--- title: "Insurance" url: https://4x4namibia.rentals/insurance/ type: page date: 2023-04-12 modified: 2026-08-24 markdown_url: https://4x4namibia.rentals/insurance.md author: "robert@vipmarketing.com.na" --- # Insurance # 4x4 Rental Insurance # 4x4 RENTAL INSURANCE Go Rent offers three insurance options so you can choose the level of cover that best suits your rental. Please note that insurance applies only to **covered claims** and remains subject to the exclusions, conditions and renter responsibilities contained in our Rental Terms & Conditions. Certain types of damage, negligence, prohibited driving and vehicle misuse are **not covered under any insurance option, including Premium Cover**. Where an incident is excluded or insurance has been voided, the renter may be responsible for the full repair, replacement, towing, recovery and associated costs. --- # INSURANCE OPTIONS ## BASIC COVER **N$230 per day** **Security Deposit: N$45,000** Basic Cover provides insurance for qualifying covered claims, subject to the Rental Terms & Conditions, exclusions and applicable security deposit. --- ## EXTENDED COVER **N$362 per day** **Security Deposit: N$30,000** Extended Cover provides a higher level of insurance protection for qualifying covered claims, subject to the Rental Terms & Conditions and exclusions. --- ## PREMIUM COVER **N$546 per day** **Zero Excess on Covered Claims** Premium Cover provides zero excess on claims that fall within the applicable insurance cover. **Important:** Zero Excess does not mean every type of damage is covered. All insurance exclusions, negligence provisions, speed restrictions, No-Go Area restrictions and other conditions contained in the Rental Terms & Conditions continue to apply. --- # OPTIONAL WINDSCREEN & TYRE COVER **N$184 per day** Optional Windscreen & Tyre Cover provides cover for a maximum of: - **1 windscreen per rental** - **1 tyre per rental** Damage to a second or subsequent tyre is for the renter's account. **Rims are never covered**, regardless of which insurance option or add-on has been selected. --- # CAMPING EQUIPMENT DAMAGE / LOSS COVER **N$103.50 per day** Optional cover for accidental damage to or loss of Go Rent-provided camping equipment. Without this cover, damage to or loss of camping equipment remains for the renter's account. --- # SECURITY DEPOSITS Where applicable, the required security deposit is pre-authorised or blocked on the renter's credit card. Applicable deposits may include: **Basic Cover:** N$45,000 **Extended Cover:** N$30,000 **Fuel & Administration Deposit:** N$7,500 **Remote Collection / Cross-Border Damage Deposit:** N$15,000 where applicable Additional deposits may be required for certain cross-border destinations, routes or itineraries. A security deposit does not provide cover for damage or incidents specifically excluded from insurance. --- # WHAT IS COVERED? Insurance applies to qualifying covered claims subject to the selected insurance option and the full Rental Terms & Conditions. Under Go Rent's insurance arrangements, qualifying **two-vehicle collisions where both vehicles are identifiable** may be covered subject to the applicable insurance option and all policy conditions. Insurance is not fully comprehensive and certain incidents remain excluded regardless of the insurance option selected. --- # IMPORTANT INSURANCE EXCLUSIONS The following are not covered under the standard insurance options: - Single-vehicle accidents - Vehicle rollovers - Collision with animals - Collision with stationary objects - Side-window damage - Side-mirror damage - Rim damage - Tyre damage beyond the optional cover limit - Windscreen damage without Windscreen & Tyre Cover - Sandstorm or sandblast damage - Excessive scratches caused by trees, branches, thorns or vegetation - Mechanical damage caused by incorrect operation - Clutch damage caused by misuse - Gearbox or engine damage caused by incorrect operation - Steering damage caused by potholes, rocks, kerbs or inappropriate off-road driving - Undercarriage or body damage caused by rocks or off-road collisions - Water-crossing damage - Wrong-fuel damage - Interior damage beyond normal wear and tear - Rooftop-tent misuse - Lost or damaged camping equipment unless the optional Camping Equipment Cover has been selected - Personal belongings - Damage resulting from negligence or vehicle abuse --- # SINGLE-VEHICLE ACCIDENTS **Single-vehicle accidents are not covered under any insurance option.