Insurance

Namibian Rental Insurance

Made Easy

Take the Guesswork Out of Your Coverage

  • In Namibia, vehicle insurance is designed to protect drivers and rental companies against financial loss in the event of accidents, theft, or damage.

  • Most rental vehicles come with Standard Insurance, which covers major damages but includes an excess — the portion the renter must pay if a claim occurs.

  • Travelers can often upgrade to Reduced or Zero Excess (Full Coverage) options, which may significantly lower or completely remove that out-of-pocket cost.

  • Insurance typically includes third-party liability (for damage to other vehicles or property), while windscreen, tyre, or undercarriage damage may require optional add-ons.

We offer the following comprehensive, easy to understand insurance packages for every rental vehicle:

Proudly Insured

Zero Liability.

+Includes Tyre and Windscreen Insurance

Highest level of protection available.

✓ Ideal for those wanting maximum peace of mind during their travels.

✓ Tyre and Windscreen insurance is included at no extra cost. These items are commonly damaged due to Namibia’s rough terrain and gravel roads.

✓ You pay nothing in the event of damage or theft. *

NAD 25,000 Liability

Optional upgrade for an additional daily fee.

✓ Your liability is lowered. You may only be liable for half of the amount in case of damage, theft, or an accident.*

✓ Offers greater peace of mind without the higher cost of Zero Excess Coverage.

✓ Tyre and Windscreen Insurance not included.

NAD 50,000 Liability

Included in all rentals by default.

✓ You are liable for a fixed amount in case of damage, theft, or an accident.*

✓ Minimum coverage that is included in all rentals by default.

✓ Tyre and Windscreen Insurance not included.

Additional Add-Ons

Tyre and Windscreen Protection

✓ For an added daily rate, covers cost of windscreen repair or replacement and one flat tyre during your trip.*

✓ Included in Zero Excess (Full Coverage) by default – available as a supplemental add-on when purchasing Reduced or Standard Excess.

*Subject to terms and conditions. See Section 2 - Insurance Options in rental contract.

Frequently Asked Insurance Questions (FAQs)

Generally, external insurance policies - such as those available through credit cards or providers like rentalcover.com - are not valid in Namibia. Even if a claim occurs and is initially covered, damages must be paid upfront and then reimbursed after. Many customers have reported difficulties obtaining these reimbursements, which often require substantial evidence and delays.

Insurance mainly covers accidents and theft under normal, responsible use — but excludes neglect, misuse, and off-road incidents. Tyre and Windscreen Insurance or Zero Excess (Full Coverage) is required to cover Tyre and Windscreen damage.

The following items are not covered under insurance, regardless of excess/coverage option:

  • Personal belongings
  • Tyres (unless optional cover added)
  • Rims
  • Undercarriage damage
  • Windscreen (unless optional cover added)
  • Side and rear windows
  • Personal injury or death
  • Sandblasting or water damage
  • Camping equipment and rooftop tents
  • Standing on bonnet or roof
  • Improper use of 4×4 functions (diff lock, clutch, etc.)
  • Interior damage
  • Collisions with stationary objects
  • Single-vehicle accidents (rollovers, reversing, etc.)
  • Vehicle recovery from remote areas or other countries
  • Driving under the influence of alcohol or drugs
  • Unauthorized driver use
  • Vehicle recovery from remote areas or other countries
  • Failure to report accident to police within 24 Hours
  • Reckless or negligent driving
  • Driving on prohibited roads or areas
  • Driving at night outside towns
  • Towing another vehicle or trailer

In most cases, insurance is only valid within the borders of Namibia. If you are travelling to any neighboring countries, supplemental insurance and conditions will be discussed during booking.

In case of an accident, it must immediately be reported to the police and to Zumi Rentals and Tours. Failure to do so within 24 hours may void your insurance coverage.

NAMPOL (Namibian Police Force) is the official authority for all traffic and accident reports. Always report to the nearest NAMPOL police station in the area where the accident occurred. Every town and regional centre (e.g., Windhoek, Swakopmund, Etosha Gate, etc.) has a NAMPOL station.

In rural or park areas, report at the nearest outpost or ranger station, and ask them to direct you to the closest official NAMPOL officer.

Insurance can be upgraded to a higher tier (for example, Standard Excess to Reduced Excess) at any point during your trip. The additional cost will be added to each remaining rental day. Requests to upgrade coverage must be made in writing to bookings@zumirentals.com

Unfortunately, insurance coverage downgrades are not permitted during your trip.

Have questions or need more information?

Fill out the form below or email bookings@zumirentals.com

🇳🇦 +264 (0)81-753-5330