Car Hire Policy
Most comprehensive car insurance policies in South Africa offer car hire as an optional extra.
This feature allows you to rent a replacement vehicle if your car is being repaired due to an insured incident, like an accident, fire, or theft.
It’s a valuable add-on that can save you time, money, and stress — especially if you rely on your vehicle for daily commuting or business purposes.
How Does Car Hire Cover Work?
When you add car hire as an optional extra:
- You’ll get access to a rental vehicle while your car is being repaired, after an approved claim
- The rental cost is usually covered by your insurer (up to a daily or total limit)
- It only applies if the damage is covered under your policy (e.g., collision, fire, theft)
- Some insurers may require you to book through their approved rental partners
- You may need to pay a refundable deposit or fuel costs to the rental company
This benefit typically lasts for a set number of days (e.g., 15–30 days), depending on your insurer and policy terms.
Benefits of Adding Car Hire to Your Policy
| Benefit | Description |
|---|---|
| No Rental Charges (Up to Policy Limit) | Use a rental car during repairs without paying daily rental fees, subject to your policy limits |
| Hassle-Free Process | Insurer handles the booking or provides a voucher for an approved provider |
| Flexible Duration | Typically covers 15 to 30 days of hire, depending on policy |
| Added Value | Enhances the usefulness of your comprehensive policy |
| Business Use Support | Ideal for professionals or families who rely on a vehicle daily |
Key Features to Look For
When choosing a comprehensive car insurance policy with car hire as an optional extra, ask about:
- Whether the benefit is included by default or requires an extra premium
- The maximum number of days the hire car is covered
- The daily rate limit or overall claim amount for the rental
- If there’s an excess or deposit payable to the rental company
- Whether it’s valid for business or personal use
- The type of rental car (standard or like-for-like)
Who Should Add Car Hire to Their Policy?
Consider adding car hire as an optional extra if:
- You rely heavily on your car for work or family needs
- You don’t have access to a spare vehicle
- You want to avoid rental costs if your car is in the workshop
- You travel frequently and need immediate vehicle replacement
This feature is especially useful for families, professionals, and small business owners who cannot afford vehicle downtime.
How to Add Car Hire to Your Policy
Adding car hire cover is usually quick and easy:
- Speak to your broker or insurer
- Request the optional extra during a quote or policy renewal
- Review the terms and conditions to understand the limits
- Pay the extra premium (if applicable)
Costs vary by insurer but are generally affordable — especially when compared to out-of-pocket rental fees.
Frequently Asked Questions
Q: Can I add car hire to my existing car insurance policy?
A: Yes. Most insurers allow optional extras to be added mid-policy or at renewal, with an adjusted premium.
Q: Is car hire cover mandatory?
A: No. It’s optional, but strongly recommended if you rely on your vehicle.
Q: Will car hire be covered if I’m at fault in an accident?
A: Yes, as long as the claim is approved under your comprehensive policy.
Q: Are there any exclusions I should know about?
A: Yes — exclusions typically include accidents involving alcohol, reckless driving, or unlicensed drivers.
Q: Do I get to choose the rental company?
A: It depends. Some insurers assign a preferred partner, while others give you options or a voucher.
