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- United Kingdom

Car Rental Insurance Comparison

Know what's covered and choose the protection that suits your needs.

	BASIC Third-Party Insurance Not Offered Legal minimum protection	COMPREHENSIVE Insurance Medium Good protection - included in your rental	FULL COVERAGE (Optional Upgrade) Premium Maximum protection - total peace of mind
Coverage / Protection	% Covered	% Covered	% Covered
Third-party liability (injury to others / other vehicles)	100%	100%	100%
Collision damage to our vehicle (own damage)	0%	0%	100%
Theft / total loss	0%	100%	100%
Not-at-fault accident (our vehicle damage)	0%	100%	100%
At-fault accident (our vehicle damage)	0%	0%	100%
Scratches & minor dents	0%	100%	100%
Windscreen / glass	0%	0%	100%
Roof	0%	0%	100%
Tyres (normal wear and tear)	0%	100%	100%
Underbody	0%	0%	100%
Your maximum excess / liability (per incident)	You are fully responsible for our vehicle	€400 / €500 / €600 (depending on vehicle category)	€0 (for covered damage)
Overall coverage level
	NOT OFFERED We do not provide the basic (third-party only) insurance option.	Included in rental price Already protected	+ Optional Extra Fee For complete peace of mind If the car is returned unaccidented, the optional extra fee is refunded.

1 Introduction

At Pingouin Car Rental, we provide a comprehensive and transparent insurance policy to protect our customers from unexpected repair costs. Our coverage is designed to be fair, reliable, and easy to understand.

This policy outlines:

What is covered under our insurance.
What is not covered and renter responsibilities.
Financial liability for damages in specific situations.

2 Comprehensive Insurance Coverage

Our comprehensive insurance offers broader protection than standard rental coverage, including:

Collision Damage Waiver (CDW) – Covers accidental collision-related damage.
Loss Damage Waiver (LDW) – Protects against costs related to theft or total loss.
Excess Waivers – Reduces the amount payable by the renter in case of an accident.

Our coverage ensures a streamlined claims process with no hidden fees or excessive deductibles.

3 When You Are Fully Covered

You are fully covered if you are involved in an accident that is not your fault, provided that you:

Complete an Accident Agreement Form with the other driver.
Take clear photos and videos of the accident scene.
Report the accident to our customer service team within 24 hours.

If these conditions are met, Pingouin Car Rental will cover 100% of the damages.

4 When You Are Not Fully Covered

In certain cases, full coverage does not apply, and you may be responsible for damages. These include:

At-fault accidents – If you caused the accident, insurance will not cover all costs. (See section 6 for what is covered when at fault.)
Lack of proof of collision – If you report damage but fail to provide a police report, accident form, or witness statement, insurance may not cover the damage.
Unverified parking incidents – If the vehicle is damaged while parked without CCTV footage or a witness, insurance may not cover the damage.

In these cases, you will be liable for repair costs based on our official damage price list.

5 Insurance Exclusions – When Coverage Does Not Apply at All

Insurance coverage is void if the renter:

Drives under the influence of alcohol or drugs.
Drives recklessly or violates traffic laws.
Uses the vehicle for prohibited activities such as racing, stunt driving, or off-road use.
Allows an unauthorized driver (not listed in the rental agreement) to operate the vehicle.
Fails to report an accident within 24 hours.

In these cases, the renter is fully responsible for all damages and related costs.

6 Coverage and Exclusions for At-Fault Accidents

What Is Covered If You Are at Fault?

✅ Minor body damage
✅ Scratches
✅ Dents
✅ Tyres and glass
✅ Roof parts

What Is Not Covered If You Are at Fault?

❌ Mirrors
❌ Head lights and tail lights
❌ Body paint and door panels
❌ Other major body parts

Repair costs for uncovered damages will be charged based on our official damage price list. All prices in that list are exclusive of 15% VAT.

7 Maximum Liability for Uncovered Damages

If damages are not covered due to the above-mentioned points, you will be responsible for the repair costs, which will be determined based on our transparent damage pricing structure.

Your maximum financial responsibility (also known as the ‘Excess’) for uncovered damages depends on the vehicle category. The following maximum fixed amount is only payable at the end, whenever an uncovered damage is registered:

€400 – Mini & Compact Cars
€500 – Standard, Sedan & Mini SUV
€600 – SUV, Pickup & 7-Seater

8 Summary of Coverage

Scenario	Our Coverage Status
Accident caused by another driver (not your fault)	✅ Fully covered (if conditions in Section 3 are met)
At-fault accident (you caused the damage)	⚠️ Partially covered (some exclusions apply; see Section 6)
Reckless driving, unauthorized driver, racing, or failure to report	❌ Not covered (renter is fully liable)
Damage without proof (no police report, no witness, no CCTV)	❌ Not covered
Damage while parked, with witness or CCTV footage	✅ Fully covered
Maximum renter liability for uncovered damages	⚠️ Based on max. liability per vehicle category (see Section 7)

9 Reducing Your Liability

Despite most damages being covered as outlined above by our comprehensive insurance coverage policy, if you wish to reduce your financial liability to zero and do not wish to pay the excess, you may still choose to opt for our Refundable Excess Waiver, detailed in the section below.

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