Part 2.

OUR BASIC PROTECTION IN DETAIL

CDW: COLLISION DAMAGE PROTECTION

·        Our collision damage protection product limits your financial exposure for damage caused to the Vehicle whilst it is in your care. If you purchase our standard collision damage protection product and comply with the applicable laws and COSTA RICA’S terms and conditions then we will pay for the cost of damage to the Vehicle that exceeds the Excess amount. You can reduce or eliminate the Excess amount by purchasing our premium/or medium collision damage protection products instead of the standard collision damage protection offering.

·        This protection does not cover the loss or theft of or damage to objects or property, (including luggage or goods) that are deposited or kept or transported in or on the Vehicle by you or by any Passenger.

What does this protect me against?

 This product protects you from liability for any amount greater than the Excess amount for the following combined costs related to:

·        The cost of damage to or repair of the Vehicle or its book value if it is not repairable and must be written off; and 

·        Our Loss of Use in the Vehicle whilst it is being repaired and / or written off; and in circumstances where:

·        You collide with a fixed or moving object; or

·        The Vehicle is subject to an act of vandalism which is not caused by the negligence of the driver (please refer to the Common Negligence examples below)

·        Natural Catastrophes: you will be covered for the consequences of event qualifying as natural catastrophes as defined under COSTA RICA’S law. An excess, which is determined by Decree, will still be payable by the renter.

What is excluded from the protection?

• Loss or damage to your own property that is being transported or kept in or on the Vehicle during the rental period.

• You will be financially liable for the full cost of the damage to the Vehicle if the damage is caused:

  • By the willful acts of the driver; or
  • By an explosion or fire in (or to) the Vehicle because you are using it to transport dangerous goods (dangerous goods being any product or substance that, due to its nature and/ or main characteristics, is reasonably considered to be dangerous and which, if not transported with appropriate caution and safety, could cause harm to the Vehicle, and to anyThird Party within a reasonable distance of the Vehicle); or
  • By its total or partial theft or an act of vandalism whilst the Vehicle is left parked unattended.
  • Because the keys are lost or stolen
  • By your negligence (which is behavior that falls below the standards expected of a reasonably sensible person in similar circumstances) or the negligence of your Passengers

COMMON NEGLIGENCE examples (but are not limited to) include:

·        Improper advances, which cause collisions or vehicle to flip over.

·        Running over red lights, or not obeying traffic signs, which may result in collisions or vehicle, flip over.

·        Driving at a higher speed than what is established by Law for the particular road the vehicle is on.

·        Driving under the influence of alcohol or drug consumption.

·        Driving through rivers.

·        Leaving keys on car doors or on the ignition while vehicle is unattended, leaving doors open or unlocked during absence.

·         When the vehicle is parked in a “no parking” zone or in a place where theft or damage of the vehicle is fomented.

What must I do to benefit from the protection?

You must:

·        Purchase the protection;

·        Comply with Costa Rent-a-Car’s rental terms and conditions and all applicable law and local traffic regulations when you are driving the Vehicle;

·        Notify us within 12 hours of the date on which the incident took place and, in any event, before the end of your rental period. You must also return to us a full and complete Accident Report and OUR INSURER’S REPORT, as well as the Traffic Ticket expedited by the Traffic Police Officer attending the event.

What is the amount of my financial exposure?

·        If during your rental the Vehicle is damaged and you have not purchased this protection you will have to pay for the total cost of the damage as well as compensation due its immobilization.  However, if you added this cover to your rental agreement and complied with our Local Rental terms and conditions and the applicable law and road traffic regulations, then the maximum you will have to pay us is the Excess amount in case of any damage (excluding lights, tires, windscreen and excluding damages made due to common negligence).

Is CDW mandatory in Costa Rica?

·        CDW cover is required when the customer cannot present written valid proof or evidence of credit card CDW protection in Latin America, Costa Rica, in off-road conditions and for the category requested (and YES, we will verify this information with your bank). We strongly recommend our customers to purchase Costa Rent-a-Car’s basic protection CDW, in order to enjoy their trip without the worry. 

Please be aware of the following:

·        If you elect to be covered by your card’s insurance and decline Costa Rent-a-Car’s protections, the guarantee deposits will range from $5,000 to $7,000, depending on the vehicle category, plus rental estimate and extras.  This is because Costa Rent-a-Car needs to be sure that there is enough credit to asume full responsibility for any damages caused to the vehicle.

