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 Post subject: Re: Rent car insurance-decline coverage/use credit card coverage
Unread postPosted: Mon Nov 01, 2010 7:56 pm 
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Virtual Ranger
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Location: Arizona, USA
I decline rental insurance, but I do add on the small amount for primary auto coverage via the travel insurance I purchase.

This has worked for me, as it was far cheaper (and with better coverage) than what was offered from the agency, and the coverage from my credit cards was less than ideal.

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 Post subject: Re: Rent car insurance-decline coverage/use credit card coverage
Unread postPosted: Mon Nov 01, 2010 8:01 pm 
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Joined: Sun Jul 22, 2007 6:10 pm
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Location: New Brunswick, Canada
Insurance or not be sure to take that extra 5 minutes to do a walk around the car and note any nicks or scratches before you leave the rental place...no matter how small they may be. It's almost a sure thing to get a few scratches, and if existing ones are noted before hand it will be much easier. for example, most companies have a vague notation process ie..right front quarter panel. If there are existing scratches...how to prove the extra ones you may get on that area? :twisted:

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 Post subject: Re: Rent car insurance-decline coverage/use credit card coverage
Unread postPosted: Sun Nov 07, 2010 3:32 am 
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Joined: Sat Jul 24, 2010 2:42 am
Posts: 25
Location: Texas, USA
Many thanks for the advice everyone. I think I will compare the car prices both with and without insurance and then carefully read exactly what is covered by the Credit Card and see where that puts me. The Diners Card sound like great coverage. I might try to check on that too although I hate to get another card for just this one event. I'm not really put off by secondary coverage (vs. primary). It may mean more hassle but I don't mind as long as I ultimately get reimbursed for the claim (if I happen to have one :cry: ).

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 Post subject: Re: Rent car insurance-decline coverage/use credit card coverage
Unread postPosted: Sun Nov 07, 2010 5:33 pm 
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Joined: Sat Jul 24, 2010 2:42 am
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Location: Texas, USA
Arks,
I went to the Diners Club website and fished around and think I found the conditions for the Rental Car insurance coverage for Diners Club. I noted in there one sentence of concern and it is the same sentence that shows up in the conditions for Rental Car insurance coverage for one of my credit cards. In talking about what is NOT covered it says, "Damage sustained on any surface, other than a bound surface such as concrete or tarmac". I assume this is the same wording in your agreement with Diners?

This would seems to indicate that damage sustained while driving on gravel roads would not be covered. You mentioned you have been reimbursed for tire damage several times and I would guess at least one of those times might have been on a gravel road in Kruger. So perhaps it was not an issue for the Diners Club card. In many cases, no one is likely to know whether you sustained the damage on a gravel road or a "bound surface". But I will likely want to drive extensively on gravel roads in Kruger so this wording concerns me.

I have a different credit card that says damage is not covered for "Loss due to off-road operation of the rental vehicle". This wording sounds a bit better to me since it would seem that a gravel road is still a road and traveling on a gravel road shouldn't be considered "off-road".

I'm going to contact the card with the "off-road" wording to clarify the "off-road" definition. Assuming they say gravel roads are not considered "off-road", I may lean toward using this credit card as I think the wording might be slightly more favorable to the renter than saying you must be on a "bound surface". Depending on what I found out I may also inquire about the "bound surface" wording with the other credit card company.

I'll report back what I find out.

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 Post subject: Re: Rent car insurance-decline coverage/use credit card coverage
Unread postPosted: Tue Nov 09, 2010 3:08 am 
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Joined: Sat Jul 24, 2010 2:42 am
Posts: 25
Location: Texas, USA
I checked on the precise definition in the contract with the wording that they will not cover "Loss due to off-road operation of the rental vehicle". The person I talked to said a road is not considered "off-road" as long as:
1) the road can be found on a map, and
2) it is a government maintained road.

Gravel and even dirt roads would be covered so long as they are government maintained roads and can be found on a map.

So I think I should be covered in Kruger for the roads there (S-100, S-25, etc) .

I also asked about flat tyres and windshield damage. She said both of those would be covered as well. This seems like a plus vs. rental car coverage as I understand they will sometimes try to make you pay for windshield damage even if you buy the insurance from the rental car company.

