As far as I understand, in Tassie, most if not all of the big 5 (Hertz, Avis, Budget, Thrifty, Europcar) are franchises/licensees, rather than company owned. This tends to mean, among other things like charging more, they keep their cars longer and can be a bit more diligent with regard to charging for damage.
Having said that, I recently hired a Falcon XR6 from Avis at Launceston airport and apart from trying to give me a GPS which I did not order (and charge me for it), they were as blase as I have found every other Avis in Australia with regard to damage - no checks at the start or end of hire.
$4,000 will cover the excess for Avis and Budget, mostly cover it Europcar, but will not cover a significant amount with both Hertz and Thrifty in certain circumstances, so be careful of the following:
- Hertz have a non waivable excess of $9,900 for damage on unsealed roads
- Both Hertz and Thrifty have a standard excess of $3,300 plus an additional excess of $2,200 if no other car is involved, i.e. A total of $5,500 (Avis, Budget and Europcar do not have an additional single vehicle accident excess, yet)
- Almost always the excess from airports is increased by the % of the airport charge (varies between approx. 15 and 22% depending on the airport). Tassie is at the lower end. This will likely mean the excess with Hertz and Thrifty for an accident with no other car involved is over $6,000. In my experience, the call centre reservation staff don't even disclose this when asked what the excess will be, so be careful.
In your situation, my first choice would be Avis (excess approx. $3,400), followed by Budget (excess approx. $3,200), then Europcar. Note that Europcar excess is likely to be about $4,500.
Do you have access to a discount or corporate rate through any car hire company? This could be through your employer (most large companies and the government have corporate rates for both company use and leisure), if you're a member of a union, or even an association, such as CPA. These will generally provide a significantly lower excess (usually approx. $700 - $1,500) and lower rate.
One final thing to remember - in the event of damaging the car, the car hire company will charge the entire excess to your credit card immediately and you will be out of pocket for how ever long it takes your travel insurer to pay your claim.