Unfälle können passieren – auch wenn niemand es will.
Dies kann zu einem großen Problem werden, da es in den meisten afrikanischen Ländern keine Pflicht gibt, eine Versicherung für ein Auto abzuschließen – so kann jeder Schaden direkt Ihr Schaden werden. Um Sie vor solchen unerwünschten Situationen zu bewahren, verfügen alle Dusty Safari Mietwagen über KFZ Versicherungen, die im Mietpreis enthalten sind.
Um auf Notfallsituationen reagieren zu können und immer innerhalb der Versicherungsgrenzen zu bleiben, sind alle Autos mit einem GPS-Ortungssystem ausgestattet. Das System überwacht die Geschwindigkeit, informiert Sie bei zu schnellem Tempo und erkennt einen Aufprall des Autos.
Sie können selbst entscheiden, wie hoch die Versicherung sein soll. Wir bieten verschiedene Versicherungspakete an. Je nach Ihrem Erfahrungsstand können Sie entscheiden, welchen Versicherungsschutz Sie für Ihre Reise und Ihre Fahrkünste benötigen.
Wissenswertes über Kfz-Versicherungen im südlichen Afrika
Es gibt keine Verpflichtungen für Autoversicherungen
Anders als in den meisten westlichen Ländern gibt es KEINE Pflicht, eine Kfz-Versicherung abzuschließen. Aus diesem Grund sind die meisten Autos auf den Straßen nicht versichert, was bedeutet, dass die Autobesitzer für eventuelle Schäden aufkommen müssen. Dies kann ein gefährliches Spiel sein, wenn man die üblichen Kosten im Zusammenhang mit Autounfällen bedenkt. Aus diesem Grund ist es sehr wichtig, dass Sie Ihren Mietwagen mit einer angemessenen Versicherung abschließen.
Jede Versicherung enthält Selbstbeteiligungen
Da es keine Verpflichtung für Fahrzeugversicherungen gibt, wird jede Versicherung in diesem Bereich als „Hochrisikoversicherung“ betrachtet. Dies erklärt auch, warum Kfz-Versicherungen im Allgemeinen recht teuer sind. Außerdem enthalten die Versicherungspakete aus diesem Grund immer eine Selbstbeteiligung. Die Selbstbeteiligung legt den Wert fest, den der Kunde im Schadensfall zu tragen hat.
Im Mittelpunkt der Fahrzeugversicherungen stehen die Kollisionskasko und der Diebstahlschutz. Das heißt, sie decken nur Verkehrsunfälle und Fahrzeugdiebstahl ab. Wie üblich wird der Versicherungsschutz nur gewährt, wenn der Kunde die Vorschriften und Verkehrsregeln beachtet und nicht fahrlässig gehandelt hat. Die Höhe der Selbstbeteiligung hängt stark vom gebuchten Versicherungspaket ab – je besser Ihr Versicherungspaket ist, desto niedriger ist die Selbstbeteiligung.
Ausführliche Informationen zu den aktuell gültigen Versicherungspaketen und Regelungen finden Sie in Ihrem Mietvertrag oder hier unten.
Selbstbeteiligungssätze für Zubehör
Für gemietetes Zubehör wie Campingausrüstung, GPS-Systeme oder Satellitentelefone gibt es keine Versicherungspakete. Für dieses Zubehör gibt es gesonderte Selbstbeteiligungssätze für den Fall, dass Sie es beschädigen. Die gültigen Selbstbeteiligungssätze für Zubehör finden Sie während des Online-Buchungsvorgangs.
Worin besteht der Unterschied zwischen den Mietwagen Versicherungspaketen?
Standard Cover
Das Standard-Versicherungspaket ist immer im Grundmietpreis enthalten. Ohne diesen Versicherungsschutz können Sie kein Auto mieten. Die Standarddeckung deckt nur Verkehrsunfälle und Diebstahl unter Berücksichtigung der entsprechenden Selbstbeteiligung des Mietwagens. Da es sich um die Grundversicherung handelt, ist die Selbstbeteiligung bei der Standardversicherung am höchsten.
