When you rent a car in South Africa, the rental agreement almost always includes a standard Collision Damage Waiver (CDW) or Theft Waiver. This sounds reassuring, but it does not eliminate your financial exposure entirely. The CDW reduces your liability to a fixed amount known as the excess. If the vehicle is damaged or stolen, …
Many South African travellers assume their premium credit card handles travel insurance automatically. It’s a reasonable assumption, because banks market these perks prominently. But “covered” and “adequately covered” are very different things. The reality is that credit card travel insurance is a group benefit negotiated between your bank and an insurer. It’s designed to be …
General Enquiries
©2026 HEPSTAR. All Rights Reserved - Hepstar Financial Services (Pty) Ltd is an authorised financial services provider (FSP 45097)
