Travel insurance for potential snowy weather when driving using a rental

I'm planning a holiday to the Queenstown area in New Zealand, in July.

The plan is to arrive in at Christchurch airport, pick up a rental car and drive to Queenstown and spend about a week driving around the area.

What I'm wondering about, is the quite plausible scenario that the weather is bad, and the roads are closed, and what the best way to mitigate scenario is, such that I'm not left out of pocket. ie. the worst case scenario is that I arrive in Christchurch, have hotels and activities booked in Queenstown, but can't make it there because of a closed road.

I have a credit card with complimentary travel insurance, but its terms are quite vague:

you arranged travel is cancelled or delayed by the carrier because of unexpected:

weather conditions

Where 'the carrier' isn't defined, but presumably that refers to an airline, or possibly a bus provider, but presumably not a rental car or a government authority closing the roads.

What is the best to mitigate this kind of problem?

Is there a particular kind of travel insurance that will cover this kind of scenario?
Just buy refundable accommodation?
What if I bought a bus ticket as well, making the trip eligible for the travel insurance?

I imagine that this is quite a common problem - so am wondering what the typical way people deal with it is.

Best Answer

Why don't you ask the insurance company? If I were you I would be more worried with the rental company providing a car without snow tires..

In addition, road closures can occur but, if it is just snow, are often quickly resolved. So I would not worry too much. It is also difficult to prove to the Insurance that road has been closed. For flights etc. this is simply as you will always have an email from the airline.