Gold Cover
Als Option können Sie das Versicherungspaket Gold Cover buchen. Dieses Paket deckt auch Verkehrsunfälle und Diebstahl ab, vergleichbar mit der Standardversicherung. Der Hauptunterschied besteht darin, dass Sie eine geringere Selbstbeteiligung haben. Als Faustregel gilt, dass Sie im Vergleich zur Standarddeckung etwa 40 % der Selbstbeteiligung sparen. Ausführliche Informationen zu den Selbstbeteiligungssätzen finden Sie in den Details des Mietvertrags.
Super Cover
Wenn Sie einen optimalen Kostenschutz im Falle eines Falles wünschen, empfehlen wir Ihnen, das Super Cover Versicherungspaket als Option zu buchen. Sie deckt Verkehrsunfälle und Diebstahl mit minimaler Selbstbeteiligung (ca. 4500 N$). Zusätzlich sind die 1. beschädigte Windschutzscheibe und der 1. beschädigte Reifen kostenlos. Zusätzliche Schäden können nicht gedeckt werden. Versicherungspakete, die alle Schäden ohne Selbstbeteiligung abdecken, sind nicht erhältlich, da sie für übliche Reisebudgets zu teuer wären.
Wie wird Ihr Mietvertrag aussehen?
Introduction
This document contains the terms and conditions of the vehicle rental agreement as well as all the information related to the short-term insurance and excesses for rented vehicles.
Definitions
DTS: Dusty Trails Safaris CC, Reg. No CC/2019/00397 hereafter called DTS.
Vehicle: The rental vehicle as stated in the Rental Contract and the replacement vehicle, should it become necessary, and which is owned by DTS.
Client: The person who signs this agreement, accepts responsibility for the vehicle and/or a replacement vehicle that DTS rents out, and oversees paying the short-term insurance excess and all associated penalties, be it the client, renter, driver or anyone else.
Single vehicle accident (own damage): Losing control over the vehicle, rolling the vehicle, bumping any object or animal while driving the vehicle, accidents without involvement of a third-party vehicle. At all times obtain a police report within 24 hours of the incident taking place.
Traffic and Third-party Accident: An accident where another vehicle or pedestrian was involved, or one where a third-party’s property was damaged.
Penalties: Additional amount payable, should there be any, because of driving over the speed limits of this contract or any misuse of the vehicle.
Excess: The amount that the client must pay for the mandatory short-term insurance excess that they select in this contract.
Short-term Insurance Background
DTS provides short-term insurance with different excess options.
It is important to note and understand that there are significant differences in comparison to Western countries regarding vehicle insurance and liability in case of damages. For example, in most of the Southern African countries such as Namibia and Botswana, it is not mandatory to have any vehicle insurance. This effectively implies that most of the vehicles have no insurance at all and in the event of an accident or damage, the owners and/or users of the vehicles are individually liable for damages and compensation.
Insurance Cover and Excesses
Short term insurance is covering the following:
Traffic accidents as per short term policy wording and on conditions that:
- there is no incidence or situation of negligence
- no driving under the influence
- anything else specifically excluded in this contract
- driving with a valid driver’s license with the correct code for the vehicle
IMPORTANT – All insurance will become NULL AND VOID on:
- Driving over this contract’s speed limits
- Night driving
- Negligence
All rental vehicles are insured but the following are not covered:
- pop-up roofs
- windows
- windscreens
- rims
- tires
- sandblast damage
- any negligence
The client is responsible for all these as well as the excess they selected as per excess list below, irrespective of the cause of the accident, the guilty person or any third-party involvement.
On hand-over of the rented vehicle, the agreed excess will be blocked (authorization only) on the client’s credit card (VISA or MasterCard). The excess amount will be blocked (authorization only) and not be taken out of the credit card. This authorization will automatically expire upon the vehicle’s return without damages.
