Essential Terms and Definitions for Kampi.co.za’s Insurance: This document provides an overview of key terminology and definitions relevant to Kampi.co.za’s Insurance. Whether you are new to the field or seeking a refresher, this guide offers clear and concise explanations of important concepts that will help you navigate and understand Kampi.co.za’s Insurance with greater confidence. From foundational principles to specialized terminology, this resource is an indispensable reference for anyone looking to deepen their understanding of Kampi.co.za’s Insurance.

Section 1: Insurance Terms and Conditions

Comprehensive Insurance Coverage

Kampi.co.za, through our brokers, offers comprehensive insurance coverage for all rentals where the owner has opted in to our insurance when listing with Kampi.co.za, and it covers damages to the camper.

Deposit

To secure the rental, Kampi.co.za requests a deposit of R5000 for local trips and R10000 for cross-border trips. In the event of an insurance claim, the R5000 deposit will be used to cover upto R5000 of the excess. The excess of R5000 or 10% of the value of the claim will apply to each incident. If multiple incidents occur, the excess will be multiplied by the number of incidents and will not be covered by Kampi.co.za. The excess is the responsibility of the renter.

Excess

Excess Amount: In the event of an insurance claim, an excess amount shall apply. The excess represents the portion of the claim that the renter or owner is responsible for. For each incident, the excess will be either R5000 or 10% of the total claim amount, whichever is greater.
Calculation of Excess: The excess for a claim will be determined by comparing the actual claim amount to the two aforementioned options: R5000 or 10% of the total claim amount. The higher value between the two shall be considered the applicable excess for the claim.
Application of Excess: The excess amount shall be deducted from any payment made by Kampi.co.za for the claim. It is the responsibility of the renter or owner to cover the excess before receiving any compensation for the claim.
Multiple Incidents: In the case of multiple incidents occurring during the rental period, each incident will have its own separate excess amount calculated based on the total claim amount associated with that particular incident. The excess will be applied individually to each incident, thereby ensuring the proportional allocation of responsibility.
Excess Liability: Kampi.co.za cannot be held liable for the excess amount of 10% or the minimum specified amounts for local and cross-border trips. Therefore, renters are obligated to pay this excess as specified in the terms and conditions of the rental agreement. In the event that a renter fails to make payment for the applicable excess within the stipulated time frame, Kampi.co.za reserves the right to take legal action against the renter. Legal action may include, but is not limited to, pursuing the outstanding excess through legal channels and recovering any associated costs incurred by Kampi.co.za. We strongly advise all renters to fulfill their financial obligations promptly to avoid any legal consequences.

Market Value of the Camper

The total amount that Kampi.co.za is liable to pay in the event of a claim is equal to the reasonable market value of the camper as specified by the owner. However, overinflating the value of the camper could result in a loss of cover.

Responsibility of Owner and Renter

To ensure cover, the owner is responsible for ensuring that the driver and renter are fully licensed with the correct license to tow the camper. The towing vehicle's license must also be up to date for the duration of the trip. The renter will accept responsibility for all damages once they take possession of the camper.

Claims Process

If a claim needs to be submitted, an email must be sent to insurance@Kampi.co.za with a copy of the Hand Over document, pictures of the damages, and a minimum of two separate repair quotes. Kampi.co.za will then issue a claim form that must be completed by the owner and signed by the renter.

Limitations and Exclusions

Insurance coverage does not extend to damages caused by the renter's negligence, intentional acts, or breach of the rental agreement. Additionally, Kampi.co.za is not liable for any loss of personal property that occurs during the rental period. Any exclusions or limitations will be outlined in the rental agreement.

Liability

Kampi.co.za is not liable for any loss or damages arising from the use of a rental camper, including but not limited to any accidents, injuries, or loss of property, whether caused by the renter, the owner, or any third party. The renter agrees to indemnify Kampi.co.za against any such claims, losses, or damages.

Local Laws

These insurance terms and conditions are governed by the laws of the Republic of South Africa and any disputes arising out of or in connection with these terms and conditions shall be subject to the exclusive jurisdiction of the South African courts.

By opting in to our insurance when listing with Kampi.co.za, you agree to these insurance terms and conditions.