·        The extent of coverage provided by credit cards varies and is usually subject to certain restrictions, in particular concerning the maximum length of rental and the type of vehicle which can be covered. Major credit cards generally offer a collision and damage protection to their GOLD and PLATINUM members. These “covers” are generally very specific to the area you are traveling to (Latin America, Europe, Asia, etc.), to the type of vehicle reserved and to the roads the vehicle is driven upon.

THW: THEFT PROTECTION

·        Our theft protection product limits your financial exposure for loss of the Vehicle if it is stolen. If you have purchased this product and you have complied with Costa Rent-a-Car’s rental terms and conditions, we will pay for the costs arising from the theft that are greater than the Excess amount. You can reduce or eliminate the Excess amount by purchasing our medium or/premium theft protection products.

What am I protected against?

This product protects you from liability for any amount greater than the Excess amount for the following combined costs related to:

·        The Theft of the vehicle not caused by an act of common negligence (see common negligence examples)

·        The cost of damage or repair of the Vehicle (if it is recovered);

·        Our Loss of Use in the Vehicle whilst it is being repaired

What is excluded from the protection?

The product will not protect you in the following circumstances:

·        If the Vehicle is stolen or damaged because of your negligence or more specifically (but without limitation) as a result of keys being left in the Vehicle whilst it is unattended or having been delivered to an unauthorized person; any failure by you to return the keys to us or if you left the Vehicle unlocked when you weren’t using it;

·        Theft of or damage to personal and / or work related goods or possessions and any goods being transported in or on the Vehicle

·        Tires, lights and glasses

What must I do to benefit from the cover?

You must:

·        Purchase the product

·        Comply with Costa Rent-a-Car’s rental terms and conditions

·        Notify the local police of any incident or event immediately and provide us with the police report or evidence that the theft has been notified to the police

·        Return the keys

These are the minimum requirements.

What is the amount of my financial exposure?

If during your rental the Vehicle is stolen and you have not purchased this protection product, then you will be liable for the full cost of the damage to the Vehicle (if the Vehicle is recovered) or for the full Book value of the Vehicle if it is not recovered as well as the total amount due in the rental agreement.

With the theft protection the maximum you will have to pay us is the Excess amount (if and only if you have complied with the Local Rental terms and conditions).

TPL: THIRD PARTY LIABILITY INSURANCE

·        We are mandated by the laws of COSTA RICA to insure our Vehicles against liability for the claims or actions of Third Parties. A basic Third Party Liability is automatically included as part of our vehicle rental services. You will therefore, as a matter of course, be covered up to the level legally required by COSTA RICA’s Government for the consequences others may suffer as a direct result of your actions whilst you are driving the Vehicle (USD $11,000).  

What am I covered for?

As provided by law you will be insured against liability for the financial cost of any of the following consequences that may arise as a result of an incident that you cause when you are using the Vehicle: 

·        Bodily injury or death suffered by Third Parties

What is excluded from the cover?

Third Party Liability insurance does not cover:

·        Bodily injury or death that you (the driver at the time of the collision) may suffer; or

·        Any damage to or loss of your personal property or possessions; or

·        Any damage caused to the Vehicle 

·        Any damage caused to another Vehicle

What is the amount of my financial exposure for Third Party Liability?

·        You will be covered for the financial cost of any Third Party Liability arising as a result of a collision that you may cause whilst you are driving the Vehicle up to the level legally required by the country in which you are renting the Vehicle up to $11,000

How to notify us?

·        In circumstances involving Third Parties it is important that you do your utmost to properly complete and sign our Accident Report form as well as hand in the traffic ticket and our insurers report (given at the accident site), which gives us all relevant details of both the incident and of the Third Party. This will allow us to defend our case against the Third Party (if you are responsible for the incident) or to recover costs from the Third Party (if the Third Party is responsible for the incident). The Accident Report form should be transmitted to us within 5 working days of the incident or as soon as you reasonably can in the circumstances.

SLI: SUPPLEMENTAL THIRD PARTY LIABILITY

·        Costa Rica’s specific car rental regulations and Costa Rent-a-Car’s insurers’ policies require that all Third Parties are protected and taken care of in case of any injury inflicted for a minimum amount of USD$500,000.  This is why, unless the customer can present VALID and WRITTEN proof (from the Bank that has issued their credit card) stating that his insurance includes Third Party Liability for up to the amount mentioned, customers are required to purchase a SUPPLEMENTAL THIRD PARTY LIABILITY INSURANCE SLI, which elevates the protection from USD $11,000 to USD $500,000.