Excess Options
The following table shows the excess fees per vehicle and insurance package.
| Vehicle Description | Excess 1 limits Standard Cover | Excess 2 limits Gold Cover | Excess 3 limits Super Cover |
|---|---|---|---|
| ISUZU D-MAX Double Cab | N$ 55000 | N$ 35000 | N$ 4500 |
| Toyota Land Cruiser Double Cab | N$ 55000 | N$ 35000 | N$ 4500 |
| Toyota Land Cruiser 200 series | N$ 70000 | N$ 35000 | N$ 4500 |
| Toyota Fortuner | N$ 55000 | N$ 28000 | N$ 4500 |
| ISUZU MU-X | N$ 60000 | N$ 40000 | N$ 4500 |
| 8-10 Seaters (different makes) | N$ 70000 | N$ 40000 | N$ 4500 |
| Ford Figo | N$ 9000 | N$ 5000 | N$ 3500 |
Excess 1: Standard excess (compulsory unless reduced excess is bought)
Standard Excess is always compulsory unless another excess is selected and paid for to reduce as per option Excess 2 or 3.
Excess 2: Gold Cover
Rate for 10 days and more: N$300.00 per day
Rate for less than 10 days: Flat amount of N$ 3,000.00
Excludes: – pop-up roofs, – windows, – windscreen, – rims, – tires, – sandblast damage -single vehicle accidents, – any negligence
Excess 3: Super Cover
Rate for 10 days and more: N$400.00 per day
Rate for less than 10 days: Flat amount of N$ 4,000.00
Excludes: – pop-up roofs, – windows, – rims, – sandblast damage – single vehicle accidents, -any negligence.
Benefit: The client will not be responsible for the 1st damaged Windscreen and the 1st damaged Tyre. The 2nd damaged windscreen and/or tire will be the client’s responsibility.
Important: “Excess 3: Super Cover” cannot be compared with the European “Full Casco” or “All Risk” insurance, where all damages are covered regardless of the cause or the guilt.
Negligence
This is the situation when the driver and/or the passengers or anyone who is not specifically stated in the contract as a driver, are not behaving according to the law, the terms and conditions of the rental agreement or general regulations.
Examples of negligence, where the insurance does not cover damages are:
- speeding, exceeding limits stipulated in this contract, irrespective of road signs
- driving under the influence
- crossing on a red traffic light
- driving through water (rivers, swamp, sea), where the water level reaches higher than the axel of the vehicle
- misuse of clutch, gears, engine, mechanical or any part of the vehicle
- night driving
In case any of the above mentioned, or incorrect use or misuse of clutch, gears and engine of the vehicle by the driver of the vehicle that results in damage to any of these parts or overheating of the vehicle will always be the responsibility of the client.
Insurance Exclusions – which is the client’s responsibility
Specific damages which are not covered by the insurance:
- burn damage, for example, damage caused by cigarettes, matches and / or lighters
- damage caused by walking, standing, stepping on the roof, bonnet, door or inappropriate use of any part of the vehicle
- damage caused by rolling the vehicle, with or without the involvement of another party
- all damaged glass, windows, windscreens, (except the 1st windscreen damage where the client is responsible for the excess only and DTS will carry the balance, if Excess 3 Super Cover is purchased)
- damaged tires, example punctures, leaks, improper inflation, excessive weight, driving over sharp objects, potholes or other rough surfaces, kerbing and braking too harshly and/or improper use of the vehicle
- any damage caused by driving through water
- all damage caused by sandstorms, and/or sandblasting
- damage of personal and passengers’ belongings
- damage to the pop-up roof, in any situation (driving with an open pop-up roof is not allowed)
- damage to the camping gear
- any mechanical damage caused by misuse of the vehicle or negligence (this does not include normal wear and tear)
- overheating of the engine
Tracking
Every one of our vehicles is equipped with a GPS Tracking Box which allows for constant monitoring, activates cellphone tracking alarms when speeding and submits email reports.
Speed limits
IRRESPECTIVE of road signs displayed next to the road
- Town: 60 km/hour
- Gravel Roads: 80 km/hour
- Highways: 110 km/hour
- Safari 10-Seater vehicles – 100 km/h on tarred roads (as per tourism regulations)
INSURANCE BECOMES NULL AND VOID: If you exceed these speed limits all insurances
lapse and become invalid (null and void).
