Why Car Rental Insurance Matters
When you rent a car, your main priority is convenience – getting where you need to go on time and without unnecessary stress. However, the road is full of unexpected situations – bad weather, tight parking spaces, flying gravel on the highway, or another driver’s carelessness.
That’s why insurance isn’t just a formality – it’s real protection for you and the vehicle you’re driving.
Basic Insurance Included in the Price
Every car rented from MOTO-PFOHE Rent a Car comes with basic insurance coverage included, ensuring peace of mind and fundamental protection during your trip:
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Third-Party Liability Insurance – covers damage caused to third parties;
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CDW (Collision Damage Waiver) – limits your financial liability in case of damage to the vehicle due to an accident;
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TP (Theft Protection) – provides coverage in case the vehicle is stolen.
With standard coverage, the renter’s financial responsibility is limited to a certain amount (deposit), depending on the vehicle class.
Levels of Coverage
Medium Coverage
By adding this option, you benefit from a lower deposit and significantly reduced liability in case of damage or theft – more peace of mind on the road at an affordable price.
Medium coverage includes damage to one car part but does not cover the windshield or tires.
This is a balanced option between cost and protection, especially suitable for short-term rentals or city driving.
Full Coverage
To eliminate financial risk completely, you can choose full coverage insurance. This option removes your liability for damage or theft and lowers the required rental deposit.
Full coverage is the best choice if you want to travel worry-free. It covers damages such as a broken window, scratches, damaged tire, or other minor incidents that can happen even with careful driving.
What Insurance Does Not Cover
Regardless of the chosen coverage level, there are situations in which the renter remains fully responsible:
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Driving under the influence of alcohol or drugs;
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Accidents without a police report;
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Damage to the interior, rims, or undercarriage;
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Loss of car keys or documents;
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Theft without a submitted police report.
It’s important to always inform both the rental company and the authorities in the event of an incident to maintain the insurance’s validity.
How to Choose the Right Insurance
Choosing the right insurance when renting a car depends on several practical factors:
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Route and terrain – if you’re traveling outside the city, on unfamiliar roads, or in variable weather, full coverage is recommended.
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Rental duration – longer trips come with a higher risk of incidents.
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Vehicle class – higher-class cars require larger deposits and have potentially more expensive repairs.
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Personal comfort – if you want to fully enjoy your trip without worry, full insurance is a small investment in safety and peace of mind.
Insurance isn’t an unnecessary expense – it’s your shield on the road.
With MOTO-PFOHE Rent a Car, you always get transparent conditions, reliable vehicles, and the freedom to choose the protection level that best fits your needs.
We offer car rentals with standard, medium, or full insurance coverage at competitive prices.
Book online and travel confidently – we take care of your peace of mind.