Is insurance included in the price?
Yes, comprehensive insurance is included in all our rentals. It covers vehicle damage and third-party liability.
However, an excess remains the renter's responsibility in case of an incident:
- 200,000 XPF for economy vehicles (Panda, scooters, Fun Cars)
- 250,000 XPF for SUVs and family cars (Duster, Lodgy, Clio, Rav-4)
- 350,000 XPF for premium vehicles (Wrangler, Boxer)
Two options can extend this base insurance:
- SCDW (excess waiver) — removes the excess in case of an accident
- Ultimate Cover — extension covering tires & wheels, glass breakage, key loss and vehicle theft
In which cases does the insurance not apply?
Insurance only covers incidents if the rental terms and conditions are respected. It is notably void in the following cases:
- Driving on mountain roads, unpaved tracks, trails or beaches — our vehicles are strictly reserved for the ring road and paved roads of the island
- Vehicle immersion in water (lagoon, ford, submerged beach, salt water) — regardless of water level
- Driver not declared in the contract
- Driving under the influence of alcohol or drugs
- Violation of traffic laws
- Commercial use (paid passenger transport)
These exclusions apply to all insurance levels (base insurance, SCDW and Ultimate Cover). If these conditions are violated, the renter is liable for the full amount of damages, with no excess cap.
📋 Full terms and conditions are available on the booking page and at contract signature.
What happens in case of an accident?
In case of an accident:
- Contact our office immediately
- Fill in an accident report if another vehicle is involved
- Take photos of the damage
- Our team will guide you through all administrative steps
The excess remains your responsibility unless you have subscribed to the SCDW option. Our damage handling is fair and transparent, based on verifiable evidence.
What is the difference between SCDW and Ultimate Cover?
Base insurance is included in every rental. Two options can extend it:
- SCDW (excess waiver) removes the excess in case of a collision.
- Ultimate Cover adds, on top of SCDW, coverage for tires & wheels, glass breakage, key loss and vehicle theft.
Coverage summary:
| Type of incident | Base | + SCDW | + Ultimate |
|---|
| Third-party liability | ✅ | ✅ | ✅ |
| Vehicle damage (collision) | excess | ✅ 0 XPF | ✅ 0 XPF |
| Tires & wheels (paved roads) | ❌ | ❌ | ✅ |
| Glass breakage | ❌ | ❌ | ✅ |
| Key loss | ❌ | ❌ | ✅ |
| Vehicle theft | ❌ | ❌ | ✅ |
| Customer's personal belongings | ❌ | ❌ | ❌ |
Ultimate Cover can only be subscribed in addition to SCDW.