PENALTY PAYABLE FOR SPEEDING: If you consistently go over our speed limits, our
tracking system records will substantiate, prove, and confirm and you will be fined up to
N$1500.00 per incident.
I, ________________________________________________ (name) hereby declare that I understand the speed limits and the penalties due to speeding.
Signed at __________________________________ on the _______ day of ___________ (month) of ______ year.
______________________________________________________ Client Signature
______________________________________________________ Signature Dusty Trails Safaris CC representative
Night driving specifications
Driving after sunset is NOT ALLOWED! Insurance cover becomes null and void at night driving.
Winter months’ time limits (June to September) No driving between 18h00 and 07h00
Summer months’ time limits (October to July) No driving between 19h00 and 06h00
Driving in towns and in cities by night is allowed.
Theft of the rented vehicle
Theft of the rented vehicle is covered on condition that:
- the client behaved responsible
- parked the vehicle in a safe place
- locked the vehicle
- return the original vehicle keys
A full police report is compulsory, in case of carjacking. Carjacking must be proved and confirmed by the police report.
Tire damage
Condition: The minimum profile of the tires on hand over of the vehicle to the client will be 60% for the mounted tires and 40% for spare tires. It must be checked for and signed off by client.
All tire damage is the client’s responsibility. If Excess 3 Super Cover is purchased, Dusty will fix the 1st damaged tire, and the client will only be liable for the 2nd and more damaged tires.
In case of a puncture or a damaged tire, the client has two options: They can get it fixed or buy a new tire of the same brand as the damaged tire.
This needs to be immediately reported to DTS’s office, since we have pre-approved tire vendors and brands. Next, we
will provide guidance on the next steps that need to be taken.
When returning the vehicle, the client will be charged for the damaged tire because the damaged tire must be replaced with a new one. Repaired tires or tires of another brand are not accepted.
The client won’t be charged for a new tire. They will be charged for the mm’s of profile which was on the original tire on hand over. In case the client purchased a new tire of the correct brand, he will be refunded for the extra mm’s, calculated per percentage, but on DTS’s supplier’s price.
Sand blast – Sandstorms Procedure
In the event of a sandstorm, lower your speed as much as possible and look for temporary shelter. The insurance does not cover sandstorm-related damages.
Sandstorms are typically caused by extremely strong eastern winds and happen near the coast.
Police reports
Police reports are compulsory! It is demanded to have a complete police report in the event of any damage or theft. Take as many pictures as possible of damages and all surrounding the area related to the event. There is no exception to this condition.
No Towing and Towing costs
Our vehicles may not be towed under any circumstances. When a breakdown occurs, notify the DTS office immediately on + 264 81 304 5744 OR +264 81 337 1611 which is the local emergency numbers. We will advise on further procedures.
In the event of an accident or other excluded condition, the client is responsible for paying any towing costs. DTS and the insurance do not cover these costs, unless it is an unforeseen mechanical breakdown.
The expense of towing due to an overheated engine or damaged clutch or any mechanical misuse of the vehicle is not covered by insurance, is not covered by DTS, and must be paid for by the client.
Claims handling fee
The client is responsible for paying any administrative expenses (sometimes known as „claim handling fees“) associated with any damages.
Conditions of extras
FULL FUEL TANK: The vehicle will be delivered with a full tank, and it must be returned with a full tank.
CLEAN VEHICLE: The return of an excessively dirty vehicle will result in a N$ 1200.00 valet service fee to be paid by the client.
I, ________________________________________________ (name) hereby declare that I understand all the above.
Signed at __________________________________ on the _______ day of ___________ (month) of ______ year.
______________________________________________________ Client Signature
______________________________________________________ Signature Dusty Trails Safaris CC representative
Manual Vehicles
I, ________________________________________________ (name) hereby declare that I can properly drive a manual transmission car. I also declare that I did test drive this rental vehicle and found the clutch to be in perfect working order.
Signed at __________________________________ on the _______ day of ___________ (month) of ______ year.
______________________________________________________ Client Signature
______________________________________________________ Signature Dusty Trails Safaris CC representative