Section 2 : Insurance Coverage and Exclusions

2.1 Insurance Coverage

Kampi.co.za, through its brokers, provides comprehensive insurance for all rentals where the owner has opted in to our insurance. Insurance coverage will only be provided for incidents that occur during the rental period. The total amount of coverage provided by Kampi.co.za is equal to the reasonable market value of the camper, as specified by the owner at the time of listing.

2.2 Deposit Requirements

Kampi.co.za requires a deposit of R5000 for all local trips and R10000 for cross border trips. This deposit will be used to cover the excess in the event of a claim. The excess for each incident is R5000 or 10% of the value of the claim, which means that if multiple incidents occur during the rental period, the excess will be applied for each incident separately.

2.3 Exclusions

The following events are excluded from the insurance coverage provided by Kampi.co.za:

Any damages caused by the renter or any other third party if the renter or driver is not licensed to operate the camper or the towing vehicle.
Any damages caused by the renter or any other third party if the towing vehicle is not licensed for the duration of the rental period.
Any damages caused by the renter or any other third party if the camper is used for racing, speed testing, or other similar purposes.
Any damages caused by the renter or any other third party if the camper is used for any illegal or unlawful purposes.
Any damages caused by the renter or any other third party if the camper is driven outside of the agreed-upon rental period.
Any damages caused by the renter or any other third party if the camper is driven on roads that are not suitable for the vehicle.
Any damages caused by the renter or any other third party if the camper is driven in areas where travel is not recommended due to war, civil unrest, or other similar situations.
Any damages caused by the renter or any other third party if the camper is driven outside of the borders of the country where the rental originated from without prior written consent from Kampi.co.za

2.4 Claim Submission

In the event of any damage or loss covered by the insurance policy, the renter or owner must notify Kampi.co.za as soon as possible and provide the following documentation to insurance@Kampi.co.za:

A copy of the Hand Over document signed by both parties.
Pictures of the damages incurred.
Proof the the damage occurred during rental and not before.
A minimum of two separate repair quotes.
Any other relevant documentation requested by Kampi.co.za.

Once the value of the claim exceeds R5000, Kampi.co.za will issue a claim form that must be completed and signed by the owner and renter before the claim can be submitted to the insurance provider. Kampi.co.za will not be held responsible for any claims submitted without following the proper claims submission procedure.

2.5 Claim Amount

The total amount that Kampi.co.za will cover for any loss or damage to the camper or its contents will be equal to the reasonable market value of the camper specified by the Owner. However, any over-inflation of the value by the Owner could result in a loss of cover.

Insurance claims will only be submitted once the value of the claim exceeds R5000. Any claims below this amount will be deducted from the breakage deposit paid by the Renter.

2.6 Excess

In the event of a claim, the Renter will be responsible for the first R5000 of any claim (the "Excess"). This Excess will be deducted from the Renter's breakage deposit. In the event of multiple incidents during a rental period, each incident will have its own Excess of R5000.

The Owner will be responsible for any amount in excess of the Kampi.co.za coverage, up to the total market value of the camper. The Owner is also responsible for ensuring that the driver and Renter have the correct licenses to tow the camper, and that the towing vehicle's license is up-to-date for the duration of the rental period.

2.7 Fraudulent Claims

Kampi.co.za reserves the right to deny any claim that is suspected to be fraudulent or where the Owner or Renter has acted negligently or in breach of these terms and conditions. Any intentional or fraudulent misrepresentation by the Owner or Renter will result in immediate cancellation of the rental agreement, and the Owner and Renter may be held liable for any damages or costs incurred by Kampi.co.za.

Section 3: Deposits

Kampi.co.za requires a deposit for every rental. The deposit amount will depend on the nature of the rental and is subject to change at Kampi.co.za’s discretion.
The deposit will be used to cover any damages or losses that occur during the rental period.
The deposit will be refunded to the renter within 14 days of the rental period ending, provided that there are no damages or losses to the camper.
If there are damages or losses to the camper, the deposit will be used to cover the costs of repair or replacement. If the costs of repair or replacement exceed the deposit amount, the renter will be responsible for paying the remaining amount.
If the renter is unable to pay the remaining amount, Kampi.co.za reserves the right to take legal action to recover the outstanding amount.
Kampi.co.za reserves the right to withhold the deposit or a portion thereof, in the event that there is a dispute regarding damages or losses to the camper.
The deposit is not an insurance premium, and therefore does not provide any insurance cover to the renter.

