Certainly, you may have pondered this question repeatedly. In Africa, and specifically in Kenya, our approach to vehicle insurance differs from that in the USA or UK. Each car here has its own individual insurance policy. We primarily offer two types of insurance coverage: Third-party and comprehensive. In our case, we opt for comprehensive coverage, meaning that in the event of a major accident, the car and all involved parties are compensated. It’s crucial to note that as the hirer, you lack coverage. Therefore, insurance companies recommend acquiring your Personal Accident cover.
In addition to Comprehensive Insurance, consider the following options as a car hire client:
THEFT PROTECTION INSURANCE (TPI): With this option, your responsibility is limited to the insurance excess surcharge (typically around 10% of the car’s value) if the car is stolen. However, certain conditions apply, such as keeping the vehicle locked when unattended and not parking it in public areas for extended periods.
COLLISION DAMAGE WAIVER (CDW): This agreement waives the costs of damage in case of a collision, but you remain liable for the initial part of any claim, not exceeding 10% of the car’s cost. It’s important to note that CDW excludes damage to specific parts of the car.
LOSS DAMAGE WAIVER (LDW): Encompassing CDW and Theft Protection Insurance, LDW covers the costs of replacing a stolen car and repairing a damaged one. The insurance excess surcharge for theft is equivalent to or higher than the one for damage.
EXCESS LIABILITY WAIVER: You can either accept the liability of paying excess in case of loss or damage or purchase excess insurance with your car rental.
EXCESS DEPOSIT: We charge a reasonable excess deposit, refundable upon returning the car in good condition as specified in the car hire contract.