If the rate that the customer has booked does not include insurances or protection, purchase our SLI protection IS REQUIRED FOR RENTAL, in our service counter unless a written valid proof or evidence of credit card liability protection is presented. Europcar Costa Rica does not accept any other private Third Party Liability insurances, without exception.

OUR MEDIUM PROTECTION IN DETAIL

SCDW: SUPER COLLISION DAMAGE PROTECTION

This protection offers the same coverage as the CDW terms in the Basic Package page, but with REDUCED excess.

STHW: SUPER THEFT DAMAGE PROTECTION

This protection offers the same coverage as the THW terms in the Basic Package page, but with REDUCED excess.

WWI: GLASS, LIGHTS AND TIRE PROTECTION

This protection product will apply to any damage that occurs to glass, lights or tires in circumstances of normal use of the Vehicle during your rental.

If, and only if, such damage occurs as a result of a collision then the cost to repair or replace glass (including sunroofs or panoramic roofs), lights or tires will be covered by the collision damage protection

What am I protected against?

If you have purchased this product you will be protected against the financial liability for damage to: 

·        The windscreen; or

·        Any side or rear windows; or

·        Lenses (reflection of light) and lights; or

·        Rear view mirrors (the glassware only – not the housing) that are in or on the Vehicle if the damage occurs during your rental

·        Damage to tires on the Vehicle unless it arises from any abnormal use  you may make of the Vehicle

What am I not protected against?

You are not protected under this product:

·        Against the financial liability for damage to the Vehicle if it arises because of willful acts or negligence that you commit whilst using the Vehicle and which causes damage: or

·        For the theft, fire or vandalism

·        For the administration costs we incur in handling any damage file.

What must I do to benefit from the Protection?

You must:

·        Purchase it

·        Comply with Costa Rent-a-Car’s rental terms and conditions, all applicable laws and local traffic regulations when driving the Vehicle,

·        Notify us within 12 hours of the date on which the incident took place and, in any event, before the end of your rental period. You must also return to us a full and complete signed Accident Report or any other document which relates all of the facts as they occurred (nature of damage to the Vehicle, the location where the incident took place, the dates and circumstances and the potential witness details). You may, of course, include any other document you believe will be useful in support of your Accident Report. .

What is the amount of my financial liability?

·        If during your rental any glass or lights on the Vehicle are broken and / or any tires on the Vehicle are damaged and you have not purchased this protection then you will be liable for the full cost of the damage that is incurred by us.

·        If, however, you purchase this glass, lights and tire protection by it one or in the context of the “Premium” package (and provided you have complied with the Local Rental terms and conditions and the applicable laws and road traffic regulations) then you will have no financial liability for such damage.

·        If you purchase this glass, lights and tire protection in the context of the “Medium” package (provided you have complied with the Local Rental terms and conditions and the applicable laws and road traffic regulations), then the maximum you will have to pay us is the Excess amount.

PAI: PERSONAL ACCIDENT PROTECTION

This insurance, optional and additional, applies to all passengers in Europcar’s vehicle, including the driver. No excess is applied. It includes the Public Liability Policy, covering all public liability not covered by the contract, which may be generated by the car rental service offered to the insured party within national territory. It also includes the Automobile Seat Policy, which applies to the vehicle’s driver as well as the other occupants, and covers bodily injuries due to the unexpected action of any violent, fortuitous, and sudden external agent.

PAI cover does not apply If and when a number of passengers exceeding the maximum capacity established by the manufacturer is traveling in the vehicle.

OUR PREMIUM PROTECTION IN DETAIL

SPCDW: SUPER PREMIUM COLLISION DAMAGE PROTECTION

This protection offers the same coverage as the CDW terms in the Basic Package page, but with ZERO excess.

SPTHW: SUPER PREMIUM THEFT DAMAGE PROTECTION

This protection offers the same coverage as the THW terms in the Basic Package page, but with ZERO excess.

WWI: GLASS, LIGHTS AND TIRE PROTECTION

This protection product will apply to any damage that occurs to glass, lights or tires in circumstances of normal use of the Vehicle during your rental.

If, and only if, such damage occurs as a result of a collision then the cost to repair or replace glass (including sunroofs or panoramic roofs), lights or tires will be covered by the collision damage protection

What am I protected against?