** This includes accidents involving: - Animals - Trees - Rocks - Walls - Gates - Poles - Roadside objects - Other stationary objects - Vehicle rollovers Applicable repair, replacement, towing and recovery costs remain for the renter's account. --- # RIMS **Rim damage is never covered.** This applies regardless of the insurance option or Tyre & Windscreen Cover selected. The renter is responsible for the full OEM replacement value of: - Bent rims - Cracked rims - Scuffed rims - Kerbed rims - Missing rims Applicable fitting, balancing and transport costs are additional. --- # TYRES Tyre damage is covered only where the optional Windscreen & Tyre Cover has been selected and paid for, and cover is limited to **one tyre per rental**. If a tyre is damaged: - Stop safely as soon as possible. - Repair the puncture where appropriate or replace the wheel with the spare. - Notify Go Rent immediately. - Where required, purchase a matching branded replacement tyre if the spare has been used. Damage to a second or subsequent tyre is for the renter's account. Missing tyres are charged at full OEM replacement value plus fitting, balancing and transport costs. --- # WINDSCREEN, SIDE WINDOWS & MIRRORS **Windscreen:** Covered only when optional Windscreen & Tyre Cover has been purchased, limited to one windscreen per rental. **Side Windows:** Never covered. **Side Mirrors:** Never covered. --- # VEHICLE THEFT Vehicle theft is covered only when **all four** of the following conditions are met: - The vehicle was parked securely in a safe location. - All doors, windows and canopy were locked. - The original Go Rent vehicle keys remain in the renter's possession. - A police report is obtained within **24 hours**. If any of these conditions are not satisfied, the renter may be liable for the full replacement value of the vehicle. --- # POLICE REPORT – 24-HOUR RULE A police report must be obtained within **24 hours** of any accident, theft or incident requiring an insurance claim. Without a valid police report, an insurance claim cannot be processed and the renter may become responsible for all resulting costs. --- # SPEEDING – ZERO TOLERANCE Go Rent vehicles are fitted with GPS tracking equipment which records vehicle speed, location and route information. Go Rent contractual speed limits apply regardless of higher posted road limits. ## Go Rent Speed Limits **Town / Built-Up Areas:** 60 km/h **Gravel Roads:** 80 km/h **National Tarred Highways:** 110 km/h **Safari / 8-Seater Vehicles:** 100 km/h **4x4 High Range – Off-Road:** 60 km/h **4x4 Low Range – Off-Road:** 10 km/h **National Parks:** 40 km/h ### Speeding Penalty **N$1,500 per GPS-detected incident** There are no warnings. A single recorded violation of the Go Rent contractual speed limits immediately voids insurance cover for the remainder of the rental. The renter then becomes personally liable for applicable vehicle damage, including damage that may be unrelated to the speeding violation. --- # GPS TRACKING Go Rent vehicles may be fitted with GPS systems recording: - Speed - Location - Route - Travel history By renting the vehicle, the renter consents to this monitoring. GPS information may be used as evidence in relation to: - Speeding - No-Go Area entry - Route violations - Insurance cancellation GPS information may also be provided to Go Rent's insurers, law enforcement agencies and courts where appropriate. --- # CONDITIONS THAT IMMEDIATELY VOID INSURANCE Insurance, including Premium Cover, may be cancelled immediately if any of the following occurs: - Exceeding Go Rent contractual speed limits - Driving after consuming alcohol - Driving while under the influence of drugs or other impairing substances - Driving with an expired, suspended or invalid licence - Driving with a licence not recognised in Namibia - Allowing an unauthorised driver to operate the vehicle - Driving on prohibited or unmarked roads - Driving off-piste - Driving on prohibited beaches or dunes - Entering a designated No-Go Area - Driving into rivers, swamps, flood areas or the sea - Ignoring stop signs - Ignoring red traffic lights - Driving after sunset outside a town - Improper use of 4x4 mode on tarred or hard surfaces - Towing another vehicle - Towing a trailer - Using the vehicle commercially to transport passengers or goods for payment - Entering areas affected by civil unrest or riots - Violating customs laws Where insurance is voided, the renter becomes personally responsible for applicable vehicle damage