This page describes all details of car insurance as included in the car rental agreement and its terms and conditions. It is available as a downloadable document below.
All rental cars have a standard third party insurance (without excess) and are insured in case of traffic accidents for approximately 90% of the replacement value of the vehicle. The client/renter is responsible for the excess level of the remaining 10% during the agreed rental period. The exact excess level is different per vehicle class.
The chosen excess level will be blocked (authorization only) on the credit card (VISA, MasterCard or Diners Club) or to be paid in cash, of the contract holder, which is required before hand over of the vehicle. Please note that the excess amount will be blocked only (authorization only) and not deducted from your credit card. This authorization is automatically cancelled when the car is returned and there are no damages reported.
Besides the general exclusions, terms & conditions, with this type of insurance, windscreen and tyre damages are not covered and will be the responsibility of the client.
Please note that the client is always liable for the damages to the rented vehicle up to the chosen level of excess, independent of who caused the accident or who is guilty, meaning this also applicable in case the damages or accident is caused by a third party.
Reduction of the Excess
In case the client prefers to rent a vehicle with a lower excess level than standard excess, then an additional fee per day will be charged as indicated in the rental rate document.
Coverage by the insurance company
In above-mentioned policies the damages are covered in case:
- it concerns a traffic accident in line with the definition of the insurance (see below)
- there is no situation of negligence
- it is not a situation mentioned in the exclusions
The used definition of a traffic accident is: an accident with the vehicle where another vehicle is involved, or where a pedestrian is involved, or where an animal is involved.
This is the situation when the driver and/or the passengers are not behaving according to the law, the terms & conditions of the rental agreement or general regulations. Examples of negligence, when the insurance is not covering the damages are:
- in case of drunk driving
- in case of speeding
- in case of driving through water (rivers, swamp, sea), where the water level reaches higher than the axel of the car
- in case of wrong use of clutch, gears and engine of the car
Damages which are not covered by the insurance:
- (burning) damage caused by cigarettes, matches and / or lighters
- damage caused by walking or standing on the roof or bonnet
- damage caused by rolling the car, without the involvement of another party
- damaged glass and windows
- damaged tires (punctures, leaking, and/or extraordinary use)
- damage caused by driving through water
- damage cause by sandstorms
- damage of personal belongings
Town: 60 km/hour, Gravel Roads: 80 km/hour and Highways: 120 km/hour.
Please be informed that all our vehicles are equipped with a GPS Tracking Black Box. The devises are set to make a jip sounds when speed in excess of 130/135 km/hr is recorded. The intention is to warn the driver that he/she is driving above the maximum allowable limit on the national roads. If persistent speed in excess of 130 km/hr is recorded, the client will be fined per every event of speed over 130 km/hr to the client.. The 130 km/hr limit is set to allow for smooth overtaking only.
IMPORTANT: If accident happens at a speed exceeding the 120 km/hr could result in the lapsing of all insurances covers and Excesses.
Theft of the vehicle is covered in case the client behaved responsible, the vehicle was locked and in case the client can deliver the original car keys (except in case of carjacking).
Tyre damage is not covered. In case of a puncture or a damaged tyre, the renter can try to have it fixed or can choose to purchase a new tyre. When returning the car the renter will be charged for the damaged tyre as the damaged tyre has to be replaced by a new one. Repaired tyres are not accepted.
In case of a sandstorm, stop the car immediately and try to look for a temporary shelter. If this is not possible, then continue driving with a very low speed. Damages caused by a sandstorm are not covered by the insurance. Sandstorms do mostly occur at the coast and in case of an eastern wind.
Police report is compulsory
It is demanded to have a full police report in case of damage or theft. When you are able to take pictures this is advisable at all times.
Towing cost in case of a technical breakdown are covered by the rental company. The towing cost in case of an accident and not covered damages are always for account of the client.