Insurance Coverage
Choose the right protection for your rental. Complete transparency on deductibles and costs.
How the insurance works
Every vehicle rented from Vispetta is covered by mandatory Third-Party Liability (TPL) insurance. You can also choose from two additional coverages that reduce or eliminate the deductible in case of damage to the vehicle.
Coverage Comparison
RC Base
Included
in the rental price
€5,000
Vehicle damage deductible
- Mandatory TPL insurance included
- Unlimited third-party damage coverage
- Own vehicle damage deductible: €5,000
- Roadside assistance included
- Own vehicle damage (above deductible)
- Vehicle theft (not covered)
Recommended
Mini Kasko
€10
per day
€600
Reduced deductible
- Mandatory TPL insurance included
- Unlimited third-party damage coverage
- Vehicle damage deductible reduced to €600
- Roadside assistance included
- Damage above the €600 deductible is the renter's responsibility
- Vehicle theft (not covered)
Full Kasko
€30
per day
€0
No deductible
- Mandatory TPL insurance included
- Unlimited third-party damage coverage
- No deductible for vehicle damage
- Maximum protection included
- Roadside assistance included
- Vehicle theft (not covered)
Note on the Security Deposit
Regardless of the coverage chosen, a security deposit of €300 is required at pickup via credit card. The deposit is released within 7 working days of returning the vehicle in good condition.
General Exclusions
Kasko coverages (Mini and Full) do not apply in the following cases, regardless of the plan chosen:
- Wilful misconduct or gross negligence by the driver.
- Driving under the influence of alcohol (blood alcohol level > 0.5 g/l) or drugs or medication that impairs driving ability.
- Use of the vehicle contrary to the rental agreement (e.g. off-road, competitions).
- Driving by persons not named in the rental contract.
- Damage caused by exceptional weather events (hail, flooding) — assessed case by case.
- Vehicle theft (not covered by any Kasko plan).
Frequently Asked Questions about Coverage
What happens if I scratch the vehicle?
With RC Base, vehicle damage is your responsibility up to €5,000. With Mini Kasko, you are covered for damages above €600 (you pay a maximum of €600). With Full Kasko, you pay nothing (€0 deductible).
Is the security deposit charged to my card?
No, the deposit is a temporary hold on your credit card. It is not charged unless there is damage. In case of damage, only the actual amount is charged, within the limits of the deposit and the selected coverage.
Can I add Kasko coverage after booking?
Yes, you can choose or change your coverage at vehicle pickup, before signing the contract.
Does Kasko cover theft?
No. None of the Kasko plans cover vehicle theft. In case of theft you must immediately file a police report.