Insurance and Safety.
Obviously, I know you must have asked yourself this question over and over again. Africa in general and Kenya, in particular, have different ways in which we insured our vehicles; both private and cars for hire. Unlike in the USA or UK, every car has its own insurance cover policy.
Normally, We have two types of insurance covers, namely; Third party and comprehensive. In our case, we insure our vehicles comprehensively. In other words, in case of a major accident, the car will be compensated including the other involved parties in the accident.
However, it is important to note that, as the hirer, you are not covered at all. Insurance companies always advise clients to buy their own Personal accident covers.
Alongside the Comprehensive insurance covers, here is additional information that may be helpful while considering which insurance policy best suits you as a car hirer client.
THEFT PROTECTION INSURANCE (TPI)
Upon purchase of this option, it means when you hire a car from us you will not need to pay for the car if the car is stolen. Your liability is limited to the insurance excess surcharge which in most cases is about 10% of the value of the car. For complete peace of mind, you can purchase non-refundable excess insurance when hiring a car.
However, the vehicle must be locked when unattended. Also, the vehicle must not be parked in a public area for long periods. The Hirer is responsible for the security of the vehicle and in the event of theft, he is liable for payment of the excess Fees. The Hirer must not carry passengers for reward or gain.
COLLISION DAMAGE WAIVER (CDW)
Here, the Insurance company agrees to waive the costs of damage to the rental vehicle if it is involved in a collision. However, you will be liable for the first part of any claim not exceeding 10% of the cost of the car. For claims that exceed 10% of the value of the car, your liability is limited to the applicable insurance excess surcharge. Please note that CDW does not cover damage to the tires, bumpers, headlights, interiors, wheels, undercarriage, roof, and windscreen of the car.
LOSS DAMAGE WAIVER (LDW)
LDW refers to CDW and Theft Protection Insurance (TPI) collectively. It covers the costs of replacing the car if it is stolen and repairing the car if it is damaged. The insurance excess surcharge on Theft is the same or higher than the insurance excess surcharge for damage. LDW combines both.
EXCESS LIABILITY WAIVER
When hiring a car from us we request that you either choose to accept the liability of paying excess in the event of eventual loss or damage to the car alternatively you can purchase excess insurance with your car rental.
To satisfy insurance regulations that guide the car hire business in Kenya, we charge a very reasonable excess deposit amount. This deposit is 100% refundable when you return the car in good condition as indicated in the car hire contract. If you are wary about paying an Excess Deposit please talk to us.
Car Hire with a Driver.
Should you feel all the above process is tiresome, confusing and you would not want to be involved in, You can outrightly consider hiring a car with its own driver! Of course, this option gives you peace of mind. Your job is only to sit down and be driven by a well-experienced and professional driver to all your destinations. In short, you undertake no risk. In case of any accident, you are not liable at all. In any case, should you be injured in the process, you are covered by the insurance policy. Always get in touch for our driver rates both within and outside Nairobi Kenya.