Excess Waiver Explained

1. Overview of Excess Waiver

The Excess Waiver is not an insurance policy but a contractual agreement that limits the renter's financial liability for damage to the rental vehicle, provided all Terms & Conditions are followed. It does not cover all damage types or losses.

Standard Insurance:

All rental vehicles include third-party, theft, and fire cover.

Excess Amounts:

• Comfort excess waiver: N$ 45,000 for all vehicle groups.
• The renter is liable up to the chosen excess amount, even if a third party causes the accident.

Separate travel insurance is recommended for medical expenses, personal belongings, and risks unrelated to the vehicle.

2. Excess Waiver Options

2.1 Comfort Cover:

• Default option.
• Liability limited to N$ 45,000 (excluding specific exclusions).
• Excess is secured via credit-card details and charged only if covered damage occurs.

2.2 Premium Cover:

• Additional daily fee of N$ 449.
• Reduces liability to zero for covered damage (excluding specific exclusions).
• Includes rollover accident cover (excluding recovery costs), subject to terms
• Includes 1x damaged rim
• Includes undercarriage damage (excluding specific areas: see terms and conditions clause 9)

3. What Is Covered

The Excess Waiver covers:

• Collision damage from lawful driving on public roads involving another vehicle, or third party.
• First windscreen damage and up to two tyre damages.
• Third-party accident damage (if all terms are followed).

4. What Is Not Covered

Single Vehicle Accidents: Not covered under any option (Renter liable up to N$120,000.00 +recovery costs).

Includes:

• Driving into/reversing into stationary objects or animals.
• Accidents without a third party involved.
• Rollover accidents (unless on Premium Cover).

General Exclusions: Renter is fully liable for:

• Damage to rims (1x damaged rim covered on Premium Cover), canopy, underbody (unless on Premium Cover), engine, roof, bonnet, or differential (due to excessive 4x4 use).
• Sandblasting damage, water damage, or overheating.
• Negligence (e.g., speeding, DUI, unauthorised repairs, ignoring safe driving distances).
• Driving on forbidden roads or before sunrise/after sunset.
• Using unauthorised mechanics or failing to report incidents immediately.
• Damage from towing other vehicles/trailers.
• Any recovery costs for accidents (regardless of fault).
• Theft without the original key or without police report and in the event of hijacking, a trauma medical report.
• Loss or damage to camping equipment, tools, or personal items.
• Unplanned accommodation or downtime due to accident/breakdown.

5. Special Accident Rules

5.1 Roll-Over Accidents:

• Covered only under Premium Cover (excluding recovery costs).
• Negligence voids coverage; renter may be liable up to N$ 100,000.

5.2 Third-Party Accidents:

• Covered if all conditions met (photos, videos, report to office within 24 hours, police report, details collected, no negligence).
• If insurer rejects the claim, renter is liable for all third-party costs.

5.3 Vehicle Write-Offs:

• Contract ends once all costs has been finalized if vehicle is written off or unroadworthy.
• Replacement vehicle offered at company discretion; new contract applies without reduced excess, rental fee for remaining days payable.

6. Sandstorm

In case of a sandstorm, stop the car immediately and try to look for temporary shelter. If this is not possible, then stop next to the road and face the rear of the vehicle towards the sandstorm. Damages caused by a sandstorm are not covered. Sandstorms do mostly occur at the coast and in case of an eastern wind.

7. Recovery & Safety

• Recovery costs after accidents are always charged to the renter.
• For breakdowns due to mechanical failure, recovery is free unless in an excluded area.
• Carry sufficient water and remain with the vehicle unless there's a medical emergency.

8. Theft & Key Policy

• Theft covered only if original key is returned.
• No key = liability for full market value of the vehicle.

9. Credit Card Security Deposit

• A pre-authorisation deposit is taken on a valid credit card at rental start: N$15,000 in Namibia and N$25,000 outside Namibia.

Important Note

The Excess Waiver reduces financial risk but does not remove the renter's legal responsibility for accidents caused by negligence or excluded activities and areas. Always follow Namibian road laws and company guidelines to maintain coverage.

Herewith I declare that I have read, understand, and do accept the above-mentioned explanation.