Legal
Protection & insurance
Version 2026-05-17 · Last updated 17 May 2026
Every vehicle is covered by mandatory third-party insurance. You can reduce your own financial exposure by selecting one of three optional protection tiers at booking. All tiers are subject to the accident clause below.
Basic
Price: Included in base price · Deductible: €1,500
What it covers
- Third-party liability (Obavezno osiguranje) — mandatory by Montenegrin law, covers damage to the other party only
What it does not cover
- All damage to the rented vehicle
- Theft
- Glass, tires, undercarriage, mirrors
CDW — Collision Damage Waiver
Price: €7 / day · Deductible: €500
What it covers
- Body damage to the rented vehicle from a collision
- Reduces the renter's liability to the deductible amount
What it does not cover
- Glass, tires, mirrors, undercarriage
- Interior damage
- Theft of the vehicle
SCDW — Super CDW
Price: €12 / day · Deductible: €0
What it covers
- Everything in CDW with no deductible
- Glass
- Tires
- Mirrors
What it does not cover
- Theft
- Undercarriage and roof damage
- Roadside assistance
Super-Casco — All inclusive
Price: €18 / day · Deductible: €0
What it covers
- Everything in SCDW
- Theft of the vehicle
- Undercarriage and roof damage
- Roadside assistance and towing
What it does not cover
- Damage caused by gross negligence, intoxication, or unauthorised use
What we recommend
For most coastal trips of 3 days or more we recommend SCDW. Glass and tire damage on the M-2 coast road and on serpentines around Kotor and Lovćen is the single most common claim we see, and SCDW removes both your deductible and those exclusions. Choose Super-Casco if you intend to leave the main road network, drive at night extensively, or park overnight outside a secured area.