An actual PDF file of the coverage can be found at www.visa.com/benefits

This coverage is secondary which is not as good as primary which Arks has with Diners Club. In my case, I'm less worried about primary/secondary than about exactly what will be covered on which kinds of roads. The person asked which country I would rent the vehicle and I said South Africa...no problem. There are about 4 or so countries that are excluded from coverage but South Africa is not one of them.

Everything considered, I am now quite comfortable declining the insurance on the rental car and using the credit card insurance instead.

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 Post subject: Re: Rent car insurance-decline coverage/use credit card coverage
Unread postPosted: Tue Nov 09, 2010 5:53 am 
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Joined: Thu Feb 17, 2005 5:30 am
Posts: 152
Location: Beautiful northern California
jhawktx,
Glad you got all of your answers. I looked up my coverage (American Express) and it just says "public roads". Think I am safe with that. I am quite comfortable with "just saying no" to the rental company's coverage. :D

Another important thing to note. All of the credit card coverages that I have seen say that you MUST deny any of the coverage offered by the rental company. If you accept their coverage, the card coverage vanishes. I know there are some companies that insist on you accepting their coverage - they do not give you a choice.

Again, I want to remind people to check on how long they are covered. My AE gives me 31 days.

Soooo, now what shall we worry about? :D


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 Post subject: Re: Car hire in KNP
Unread postPosted: Tue Mar 29, 2011 8:04 pm 
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Joined: Mon Aug 09, 2010 8:36 pm
Posts: 114
Hi Federal & welcome.
The Kruger Mpumalanga International Airport is halfway between Nelspruit and White River.
All the major car rental companies are there. ie Avis, Budget, Eurocar etc. so you won't have a problem getting a car.
What camp are you staying in for your first night?
I'm pretty sure you would be able to get a 4X4 in Upington which is your jumping off point for the Kgalagadi.


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 Post subject: Re: Car hire in KNP
Unread postPosted: Wed Mar 30, 2011 3:07 pm 
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Senior Virtual Ranger
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Location: Cambridge, MA (and home from home in Darling, WC)
Hi Federal and Welcome!
I notice that you say that you are traveling alone and I'd just like to mention that the cost of a 4x4 for a single person is IMO not worth the expense — a 4x4 rental is 3 or 4 times as costly as renting a sedan.
A 4x4, altho many prefer it, is also NOT necessary for KTP, (Kgaligadi.)
I have always visited in a sedan — Toyota Corolla in 1992, VW Polo in 2007, Ford Fiesta in 2010.
I highly recommend Avis at the Upington airport (the manager there is Elmarie).
Another option that I've used often is the consolidator AutoEurope, which might be a good choice for you.

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RSA 2014
20-16 Oct Joburg
27-30 Oct Mapungubwe: Limpopo forest tented camp, Leokwe camp
31 Oct-1 Nov Pafuri River Camp
2-15 Nov KNP: Punda Maria, Sirheni, Olifants, Tamboti, Skukuza
16-22 Nov Cape Town
23 Nov-20 Jan Darling


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 Post subject: Advice as to size of vehicle
Unread postPosted: Sat Apr 02, 2011 8:27 am 
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Joined: Mon Aug 31, 2009 7:02 pm
Posts: 21
Can someone advise me on the following: Our Game Park and Camping car is a Merc Unimog which we would use to access places like Selous, Ngorogoro etc. Although it is considered a truck, it is hardly larger in size than your average Bakkie, although it is higher. It is as quiet as your diesel cars are. It weighs in at 3900kg. There is a rule regarding vehicles that can carry over 4000kg not being able to travel on gravel roads. Does this rule apply to our Unimog? (bearing in mind landcruisers, F250 and some of the vans eg nissan interstar, some sprinters etc do have the same weight carrying capacities) I understand why 50 plus seating busses and big trucks may hassle other visitors but we, in our Unimog wouldnt/dont.


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 Post subject: Re: Advice as to size of vehicle
Unread postPosted: Wed Apr 06, 2011 10:27 am 
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Joined: Tue Apr 28, 2009 10:15 am
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Definately!

With my visit to the park in 2009 there was two unimogs that camped in the same camp and that was really nice to see. These guys were rigged and I felt very out as to what my vehicle compared (mine is well kitted) against theirs.