Section 4: Cancellations and Refunds

Cancellation of a rental must be done in writing and received by Kampi.co.za at least 30 days prior to the start of the rental period.
In the event of a cancellation, the following fees will apply: a. Cancellation more than 30 days before the rental period: no fee will be charged. b. Cancellation less than 30 days before the rental period: the full rental fee will be charged.
Refunds will only be issued for cancellations made more than 30 days before the rental period.
Kampi.co.za reserves the right to cancel a rental agreement at any time, in the event of a breach of the terms and conditions by the renter or the owner.
In the event of Kampi.co.za cancelling a rental agreement, a full refund will be issued to the renter.

Section 5: Governing Law and Jurisdiction

These terms and conditions are governed by the laws of the Republic of South Africa.
Any disputes arising from these terms and conditions will be subject to the exclusive jurisdiction of the courts of the Republic of South Africa.
Kampi.co.za reserves the right to take legal action against any party who breaches these terms and conditions.

Section 6: Entire Agreement

These terms and conditions constitute the entire agreement between Kampi.co.za, the renter, and the owner, and supersede all prior negotiations, understandings, and agreements between the parties.
No variation or amendment to these terms and conditions will be binding on Kampi.co.za unless agreed to in writing by an authorized representative of Kampi.co.za.
The renter and the owner acknowledge that they have read and understood these terms and conditions, and agree to be bound by them.
By listing a camper with Kampi.co.za or renting a camper from Kampi.co.za, you agree to these terms and conditions. Kampi.co.za reserves the right to modify or update these terms and conditions at any time. It is the responsibility of the owner and renter to review the current terms and conditions before each rental transaction.
By listing a camper with Kampi.co.za or renting a camper from Kampi.co.za, you agree that Kampi.co.za may collect, use, and process your personal information in accordance with the Protection of Personal Information Act (POPIA) for the purposes of administering the rental transaction, managing insurance claims, and other related purposes. You consent to the sharing of your personal information with Multirisk Brokers and King Price Insurance for the purposes of managing insurance claims. Kampi.co.za will take reasonable measures to protect your personal information and will not disclose your personal information to any third party except as necessary to manage the rental transaction or as required by law.

Annexure - Breakage Deposit Claims

This annexure forms part of the Terms and Conditions agreement between Kampi.co.za and the renter/owner, and outlines the process of claiming from the breakage deposit for non-insurance purposes.

Breakage Deposit Claims

In the event of any non-insurance related damages or loss that occur during the rental period, the owner has the right to claim from the breakage deposit. This includes, but is not limited to, damages to equipment not covered by insurance, missing equipment or general damages that have occurred during the rental.

Reasonable Claims

Owners are required to be reasonable with their claims and ensure that the amount claimed is fair and reasonable. Kampi.co.za will act as a mediator between the owner and renter in the event of a dispute.

Disputed Claims

In the event of a claim, Kampi.co.za may take up to three (3) weeks to mediate the claim if it is disputed by either party. During this period, Kampi.co.za may require additional information or documentation from both parties to ensure a fair and just resolution. Kampi.co.za reserves the right to deny any claim if the necessary information or documentation is not provided.

Dirty Return of Camper

If the camper is returned in an excessively dirty state, which requires out of the norm cleaning products and processes, the owner may claim for the additional cleaning costs from the breakage deposit.

Timely Return of Camper

The breakage deposit may be used if the renter neglects to return the camper on time. In addition, if the owner has to collect the camper, any costs incurred may also be claimed from the breakage deposit.

Kampi.co.za

When owners submit a claim, Kampi.co.za will deduct an administration and facilitation fee of R250 from the breakage deposit. Renters are responsible for paying this fee.

Process of Claiming from Breakage Deposit

To claim from the breakage deposit, the owner must provide a written notice to Kampi.co.za outlining the damages and amount being claimed. Kampi.co.za will then verify the claim and inform the renter of the claim being submitted. If the renter disputes the claim, Kampi.co.za will act as a mediator between the owner and renter to resolve the dispute.

Exclusions

The breakage deposit will not be used to cover any damages or loss that are covered by the insurance policy. The breakage deposit will also not be used for normal wear and tear of the camper.