Insurance and risk coverage when renting a car
Drive with peace of mind. You know in advance the maximum amount you may pay for covered damage.
When renting a car, you do not want unclear terms or unpleasant surprises when returning the vehicle. That is why, at Taggart, coverage of the main risks related to damage to or theft of the vehicle is already included in the basic rental price.
You know in advance what your excess is and what your maximum additional payment may be in the event of a covered damage incident. For an additional fee, you can also reduce your excess to CZK 5,000 or even choose a zero-excess option.
For covered damage incidents, we do not charge you any downtime, loss of profit, or reduction in the vehicle’s value above the agreed limits. We want you to know exactly what maximum financial risk you are travelling with before your journey begins.
Full coverage with standard excess is always included in the price. If you want even greater peace of mind on the road, you can flexibly adjust the level of your limit according to your needs.
What the coverage includes
Risk coverage applies to the main situations that may occur during the proper use of the rented vehicle, especially:
- mandatory third-party liability insurance and damage caused to third parties,
- damage to the vehicle in a traffic accident,
- damage to a parked vehicle caused by an unknown offender,
- vandalism,
- damage caused by natural elements,
- theft of the vehicle,
- damage to the windscreen,
- damage to the rim or wheel, depending on the selected excess option.
Three levels of excess depending on how you want to travel
Standard excess
Included in the price of every rental.
The standard option is intended for clients who want the main risks to be covered without any additional fee.
For regular covered damage up to CZK 60,000, your excess is limited to a maximum of CZK 10,000 per damage incident.
For major damage above CZK 60,000, total loss, or theft of the vehicle, your liability is limited up to the amount of the agreed deposit.
- regular covered damage up to CZK 60,000: CZK 10,000 / damage incident
- windscreen: CZK 5,000
- rim or wheel: actual cost of repair or replacement
- damage above CZK 60,000: amount of the deposit
- total loss or theft of the vehicle: amount of the deposit
Reduced excess
For clients who want any potential additional payment to be significantly lower.
In the event of a covered damage incident, your excess is limited to a maximum of CZK 5,000 per damage incident. The same limit also applies to the windscreen, rim, wheel, total loss, or theft of the vehicle.
- regular covered damage: CZK 5,000 / damage incident
- windscreen: CZK 2,500
- rim: CZK 5,000 / rim
- damage above CZK 60,000: CZK 5,000 / damage incident
- total loss / theft of the vehicle: CZK 5,000
Zero excess
The highest level of peace of mind on the road.
In the event of a covered damage incident, you pay no excess. This option also applies to the windscreen, rim, wheel, total loss, or theft of the vehicle.
- regular covered damage up to CZK 60,000: CZK 0
- windscreen: CZK 0
- rim or wheel: CZK 0
- damage above CZK 60,000: CZK 0
- total loss or theft of the vehicle: CZK 0
The stated limits apply to covered damage incidents, provided that legal regulations and the rental agreement terms regarding reporting obligations are complied with.
Renting a car should be about the journey and the experience, not about worrying about every scratch
Car rental should primarily be about comfort, experiences, and smooth mobility – not constant fear of every small scratch.
Many competing car rental companies attract customers with seemingly low basic prices. However, these are often offset by hidden fees, long multi-page terms that are unfavourable to the client, and non-transparent billing in the event of damage. At the same time, legislation may allow rental companies to charge additional costs connected with damage, such as:
- compensation for vehicle downtime for the entire repair period,
- loss of profit due to the inability to rent out the vehicle,
- market depreciation of the vehicle after repair.
The final invoice can then climb into hundreds of thousands of crowns and make an originally attractive offer significantly more expensive.
At Taggart, there are no hidden costs even in the event of damage
We build our service on fairness – it is part of our DNA. The main risks are covered already in the basic rental price. If a covered damage incident occurs, we will never charge you any additional costs above the agreed limit. This gives you complete certainty and a clear budget. At the same time, you choose the level of excess yourself, which represents your maximum financial ceiling.
We cover you against bad luck on the road, not against alcohol
We believe in a fair partnership. To avoid any misunderstanding, here is an overview of situations that, by their nature, cannot be covered and for which responsibility remains with the renter:
- driving under the influence of alcohol or other addictive substances,
- driving by a person without a driving licence or without authorisation in the rental agreement,
- racing, sports driving, and driving off public roads,
- leaving the scene of an accident, failing to fulfil the reporting obligation, or failing to provide cooperation,
- loss of or damage to keys, documents, and handed-over accessories,
- refuelling with the wrong fuel,
- damage to the interior, including dirt, stains, and cigarette burns.
The rule is simple: As long as you act in accordance with the law and the rental agreement, we cover regular road risks for you according to the agreed excess. However, deliberate breach of rules or gross negligence cannot be included in the coverage.
How to choose the level of peace of mind you want to travel with
Standard coverage of the main risks is automatically included in the rental price. You can add reduced excess or the zero-excess option:
- by phone when confirming your order via our customer line,
- by e-mail when confirming your order,
- when collecting the vehicle before signing the agreement.
With Taggart, you know in advance what maximum risk you are setting off on your journey with.