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 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
- The cost of the hire 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
This benefit typically lasts for a set number of days (e.g., 30 days), depending on your insurer and the terms of your policy.
Benefits of Adding Car Hire to Your Policy
Adding car hire as an optional extra comes with several advantages:
| Benefit | Description |
|---|---|
| No Out-of-Pocket Costs | Use a rental car at no extra cost during repairs (subject to policy terms) |
| Hassle-Free Process | Insurer handles the booking or gives you a voucher |
| Flexible Duration | Typically covers up to 7–14 days of hire |
| Added Value | Makes comprehensive policies more cost-effective |
| Business Use Support | Ideal if you rely on your car for work |
Key Features to Look For
When choosing a comprehensive car insurance policy with car hire as an optional extra, make sure to ask about:
- If the benefit is included automatically or must be added for an extra fee
- The maximum number of days the hire is covered
- The daily rate limit or total amount available
- If there’s an excess payable for the hire vehicle
- Whether it’s valid for business or personal use
Who Should Add Car Hire to Their Policy?
You should 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 out-of-pocket costs if your car is damaged
- You frequently travel long distances and need a quick replacement
This feature is particularly popular among professionals, small business owners, and families who cannot afford to be without a car for even a few days.
How to Add Car Hire to Your Policy
Adding car hire to your policy is usually straightforward:
- Speak to your broker or insurer
- Request the optional extra when getting a quote or renewing your policy
- Review the terms and conditions
- Pay the additional premium (if applicable)
The cost of this add-on varies by insurer but is generally quite affordable — especially when compared to the cost of renting a car yourself.
Frequently Asked Questions
Q: Can I add car hire to my existing car insurance policy?
A: Yes, most insurers allow you to add or remove optional extras at renewal or mid-term (with adjusted premiums).
Q: Is car hire cover mandatory?
A: No, it’s an optional extra — but highly recommended if you depend 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 covered under your comprehensive policy.
Q: Are there any exclusions I should know about?
A: Yes — typically not covered if the damage was caused intentionally or while driving under the influence.
Q: Do I get to choose the rental company?
A: Some insurers give you flexibility, others will assign a partner provider.
