I bought the insurance cover($110) when I booked a car from Rental cover. I came to know the insurance of supplier($43) was far cheaper than what rental cover has charged me. If I buy insurance from a supplier, I do not have to pay the excess($4200). However, after having an accident, I had to pay the excess as I did not buy insurance from a supplier and it was 4200 NZD. When I submitted a claim, it's been more than 2 weeks and the rental cover is saying they need to get the refund from the supplier, only then they can give me my money back. I am literally begging for my own money from them.