When you are wanting to go through the car hire insurance process with your local car hire company, you will obviously have gone through the finer details with the representative before you sign the contract.
You will have confirmed whether you want any extras on the contract like third party insurance or extras on the car like a baby car seat, a GPS or even a personal driver. The thing with insurance, and how they often catch you and make you pay more at the end of the hire contract, is by specially designing the insurance so that it does not cover absolutely everything but mostly only some incidents within one insurance contract.
When the normal insurance package does not cover some incidents, you will be shown a extra insurance contract called excess car insurance. This will cover you in the event that if any damage is caused to the hire car, you will not be held responsible to pay any amount. The disadvantage to this is that the rate of this insurance is very high but the advantage to this is that you have total peace of mind while driving on the South African roads.
Excess car insurance has some other advantages as well:”
If your hire car is scratched while in a parking lot, it will be covered.
With the state of the South African roads today including potholes, bad drivers and heavy rains, your hire car will be fully covered if it should get damaged.
If you have not taken out excess insurance and an incident happens, you will have to go through all the hassles of disputing the claims.
Excess insurance covers everything so there is nothing to worry about when any incident happens while driving the hire car.
There are some disadvantages to having excess insurance as well:
If you take out the excess insurance but do not use it, you will not get it back. So in a way you could see it as gambling away your money. Although disputed subject, there are people who think this way.
If an incident occurs, the charges of the damages will instantly be charged to your credit card and you will have to sort the charges out when you get home. This could be a big process which could be tedious and take a lot of time, as well as being a royal pain.
Although there are pro’s and con’s, you will have to decide yourself if you would rather be put at ease and enjoy your holiday without having to worry about everyday incidents, or are you going to take the change and hope that nothing bad happens while you are using your rental car.
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