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 Post subject: Re: Car choice/best vehicle for Kruger
Unread postPosted: Tue Apr 19, 2011 10:14 am 
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Joined: Mon May 31, 2010 11:41 am
Posts: 103
Location: The Netherlands
In April 2010 we hired a Renault Koleos (SUV). We were with 2 adults and 2 big suitcases. That fit's, but a third suitcase would had to find place on the backseat next to the third person. This isn't very handy with gamedriving to an other camp when bringing all you stuff. In oktober 2010 my parents joined us, so we hired a Toyota Hilux. All four suitcases easily fit's in the canopy and even my 2 meter long dad fits on the backseat.
In juli 2011 we go with 2 of us, so we hired a Hyundai Tucson or similar.

As you can read, we always take a nice comfortable car, a bit higher for the beter game spotting.
In the period we went, a 4x4 isn't needed. But I don't know how it is in the summer. I think that if roads are a bit uncomfortable, they close it...

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 Post subject: Re: Car choice/best vehicle for Kruger
Unread postPosted: Tue Apr 19, 2011 8:13 pm 
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Joined: Sat Dec 13, 2008 8:46 pm
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Location: Nottingham, UK
I'm sure the Honda Accord will do just fine. However I will just add as a fellow auto only driver I always go for the Kia Sportage auto 2x4 - probably a bit more expensive but to me worth it's a bit higher and like the extra clearance.
Whatever you go for have a great trip! I just love Biyamiti...it's a great camp! :D


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 Post subject: Re: Car choice/best vehicle for Kruger
Unread postPosted: Wed Apr 20, 2011 9:31 am 
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Joined: Thu Mar 18, 2010 10:17 am
Posts: 73
I agree with you SusieB. The Kia Sportage or Hyundai ix35 will be my 1st choice. I know that the Land Rovers and Hilux's are great, but for value for money, I would suggest the Hyundai or Kia.

Plenty of legroom, good AC, electric windows all round, cruise control, fair ride height.

For those 1st timers in the Kruger, almost every road in the park is good enough for any car. To be honest, you'll probably be able to drive the entire park with anything from a Picanto to a Gti. Tarred roads or dirt roads, rain or sunshine.....


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 Post subject: Re: Rent car insurance-decline coverage/use credit card cove
Unread postPosted: Tue Jul 12, 2011 8:02 pm 
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Virtual Ranger
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Joined: Mon May 26, 2008 1:52 am
Posts: 2211
Location: Arizona, USA
I just learned some information that I wanted to add to this discussion for US travellers. (maybe it should be in General Advice?? There might be a topic hidden away over there that is more appropriate, but I couldn't find it. :))

I recently applied for a VentureOne Rewards Visa from Capital One, as there is no transaction fee for international purchases. While reading the fine print I also noticed I receive the Visa Signature Auto Rental Collision Damage Waiver insurance.

This insurance is secondary in the USA, but is primary for international rentals. :dance: I called to verify whether this applied to SA, and it does! :dance: It also covers theft. :dance:

Visa suggests contacting them prior to renting to make sure all terms & conditions are met, but it just might save travelers to SA some money if they can decline the car rental CDW and theft insurance.

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 Post subject: Re: Rent car insurance-decline coverage/use credit card cove
Unread postPosted: Mon Aug 22, 2011 3:10 am 
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Senior Virtual Ranger
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Joined: Sun Mar 20, 2005 5:53 pm
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Location: Cambridge, MA (and home from home in Darling, WC)
iLoveMeerkats! wrote:
Also, if I go to the South Africa AVIS website, the quote automatically includes insurance. If I go to the US website for AVIS, it allows me to make a booking without checking the insurance boxes but in big red letters it says, "Additional surcharges (some of which are mandatory) may apply to this booking." I am wondering if that could mean the agent at KMIA might say that I MUST take the insurance. ???

:hmz:

Don't worry, ILM, I've been renting with AVIS (using the US website) for some years and there will be no additional insurance charges. You should have no problems. Enjoy your trip!

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RSA 2014
20-16 Oct Joburg
27-30 Oct Mapungubwe: Limpopo forest tented camp, Leokwe camp
31 Oct-1 Nov Pafuri River Camp
2-15 Nov KNP: Punda Maria, Sirheni, Olifants, Tamboti, Skukuza
16-22 Nov Cape Town
23 Nov-20 Jan Darling


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