OSAGO is mandatory insurance that is provided by default and included in the price.
How OSAGO works: If there is an accident caused by you, the insurance covers the repair of the other party's vehicle, and if the accident is not your fault, it covers the repair of the rented car.
Comprehensive CASCO is an insurance policy that offers several advantages over regular OSAGO insurance.
The principle of Comprehensive CASCO is that the insurance coverage is provided regardless of fault in an accident, although the amount of payout depends on the insured amount specified in the contract.
In our company, the "Comprehensive CASCO" insurance is included in the rental price of the car.
However, other companies may have different conditions and names for insurance options (such as Super CASCO, CASCO with deductible, CASCO without deductible), so it is always advisable to clarify what each insurance policy specifically includes and whether a deposit is required.
All types of insurance do NOT cover expenses for repairing the car's underbody, roof, and tires.
It is also important to remember that insurance does not cover damages if the driver was involved in an accident while under the influence of alcohol or drugs.
Car insurance in Montenegro:
In Montenegro, car insurance follows certain regulations and requirements. The two main types of car insurance in Montenegro are Compulsory Motor Third Party Liability Insurance (CMTPL) and Comprehensive Car Insurance (CCI = CASCO).
CMTPL insurance is mandatory and provides coverage for damages caused to third parties in an accident. It is included by default in the rental price of the car.
Comprehensive Car Insurance (CCI) is optional but highly recommended. It offers additional coverage for damages to your rented vehicle, theft, and other risks. The terms and conditions of CCI can vary, so it's essential to clarify the coverage and any excess or deductible amounts with the rental company.
In case of an accident in Montenegro, it is important to contact the police immediately and obtain an accident report, as insurance claims often require this document. It is advisable to notify the rental company as well to ensure proper handling of the situation.
It's worth noting that car insurance policies in Montenegro may have specific exclusions or limitations, such as coverage for certain damages or restrictions on driving in certain areas or countries. Therefore, it's crucial to carefully review the terms and conditions of the insurance policy provided by the rental company before renting a car in Montenegro.
In order for an incident to be recognized as an insurance claim, it is necessary to obtain an incident report from the police. Therefore, in the event of an accident, it is essential to contact us at +(382)68 12 77 12 so that we can arrange for the police to come and create an incident report.
Minor damages that occur while the vehicle is parked are covered by insurance. However, significant scratches and dents also require an incident report! It is not possible to attribute such damages to careless drivers in the parking lot without first being involved in an accident and taking the time to obtain a report from the police.