Insurance
For the world’s best comprehensive rental car coverage and zero excess liability,ensure to book your rental car with a standard liability waiver and take out additional excess reimbursement insurance through Hepstar.
ACCIDENTS HAPPEN – EVEN WHEN YOU ARE NOT AROUND
The cost of repairs and replacement of car parts has increased substantially over time. Whether you accidently hit a sidewalk or pothole, or someone bumps their door against yours in a parking lot, the smallest dents and scratches will be charged against you, including tyres and windows.
Don’t be break the bank after your rental. SAVE and get MORE PROTECTION by purchasing Hepstar Car Hire Excess Insurance.
HOW CAR HIRE EXCESS REIMBURSEMENT INSURANCE WORKS
The rental usually includes a standard collision damage and theft waiver. This waiver limits your liability in the case of damage or theft to an “excess”. In the event of damage or theft, you are liable to pay the rental company whole or part of the excess, as well as any claims processing or towing costs. Damage to tyres and windows are typically excluded by waivers, which means you are liable to pay for any damage there to.
Hepstar’s Car Hire Excess Insurance covers you for:
- Reimbursement of your excess due to damage and theft, including tyres, windows and undercarriage.
- Damage, theft or loss of rental car keys.
- Rental company claim processing fees.
- Towing expenses (Premier plan only).
Luggage damage or theft.
Book Your Excess Cover Book Your Rental Car
EXAMPLE:
- Your excess liability on the selected rental car after application of the standard waiver is R 15 000.
- The rental company reserves that amount or portion thereof on your credit card as a security deposit.
- Due to damage and related costs not covered by the waiver, the rental company charges you R 20 000.
- You are eligible to claim R20 000 from Hepstar who refunds you the entire amount without delay.
* Standard Excess Insurance covers up to R 30 000 excess (but not towing) and Premier Excess Insurance (covers for up to R 60 000 excess, (including towing).
TRAVEL INSURANCE
Hepstar Travel Insurance is underwritten by Guardrisk Insurance Company Limited and administered by Hepstar Financial Services (Pty) Ltd, both authorised financial services providers. Hepstar specialises in travel insurance intermediary services, providing our customers with exceptional service and offering competitive products at competitive premiums.
WHY YOU NEED TRAVEL INSURANCE
With the excitement of a planned holiday, we're sure you don't want to be thinking about what can go wrong during your trip, let alone what can prevent you from embarking on your trip at all. Unfortunately, medical emergencies, forced trip cancellations, inconvenient luggage incidents and travel delays do occur and can not only ruin your trip, but leave you heavily indebted.
Thankfully, you can prepare for these events by having travel insurance - while also having the added benefit of 24/7 international assistance services at your fingertips when you need support the most or need to put up a guarantee in order to obtain medical treatment.
If you have medical or government aid in your home country, why would you not want to cover yourself when in a foreign country and there is the risk of having to pay exorbitant medical expenses?
PRODUCT OFFERS
Hepstar offers a range of products to meet your needs and budget:
- Budget Travel Insurance offers basic medical benefits to meet Schengen visa requirements while offering limited cover for your belongings and reimbursement for delays
- Comprehensive Travel Insurance eases your travel stress with increased medical coverage, increased cover for belongings from theft and damage and reimburses irrecoverable travel expenses in the event of cancellation and delays...and more.
- Have Credit Card coverage? Buy the CC Top-Up products to complement or increase coverage enjoyed with your credit card.