Empire Fleet Solutions

Are you looking to rent a BMW 3-Series 2.0 for a couple of days?  For Car Hire in Cape Town, call Empire Fleet Solutions.  You can rent a BMW 3-Series 2.0 during this time of year for R565 per day. Call us on 086 1055 505. View our rental fleet.

The BMW 3-Series 2.0 is part of our Group E vehicles that is available at this rate.  Features of this group of Cape Town Car Hire vehicles include:

• Automatic;
• Radio CD;
• Aircon;
• Power Steering;
• ABS; and
• Airbags.

The Group E vehicles are one of the most luxurious car hire groups in our Cape Town Rental Fleet.  To view our Cape Town Car Hire Fleet, visit our website.

We strive for service excellence.  Call Empire Fleet Solutions if you need to hire/rent a BMW 3-Series 2.0 or similar in Cape Town.

There are generally two possible ways under which you may be covered by car hire insurance.  The first is from auto insurance agents in your local area which sell auto insurance, but which can also be used as car hire insurance.  The second car hire insurance option is through the credit card that you have used for the car hire.  It is a good idea to find out more about these two possibilities if you are looking to obtain car hire insurance.

If you already have auto insurance on your own vehicle which you took out from your local auto insurance agent, chances are good that this auto insurance policy extends to serve as car hire insurance as well.  Generally, if you are traveling in another part of the country, your auto insurance policy will serve as car hire insurance once you hired a car at your destination.  However, you should note that any gap in your auto insurance coverage will also apply to your car hire insurance.  For example, if you do not have comprehensive coverage for your own vehicle, then your hired vehicle will also not have comprehensive car hire insurance. 

Some credit card companies also offer car hire insurance packages for vehicles hired using their credit cards.  Car hire insurance offered by credit card companies may vary from one company to the next. Due to credit card companies revising car hire insurance policies so often, you should make sure that you are aware of the most current car hire insurance policies when hiring a car.  You should also enquire whether the car hire insurance only cover physical damage to the hired vehicle, or if it extends to include theft, personal injury, liability, etc. as well.  Car hire insurance offered through your credit card company should be considered as supplemental car hire insurance, and not primary car hire insurance. 

Ultimately, if you do some research ahead of time, you will know exactly what car hire insurance coverage is provided by your own auto insurance policy, as well as by your credit card company.  This way you will know what, if any, additional car hire insurance you may need.

The issue surrounding whether or not one should get car hire insurance is being raised more and more.  However, it does have a clear and simple answer, which is yes; you do in fact need car hire insurance.  Anyone who owns a car is aware of the risk that is not having insurance; the same risk applies to not having car hire insurance.  Car accidents take place each and every day, especially during extreme weather conditions such as snow, heavy rain, fog, and frost.  There is also the risk of potentially being the victim of theft, burglary, or vandalism.  The risk that comes with driving a hired car is the same as driving your own car; it might even be bigger, seeing as you do not know the ins and outs of the hired car so well.  That is why having some car hire insurance is so vital.  When hiring a car, the last thing you want to deal with is having it damaged or even stolen.  Taking out some form of car hire insurance is a necessity, no matter where you hire a car. 

By taking out car hire insurance, you are basically protecting yourself from financial liability.  This means in essence that you do not have to pay for thousands of rand worth of damage.  For example, if the hired car is stolen while in your possession and the car hire insurance covers this, you are safe from any potential legal action.

Some people are of the opinion that car hire insurance is too expensive, whether you only hire for a day or over a longer period of time.  While this might be a valid argument when it comes to certain car hire insurance companies, it most certainly is not the case with the majority.  Most car hire insurance companies are quite reasonable with their car hire insurance packages.  Besides, would you not rather pay a bit extra for good car hire insurance than end up having to pay ten times more when legal costs are involved if your hired car is indeed stolen or damaged heavily?

Certain car hire companies even specialize in car hire insurance.  When you need to hire a car next time, it is good idea to try and come into contact with such a car hire insurance company, seeing as they might offer you amazing deals on any type of car hire insurance for various lengths of time.

After acquiring both your driver’s license and a car, all that is left to get is some vehicle insurance.  Although vehicle insurance is not required by law in all instances as is the case overseas, it is still advantageous to have.  Whether you have just bought your first car or been driving since the 50’s, you will undoubtedly have some questions regarding vehicle insurance.  Below are some great tips to help you find affordable vehicle insurance coverage. 

