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Help with car rental and insurance questions - South Africa

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Will need to rent a car in Cape Town and also in Johannesburg which we will drive to Kruger. What do I need to know about insurance? We have an American Express as well as visa and mc. I know when we went to Ireland last year, we were advised to take additional insurance as the only credit card that provided insurance benefits there were some Mastercard World cards.

Just wondering if anyone here has done the research and found out if insurance provided by any of the above credit cards would be sufficient.

Is it cheaper to rent a car in town than at the airport?

Thanks

Pam

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