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The insurance coverage is divided into two different parts in Scandinavia; a compulsory and collision insurance.
The compulsory insurance covers all the damages or accidents to the third party caused by you. The second one is the collision insurance, which covers damages to your own rental vehicle caused by an accident.
Collision insurance covers damages to the vehicle due to an accident, fire or theft. The insurance is NOT valid if the vehicle is being used under the influence of alcohol or illegal drugs, or if damage is caused due to reckless behavior.
The collision insurance does not cover any interior damages that are not caused by a traffic accident.
All Touring Cars rentals include a TCBasic insurance with corresponding deductible. In a case of an accident caused to the rental vehicle, the client needs to pay maximum the deductible per damage, per accident, per lost items or per punitive sanctions (please see the returning policy). The collision insurance covers the part of the monetary loss, which exceeds deductible value per damage. Insurance deductible does not cover interior damages which are not caused by traffic accident.
The minimum reduction period for lowering deductible is 7 rental days or equivalent monetary payment (10 days in TCTotal). All additional drivers need to be named for the insurance for it to be valid. If a non-designated driver drives the rental vehicle TCBasic insurance terms and conditions apply with a corresponding deductible per damage. All other rental and insurance conditions remain the same.
Vehicle insurances are valid only in Nordic countries, vehicle cannot be taken abroad without special agreement with Touring Cars.
Client will be given details of the current defects on the damage form. Client is responsible to discover the damages prior of signing the document. Client is liable for all new damages found on the vehicle upon the end of clients rental period. All new damages, which were not marked on the agreement upon pick-up, will be charged from client. This notice is given for clients protection.