There are several types of insurance:
Mandatory (LDW) – civil liability insurance (OSAGO), included in the car rental price by default.
Full (LDW, CDW and TP) – OSAGO + damage insurance + theft insurance. With this insurance policy, in case of damage to the car due to your fault, you risk a deductible in the amount of the deposit value (from $ 400 and up, depending on the class of the car).
Maximum (EW or Super CDW and TP) with a zero deductible. In case of damage to the car, you do not risk your money.
To rent a car, you will not need to purchase full insurance without fail. In some cases, CDW and TP insurance can be purchased not from the rental company, but on the side, then you only need to pay the office for the mandatory LDW insurance policy. Maximum and full insurance are paid additionally at will.
If you book a car through our website, then the price displayed on the monitor already includes mandatory insurance. In Montenegro, a mandatory condition for filing an insurance claim is a police report. It should be noted that it is paid from 60e and its processing time takes quite a long time - 7-9 days. At the place where the accident occurred and in the personal presence of the guilty driver.
Therefore, in practice, clients do not have the opportunity to use additional insurance.
If you have chosen full insurance (LDW, CDW and TP), then during the acceptance of the car, I recommend carefully inspecting the damage to the vehicle and recording it on a special inspection form, a copy of which you should keep for yourself. In addition, you should definitely take a photo of all existing scratches and dents, while letting the car number and the rental company employee be in the frame.
All types of insurance do not apply to the lower part of the car (bottom), roof and tires.
