Insurance packages overview

Below is a quick explanation of the coverage items you may see in the insurance comparison table.

Third party liability

Covers damage or injury you cause to other people, their vehicle, or their property. It does not cover damage to the rental car you are driving. If the other party is at fault, their insurance covers the damage. A police report may be required.

Accidents

Covers damage to the rental car caused by a road accident or collision.

Important: for accidental damage, a police report is often required. If the police do not come, you should be able to show that you made every possible effort to call them.

After any accident, take clear photos of the damage and the full scene (car position, road signs, plates), and upload them on the website as requested.

Natural catastrophes

Covers damage caused by natural events such as hail, flooding, storm, falling branches, or similar weather incidents.

Fire / Lightning

Covers damage caused by fire, burning, explosion, or lightning.

In parking

Covers damage that happens while the car is parked, such as dents or scratches, including cases where the other party is unknown.

If available, take photos and try to obtain proof (nearby cameras, witnesses, parking ticket, or any useful detail).

Glass / Mirrors

Covers broken or cracked windows and damage to mirrors, such as windshield, side windows, rear window, and side mirrors.

Tyres

Covers tyre damage such as puncture or blowout. In some cases, wheel or rim damage may also be included.

Theft

Covers theft of the vehicle or attempted theft that causes damage.

A police report is typically required, and you may be asked to provide supporting documents (for example key return confirmation and incident details).

Under the car

Covers damage to the underside of the vehicle, such as the oil pan, exhaust, suspension parts, or underbody panels.

Road assistance

Provides help in case of breakdown or immobilization, such as towing, on site repair when possible, battery jump start, or lock out support.

If the car cannot continue, a replacement vehicle may be provided when available and when required by the assistance service.

Important note

In case of an incident, act quickly: ensure everyone is safe, contact the police when required, take clear photos, and upload all requested evidence on the website.

If you selected only basic coverage, keep in mind that many types of damage to the rental car may remain your responsibility. Always review what is included before you drive.

SIGAL Daily Kasko Insurance and Road Assistance

Rent From Locals, in partnership with SIGAL Insurance Group, offers daily Kasko packages with roadside assistance. Packages depend on the vehicle’s value and age.

Required steps for insurance validity (customer, with support from provider):

• Upload clear live photos at pickup (4 sides plus any visible damage) in “Photos at Pick Up”.
• Call the police in case of accident and obtain an official report.
• If the police does not arrive, upload proof that you contacted them and clear photos from the scene.
• Upload all documents in “Accident Photos” via the “Insurance Details” link.
• Declare the accident on the platform.

Super Kasko (cars up to 10 years):

• 0% Excess, 0% Franchise
• Parking damage covered up to €500
• Police report required for claims over €250 (or proof you made every possible effort to contact the police)
• Includes AutoSOS

Standard Kasko (cars up to 15 years):

• 20% Excess, 2% Franchise
• Parking damage covered up to €500
• Police report required for claims over €250 (or proof you made every possible effort to contact the police)
• Includes AutoSOS

Simple Kasko (cars 15 to 20 years, max vehicle value €5,000):

• 25% Excess, 2% Franchise
• Parking damage covered up to €250
• Police report required for claims over €250 (or proof you made every possible effort to contact the police)
• Includes AutoSOS

AutoSOS (included in all Kasko packages):

• 24/7 roadside assistance
• On the spot repair when possible
• Towing covered up to €200 or 100 km
• 1 covered event per rental