If you have purchased this product you will be protected against the financial liability for damage to: 

·        The windscreen; or

·        Any side or rear windows; or

·        Lenses (reflection of light) and lights; or

·        Rear view mirrors (the glassware only – not the housing) that are in or on the Vehicle if the damage occurs during your rental

·        Damage to tires on the Vehicle unless it arises from any abnormal use  you may make of the Vehicle

What am I not protected against?

You are not protected under this product:

·        Against the financial liability for damage to the Vehicle if it arises because of willful acts or negligence that you commit whilst using the Vehicle and which causes damage: or

·        For the theft, fire or vandalism

·        For the administration costs we incur in handling any damage file.

What must I do to benefit from the Protection?

You must:

·        Purchase it

·        Comply with Costa Rent-a-Car’s rental terms and conditions, all applicable laws and local traffic regulations when driving the Vehicle,

·        Notify us within 12 hours of the date on which the incident took place and, in any event, before the end of your rental period. You must also return to us a full and complete signed Accident Report or any other document which relates all of the facts as they occurred (nature of damage to the Vehicle, the location where the incident took place, the dates and circumstances and the potential witness details). You may, of course, include any other document you believe will be useful in support of your Accident Report. .

What is the amount of my financial liability?

·        If during your rental any glass or lights on the Vehicle are broken and / or any tires on the Vehicle are damaged and you have not purchased this protection then you will be liable for the full cost of the damage that is incurred by us.

·        If, however, you purchase this glass, lights and tire protection by it one or in the context of the “Premium” package (and provided you have complied with the Local Rental terms and conditions and the applicable laws and road traffic regulations) then you will have no financial liability for such damage.

PAI: PERSONAL ACCIDENT PROTECTION

This insurance, optional and additional, applies to all passengers in Costa Rent-a-Car’s vehicle, including the driver. No excess is applied. It includes the Public Liability Policy, covering all public liability not covered by the contract, which may be generated by the car rental service offered to the insured party within national territory. It also includes the Automobile Seat Policy, which applies to the vehicle’s driver as well as the other occupants, and covers bodily injuries due to the unexpected action of any violent, fortuitous, and sudden external agent.

PAI cover does not apply If and when a number of passengers exceeding the maximum capacity established by the manufacturer is traveling in the vehicle.

COMMON NEGLIGENCE

IMPORTANT: none of the Costa Rent-a-Car’s protections cover damages caused by common negligence.

COMMON NEGLIGENCE examples (but are not limited to) include:

·        Improper advances, which cause collisions or vehicle to flip over.

·        Running over red lights, or not obeying traffic signs, which may result in collisions or vehicle, flip over.

·        Driving at a higher speed than what is established by Law for the particular road the vehicle is on.

·        Driving under the influence of alcohol or drug consumption.

·        Driving through rivers.

·        Leaving keys on car doors or on the ignition while vehicle is unattended, leaving doors open or unlocked during absence.

·         When the vehicle is parked in a “no parking” zone or in a place where theft or damage of the vehicle is fomented

ADDITIONAL PROTECTION

  • ERA EMERGENCY ROAD ASSISTANCE PROGRAM ($2.49 PER DAY)

Costa Rent-a-Car provides clients with complete 24-hour emergency roadside assistance. The numbers to be called are printed on the rental agreement and on the rental agreement wallet. In many countries, the number is also on the windscreen of the rental vehicle. In the event of a breakdown or an accident, you will receive prompt assistance. You must always remember to complete an accident report form, if an accident happens, giving a full account of the circumstances in which the accident happened. In the event of an accident, always make out a jointly agreed report with the other person involved (you’ll find one in the folder containing the vehicle’s documents). If you don’t, you could be held liable for the cost of repairing the damage done to the rental vehicle. Please read carefully the rental terms and any instructions provided at time of pick-up. The price of main usual parts is available at most of the main European stations, so that the small damages can immediately be paid at the time of return. This program includes: tyre change, loss of keys, change of batteries, mechanical malfunction.

  • LEGAL FEES AND TICKETS PROTECTION ($4.99 PER DAY)

Whenever a customer is involved in an accident, an Administrative Fee of USD $50 will be charged, to process all paperwork and legal procedures.  Customer is also always responsible for any traffic fines or tickets received during the rental period, which must be paid before leaving the country.  In order to avoid this Administrative Fee and payment of traffic fines or tickets, the customer can purchase our LFT Protection.  Please beware that Europcar will not accept any abuse of this protection (will cover only up to 2 tickets per rental agreement).