and associated costs. --- # ALCOHOL & DRUGS Go Rent operates a **zero blood-alcohol tolerance policy**. No person may operate a Go Rent vehicle after consuming alcohol or while under the influence of recreational drugs or other impairing substances. Driving under the influence immediately voids all insurance cover. --- # DRIVING AFTER SUNSET Driving after sunset is prohibited outside towns. Driving to lodges after sunset is also prohibited. An accident occurring after sunset outside a town is not covered by insurance. --- # NEGLIGENCE & VEHICLE MISUSE Insurance does not cover damage caused by negligence or vehicle abuse. Examples include: - Burning out the clutch - Riding the clutch - Incorrect gear selection - Excessively spinning the wheels in sand - Driving with the rooftop tent open or unsecured - Standing or sitting on the bonnet, roof, doors or tents - Placing heavy loads on vehicle body panels or tents - Overloading the vehicle - Failing to check tyre pressures - Reversing into objects through inattention - Driving through vegetation causing scratches or damage - Incorrect 4x4 operation - Ignoring instructions given during vehicle handover - Using the vehicle for racing or competition All costs resulting from negligence remain for the renter's account regardless of the insurance option selected. --- # WRONG FUEL Using the incorrect fuel type, for example petrol in a diesel vehicle, constitutes negligence and voids applicable insurance cover. The renter is responsible for all resulting: - Mechanical repairs - Fuel-system repairs - Engine repairs - Towing - Recovery - Transport - Associated expenses --- # WATER CROSSINGS Driving into rivers, swamps, the sea or flood areas is prohibited. Any water crossing above axle depth is excluded from insurance. Any resulting mechanical, electrical, interior, recovery or towing costs remain for the renter's account. --- # SANDBLAST & VEGETATION DAMAGE Sandstorm or sandblast damage to paintwork or glass is not covered. Scratches and paint damage caused by contact with: - Trees - Branches - Bushes - Thorns - Vegetation are also excluded from insurance. --- # BREAKDOWNS & TOWING In the event of a breakdown: - Contact Go Rent immediately. - Do not arrange towing without Go Rent approval. - Do not arrange repairs without Go Rent approval. - Only Go Rent-approved recovery companies may be used. Unauthorised towing or repairs may invalidate insurance cover. Where a breakdown or mechanical failure results from an excluded event, negligence or misuse, the renter is responsible for all applicable recovery, towing and repair costs. --- # CROSS-BORDER RECOVERY If a vehicle becomes undrivable outside Namibia, all costs required to return the vehicle to Namibia are for the renter's account. These may include: - Towing - Recovery - Cross-border vehicle transport - Import/export documentation - Customs charges and duties - Third-party charges Go Rent roadside assistance is limited to Namibia. --- # INSURANCE CLAIM HANDLING FEE A **N$5,000 claims handling fee** applies to each insurance claim submitted, regardless of fault. --- # IN THE EVENT OF AN ACCIDENT OR DAMAGE If you are involved in an accident or the vehicle is damaged: - Stop safely. - Contact Go Rent immediately. - Do not admit liability or enter into private settlements. - Do not arrange repairs or towing without Go Rent approval. - Obtain the details of all other parties involved where applicable. - Obtain a police report within **24 hours**. - Follow all instructions provided by Go Rent. Failure to follow the required accident and claims procedure may affect or invalidate insurance cover. --- # IMPORTANT Selecting Premium Cover or any other insurance option does **not** mean that every type of damage is covered. Insurance exclusions, prohibited vehicle use, negligence provisions, contractual speed limits, No-Go Area restrictions, driver requirements and other conditions continue to apply regardless of the insurance option selected. Where an incident is excluded from insurance or insurance has been voided, the renter may be responsible for the full: - Repair cost - Replacement cost - Towing cost - Recovery cost - Transport cost - Administration charges - Other associated expenses Please read the complete **Go Rent Vehicle Rental Agreement & Terms and Conditions** before collecting your vehicle. **All insurance rates shown above include VAT.** ## FAQs ## Rental Agreement T&C's ## Additional Charges ## Insurance ## Namibia Info