TPL (Third Party Liability)
Covers the cost of damage caused to another vehicle involved in an accident when you are deemed at fault. However, it’s important to note that TPL does not provide any coverage for damage to the rental vehicle. If the other party is found responsible for the accident, their insurance will be responsible for covering the damage to your car.

Mini Kasko
Provides TPL coverage, plus protection for the rented vehicle, covering up to 75% of the damage cost, but only in the case of a collision with another vehicle.

Kasko
Offers TPL and additional coverage for the rented vehicle, covering 80-90% of the damage cost. This includes multiple incidents: collisions with vehicles or objects, damage while parked, broken windows, and theft.

Full Insurance
Offers complete protection, covering 100% of the damage cost for a selected range of incidents, providing full peace of mind during your rental.

Please be aware that the insurance may be deemed invalid in certain situations. These include driving under the influence of alcohol, exceeding speed limits, engaging in reckless or intentional behavior, driving off-road with a vehicle not suitable for such use, and other violations. Additionally, in cases such as collisions or external damage, a police report may be required to validate the insurance claim. Be sure to check with your car provider for specific details and requirements to ensure full coverage.

SIGAL Daily Kasko Insurance and Road Assistance

Rent From Locals, in partnership with Sigal Insurance Group, offers complete insurance packages combining Kasko coverage and 24/7 roadside assistance (AutoSOS).

Packages are based on vehicle value and age and provide fair, transparent protection throughout your rental period.

Always Covered:

• Accidents
• Fire
• Natural causes (hail, flood, storm)
• Broken windows
• Parking damage (within limits)

Super Kasko – Cars up to 10 years (Albania only)

• Pricing:
  • €5–10k → €9.99/day
  • €10–25k → €13.99/day
  • €25–50k → €19.99/day
  • €50k+ → €30.99/day
• 0% Excess, 0% Franchise
• Parking damage up to €500
• Police report required for claims over €250
• Includes AutoSOS Albania

Standard Kasko – Cars up to 15 years (Albania only)

• Pricing:
  • €5–10k → €7.99/day
  • €10–25k → €11.99/day
  • €25–50k → €15.99/day
  • €50k+ → €25.99/day
• 20% Excess, 2% Franchise
• Parking damage up to €500
• Police report required for claims over €250
• Includes AutoSOS Albania

Simple Kasko – Cars 15–20 years

• Flat rate: €6/day (max vehicle value €5,000)
• 25% Excess, 2% Franchise
• Parking damage up to €250
• Police report required for claims over €250
• Includes AutoSOS Albania

AutoSOS Albania – Included in all Kasko packages or €1/day

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

AutoSOS Europe – €1.5/day

• Valid throughout Europe
• 24/7 roadside assistance
• On-the-spot repair
• Towing up to €200 / 100 km
• Replacement vehicle up to €50/event
• Hotel or alternate transport (1 event)

Required steps for insurance validity:

Customer (with support from provider):

• Upload clear live photos at pickup (4 sides + visible damage) in “Photos at Pick-Up”
• Call police in case of accident and get official report
• If police does not arrive: upload proof of contact and clear photos from the scene
• Upload all documents in “Accident Photos” via “Insurance Details” link
• Declare the accident on the platform

Provider:

• Provide the registered car with matching license plate
• Any replacement must be made via the website at least 48h in advance
• The new car must be confirmed by SIGAL and eligible for coverage
• Provider should offer a car of similar value/year when replacing
• If the car is an upgrade, coverage applies proportionally to the value difference
• If steps are not respected, provider is fully liable for damages