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Wheels Rent A Car

Insurance & coverage

Last updated: 2026-05-15

Three protection tiers, what each one covers, and how to choose. Pick at booking; upgrade at pickup; never downgrade mid-rental.

What's a deductible?

It's the maximum amount you'd pay out of pocket for damages, no matter what the actual repair costs. Basic is $800. Smart drops it to $250. All-inclusive is $0.

Our three tiers

Basic is included with every rental, third-party liability + collision damage with the $800 deductible. Smart adds tyre + windscreen cover, lockout, and personal effects up to $500. All-inclusive removes the deductible entirely and bumps personal effects to $2,000.

What's not covered

Traffic violations, off-road damage, fuel mishaps, and deliberate damage are never covered. Driving under influence voids all protection. Cross-border driving requires the cross-border permit add-on.

How claims work

If something happens, document the scene with photos, get a police report if relevant, and WhatsApp us immediately. We'll guide you through the next steps from there.

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