I've been reading with interest/confusion (and some anxiety!) the many posts on car rental insurance, with the excellent notes from Somersetal proving very helpful.
Wanting as much peace of mind and insurance coverage as is possible, I got a quote from AfriCarHire, and have been reading the small print. Seems pretty good, in terms of cover for dirt roads, under-carriage, etc. What confused me is the following statement in their T&C's:
"As noted above, this page is for information purposes only. The Hertz rental agreement is the only legal document, and may have changed subsequent to the writing of this page. We encourage clients to read the rental agreement printed on the reverse of their rental document."
What I'm getting from this is that it doesn't matter what Africarhire's T&Cs state, it's actually only Hertz's that matter. Having been in contact with Hertz to ask whether their insurance covers driving on dirt roads (they don't!), it would seem to me that Africarhire's "total cover" option is pretty useless. Am I reading this right?? (I admit to being very confused now!)
I'll email Africarhire now to see what they say, but just thought I'd ask for help from all the experts here as well!