• Shop around

There are plenty of vehicle insurance companies advertising their services.  Each and every one of them make promises that they are the best and are able to save you hundreds of bucks annually in premium costs and subsequently offer you more benefits than their competitors.  Compare vehicle insurance companies with each other in order to see who will indeed give you the best vehicle insurance deal.  As this is a big decision financially that could greatly impact the financial stability of your family, you should not rush into anything. 

• Safe driving

This tip should be obvious.  If you have a dodgy driving record, chances are good that vehicle insurance companies will think twice before giving you vehicle insurance; however, if they do, it will not come at a cheap price.  The more accidents you have been involved in, the more they will charge you for vehicle insurance.  Also, if you do get vehicle insurance and you are involved in an accident, you can expect your premiums to go up.  Thus, avoid getting into any accidents if you want to build up a good driving record. 

• Vehicle

Having a reliable vehicle will count in your favour when it comes to vehicle insurance.  The vehicle’s age, as well as its condition and accident history is important factors that vehicle insurance companies take into consideration.  If your vehicle has been in a number of accidents and you have to fix it on a constant basis, a vehicle insurance company may consider giving you the value of the vehicle rather than pay you to get it fixed; if your vehicle is not reliable, vehicle insurance companies might argue that it is not worth as much as the repair costs.

A lot of thought and planning usually goes into the process of selecting a vehicle insurance company.  Most people are under the impression that all vehicle insurance companies are equal.  Truth is they are not.  Important factors to keep in mind when having to select a vehicle insurance company is, among others, the types of vehicle insurance companies offer, the prices for each type of coverage, and how quickly these vehicle insurance companies reimburse claims. 

The price that you pay for vehicle insurance is of the utmost importance when selecting a vehicle insurance company.  Depending on the vehicle insurance company, the same type of vehicle insurance can vary with a few thousand rand.  Always ensure that you do your homework and figure out which vehicle insurance companies are competitive in their pricing structure. 

Another extremely important factor to be considered is the service aspect concerning vehicle insurance companies.  If you are in trouble and in need of immediate assistance, you should have the piece of mind that your vehicle insurance company will have resources on hand to help you on your way, either by assisting you with medical emergencies or by renting you a vehicle to get you home safely.  If you have any queries, reaching your vehicle insurance agent in a timely manner should also not be any hassle.

It is important to note that not all vehicle insurance companies operate in all areas.  Friends and family members may refer you to their vehicle insurance company which they are very happy about.  However, chances are that if you live in a different area or province than they do, policies and prices can change dramatically.  It is also worth knowing that vehicle insurance companies must be licensed to operate in a specific region; thus, some vehicle insurance companies might not even be available depending on where you live.

A basic vehicle insurance policy may include up to six different types of coverage.  Each section of a vehicle insurance policy is usually priced separately.  The various types of coverage include vehicle insurance liability, liability coverage, personal injury protection, property damage liability, collision insurance, and comprehensive insurance.

Different types of coverage included within a Vehicle Insurance Policy (H2)

• Vehicle Insurance Liability

Vehicle insurance liability covers you as the vehicle insurance policy holder or designated driver, for injuries caused by you to others whilst driving.  Other individuals such as family members or friends may also be listed on the vehicle insurance policy; this means they are also covered when driving your car. 

• Liability Coverage

Having enough liability insurance coverage is of the utmost importance, because you could be sued for a large amount of money if involved in an accident.  If liability insurance coverage is not included within your vehicle insurance policy but you do have a house or other savings, then these assets are at risk through a court case. 

• Personal Injury Protection

Personal injury protection (PIP), or commonly referred to as medical payments, also forms an important part of your vehicle insurance policy.  Personal injury protection refers to the amount of vehicle insurance coverage provided to cover all treatment of injuries to you as driver and policy holder, as well as to your passengers. 

• Property Damage Liability

Property damage liability is an important part of your vehicle insurance policy.  Property damage liability pays for damage that you or another person driving your car may cause to someone else’s property. 

• Collision Insurance

This type of vehicle insurance policy covers all costs associated with damage to your vehicle when in a collision with another vehicle.  It also covers damage caused by potholes.

• Comprehensive insurance

Comprehensive insurance is that type of the vehicle insurance policy that protects against damage or loss due to theft, or something else other than a vehicle.  This could include vandalism, a flood, an earthquake, or fire.