What Does Rental Car Insurance Not Cover?

One of the most misunderstood topics during the car rental process is the coverage of insurance and comprehensive protection. Many users assume that renting a car with full coverage automatically protects against all risks. However, comprehensive insurance is valid only within certain conditions and limits.

At Izmir My Rent A Car, we consider it our responsibility to clearly explain what is not covered by insurance so that our guests do not encounter surprises during the rental process.

What is Comprehensive Insurance?

Comprehensive insurance ensures that the rented car is protected against certain risks. However, this coverage does not mean unlimited protection for every situation.

In the car rental sector, comprehensive insurance typically covers collisions, accidents, and some external damages. Other situations are explicitly stated in the contract.

Situations Not Covered by Car Rental Insurance

Driving Under the Influence of Alcohol or Drugs

Any damage resulting from the driver operating the car under the influence of alcohol or drugs is not covered by insurance.

This situation is considered an absolute exception both legally and from an insurance perspective.

Unauthorized or Unlicensed Drivers

Any damage caused by the car being driven by persons not listed in the rental agreement is not covered by insurance.

If an additional driver is not registered, the rented car loses insurance protection.

Violation of Traffic Rules

Damage resulting from reckless use, such as speeding, driving in the wrong direction, racing, or drifting, is not covered by comprehensive insurance.

Insurance protects against accidents; it does not cover deliberate violations.

Off-Road and Misuse

Damage resulting from using the car in off-road conditions, on unpaved roads, or for purposes such as transporting heavy loads is not covered by insurance.

Such usage can cause serious damage, especially to the undercarriage and mechanical parts.

Tire, Glass, and Rim Damage

Standard insurance policies often exclude tire blowouts, broken glass, and rim damage.

Additional insurance packages can be chosen to cover these risks.

What Does Insurance with Deductible Mean?

Insurance with a deductible means that a certain amount of damage costs must be paid by the renter. If the damage exceeds this amount, the remaining portion is covered by insurance.

For lower-priced rental packages, the deductible is usually higher.

Normal Wear and Tear Not Covered by Insurance

Normal wear such as brake pads, clutch, or engine oil depletion due to regular use is not covered by insurance.

These conditions apply to all cars, including new vehicles.

Traffic Fines and Legal Liabilities

Traffic fines, parking fees, and legal penalties incurred during the rental period are the sole responsibility of the renter.

These costs are never covered by any insurance type.

Requirements for Insurance to Be Valid

• Complete and accurate driving license and ID information
• Car usage according to the rental agreement
• Immediate reporting of any damage to the company
• Proper and complete documentation of official reports

Why Transparent Insurance Matters

The most important factor distinguishing between companies and firms is clarity in insurance. Any unclear clause negatively affects customer satisfaction.

We share all insurance details clearly before the rental process.

The Right Address for Safe Car Rental in Izmir

When renting a car in Izmir, it is important to focus not only on affordable or economy options but also on the insurance coverage offered.

With Izmir airport rent a car services, we are always by our guests’ side with clear contracts and understandable insurance coverage.

Why Choose Us?

With our central location advantage, new and well-maintained car fleet, full-coverage rental approach, and transparent insurance policy, we provide safe mobility.

For us, car rental is not just about handing over the keys; it is a commitment to trust, both written and verbal.