Insurance Policies

Renting a car is easy but important to be safe and well-protected during your stay. Choosing the right insurance policy is one of the most important choices. At Montenegro Car Rentals, we offer additional insurance options to provide relax trip while you're driving in Montenegro.

Below you will find insurance policies at Montenegro Car Rentals. After or before reading this guide, do not hesitate to contact us for further questions.

Car rental insurance provides financial protection in case of accidents, theft, or damage to the rental vehicle.

Insurance helps you by removing financial liability from you in case of a car accident.

The type of insurance you choose can vary depending on your needs, your travel plans, and how much you want to be protected.

So, this guide will help you understand all types of insurance options in Montenegro and can help you make an informed decision.

When driving a car in Montenegro, it’s important to evaluate the level of risk you’re comfortable with. Each insurance policy we offer comes with its own benefits and considerations.

Some clients prefer full protection to avoid any financial responsibility, while others opt for basic insurance to keep costs low.

These are additioanl insurances, basically a paid add-on on your rental agreements. Since you will deposit any money, these are great to ensure you are financially protected during your holiday.

Full Coverage is the maximum insurance you can opt for, offering complete protection with no franchise or excess and no responsibility on your part, regardless of how the damage occurred. This coverage is especially beneficial for those looking for total protection.

Pros:

• No responsibility for any damage, regardless of how it occurs.
• No need for a police report to file a claim.
• Covers all potential damages, including minor incidents that might otherwise be a hassle.
• Best option for high-risk situations, such as unfamiliar roads or challenging driving conditions.
  

Cons:

• Not valid for one-day rentals.
• Higher daily cost compared to other policies.

This insurance is ideal for 1+ day rentals and clients who want to avoid any potential stress or financial burden while driving.

SCDW and WWI offer additional protection by exempting you from paying the franchise/excess in the event of an accident, even if you are at fault. It also extends coverage to tyres and windshields, which are not included in the standard CDW.

Pros:

• No payment of excess/franchise if an accident occurs.
• Covers damages to vulnerable parts of the car like tyres and windscreen.
• Offers peace of mind without the cost of Full Coverage. 

Cons:

• Valid only with a police report.
• Not available for one-day rentals. 

SCDW & WWI are great options for drivers who want extended protection without paying for full coverage, but are still willing to provide police documentation in the event of an incident.

At Montenegro Car Rentals, we include several essential insurance types in your rental agreement at no extra charge. These provide a solid level of protection for various situations.

Theft Protection is designed to cover you in the event of vehicle theft. It limits your financial responsibility in case the rental car is stolen.

Pros:

• Included in the rental agreement at no extra cost.
• Limits your liability in case of theft.

Cons:

• Does not cover personal belongings inside the vehicle.
• May require a police report for validation.

Third-party liability insurance covers damages or injuries to other people and their vehicles caused by the rental car. This is obligatory insurance in Montenegro and ensures you’re protected in case of accidents involving third parties.

Pros:

• Protects you from liability for damages to other vehicles.
• Required by law in Montenegro, so you’re fully compliant with local regulations.

Cons:

• Does not cover damages to your own rental car.
• Limited to third-party claims only.
• You must wait for the police report after an accident

Super Theft Protection goes beyond basic theft protection, covering additional aspects of theft-related damage, including cases where parts of the vehicle are stolen or tampered with. Or the entire vehicle. 

Pros:

• Enhanced protection against theft, including partial theft scenarios.
• Reduces financial burden in case of theft-related damages so you can relax on your holiday with car rental

Cons:

• It requires a police report.
• Does not cover theft of personal belongings inside the vehicle.

At Montenegro Car Rentals, we offer different types of insurance to ensure that you feel safe and protected on the road.

Whether you're looking for maximum protection with our Full Coverage or just need basic, included insurance like Theft Protection and Third Party Liability, we have the right insurance for every clients need and budget.

If you have any questions about our insurance policies or need help when choosing the best option for your trip, don’t hesitate to us.