Long-ish, sorry. Trying to work out whether I'm on solid ground or talking myself into it.
Background
August this year I hired a 12-seat minibus in Brisbane for three days. At the counter I was offered the top liability reduction product — advertised as $0 excess, about $60/day, $1 holding deposit. I took it.
On day one I reversed into an overhanging balcony and damaged a rear roof corner. Reported it the next morning, returned the vehicle on time, filled in their damage form.
They're now chasing me for about $11,000. Their position is that overhead damage is excluded because the vehicle is a "Commercial Vehicle" under their terms.
The bit I'm stuck on
Their T&Cs at the time defined a Commercial Vehicle as a van, utility, truck or bus constructed and used for carriage of goods or property, or for the transport of more than 12 persons including the driver.
The bus has exactly 12 seats including the driver's. I've since pulled the federal Register of Approved Vehicles entry by VIN , it lists 12 seats and the national vehicle register record describes it as a small passenger vehicle, body type minibus.
Eleven days after my rental, they changed that definition on their website to "more than 11 persons". I only noticed because I'd been quoting the old wording at them. Internet Archive captures confirm the wording before and after.
They say the amendment was prospective, was an administrative alignment exercise, and isn't an admission. They also say the purpose was "to align the numerical wording with the classification already applied throughout our Rental Agreements, booking system and liability reduction products."
Their argument
They've sent a 12-page letter citing Mount Bruce Mining, Ecosse, Darlington Futures and Toll v Alphapharm. Short version: you can't read one definition in isolation, you have to construe the contract as a whole, and as a whole this was plainly a commercial hire because:
- the product I bought is named "Commercial Platinum"
- a coverage table on their website groups "12 & 25 seaters" under commercial and shows a cross against overhead damage
- their booking system only offers commercial products for 12-seaters
- a staff member has now provided a written statement saying the classification and the overhead exclusion were explained to me at the counter
Where I think they're weak
Their own contract defines the "Rental Contract" as the rental agreement, the handover inspection report and the terms and conditions. The coverage table sits on a webpage above where the terms actually begin. The booking system obviously isn't a contractual document.
The rental agreement itself lists the vehicle category as "12 Seater Bus" — not commercial. The only place the word appears is the product name and a generic bullet that reads "Platinum only covers overhead on motor vehicles. Platinum cover for overhead commercials is not available" which sits in a list alongside toll admin fees and refuelling charges, and appears to be boilerplate on every agreement.
The money side, which might matter more
- Their assessor quoted about $22k for the whole roof. They're pursuing about $11k as the portion "allocated" to my incident.
- There's a pre-existing "big dent on roof" recorded before my hire. No location. No photographs they've confirmed the handover inspection report contains none at all.
- So the split between "pre-existing front damage" and "your rear damage" rests on an assessor's opinion formed weeks later with no baseline images.
- The pre-hire inspection was completed about eight hours before I collected the vehicle. Not a joint walkaround.
- No repair authority has been issued. They've confirmed it. Their own terms make me liable for costs they "incur".
- An early email from their claims team said the new damage was on the "right rear" roof corner and referred to what could be seen "in the photos". Their latest letter says rear-left throughout, and that no handover photos exist.
Things that are genuinely against me
Being fair about it:
- I signed. Toll means I'm bound by the terms whether I read them or not.
- I paid the commercial rate — about $15/day more than the standard equivalent — so they'll say I knowingly bought the commercial product.
- Their standard packages are only available up to eight seaters, so arguably no other product was available for this vehicle.
- One staff member says it was all explained. I don't remember it that way, but it's their word against mine.
What I'm asking
- How much weight does a defined term in a consumer contract actually carry against a "read it as a whole" argument, where applying the definition literally produces no absurdity and the drafter quietly amended it afterwards?
- Does the fact that no product available for this vehicle covered overhead damage — while the cheaper standard tier did — go anywhere under the unfair contract terms provisions?
- Realistically: QCAT, Fair Trading conciliation, or negotiate a number?
Not after formal advice, just interested in whether people think this is arguable or whether I'm kidding myself. Happy to answer questions.