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.
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.
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.
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.
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.
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.
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.
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.
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 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.
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.
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: 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 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.
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.
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.
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
4×4 High Range – Off-Road: 60 km/h
4×4 Low Range – Off-Road: 10 km/h
National Parks: 40 km/h
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.
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.
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 4×4 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.
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 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.
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 4×4 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.
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
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.
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.
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.
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.
A N$5,000 claims handling fee applies to each insurance claim submitted, regardless of fault.
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.
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.
