Car Rental With Insurance Included in Georgia

Car rental with insurance included in Georgia can mean full cover with nothing extra to pay, or a minimum policy with a large excess, so read the terms rather than the word "insurance". At DRACARS full comprehensive insurance is in the rental price, and with at least 2 years of driving experience there is no excess.

Car rental with insurance included at DRACARS

Full comprehensive insurance is already in the price, so there is nothing to buy at the handover. Tyres and the underbody are not covered on any road, and the renter pays for their repair. The insurance does not apply if the driver is not sober.

If there is an accident, you do not move the car, you call 112, and you tell the rental company straight away. The DRACARS number for this is +995 574 038 531, which is also on WhatsApp.

Full cover or a minimum policy

A minimum policy covers damage you cause to others, but not the rental car itself. Full comprehensive cover protects the car too, so a scratch, a dent or more serious bodywork damage does not come out of your pocket if the policy has no excess.

Sometimes an offer says "insurance included" and means a minimum policy, with full cover sold at the counter as an extra. The daily rate then looks lower, but the total for the trip ends up higher. The gap is widest on a long rental, where the extra for cover is charged every day.

What an excess is

The excess is the part of any damage the driver pays even with full insurance. If it is large, the cover is "full" only on paper, because you still pay for minor damage yourself. A scratch on a bumper while parking, for example, can fall entirely within the excess, and the insurance then pays nothing.

A policy with no excess and a slightly higher rental price often works out better than a cheap policy where you pay the first part of any damage. So find out the excess before you book, and compare companies on price and excess together.

With less than 2 years of driving

At DRACARS there is no excess for drivers with at least 2 years of experience. You can rent earlier, from age 21 with at least 1 year of experience, but then the policy has an excess: its amount depends on the make of the car and is named when you book.

To avoid a surprise, give the exact date your licence was issued in the request. If you are choosing between two or three cars, ask for the excess on each, so you compare not only the rental price but also what you would pay yourself after damage.

How to read the exclusions

Every policy has exclusions: things it never covers, whatever happens. Most often these are certain parts of the car, damage on roads the contract does not allow, and breaking other rental terms.

Exclusions tend to sit in small print at the end of the terms, so they are easy to miss. Ask the company to list them in one message rather than pointing you to a long contract. If there are more than three or four, "full" cover may not be as full as it sounds.

What to ask a rental company before booking

Before comparing prices, ask every company the same questions about insurance:

• Type of policy — full comprehensive cover in the price, or a minimum policy with an extra at the counter.
• Excess — whether there is one for your driving experience, and the exact amount.
• Exclusions — what the policy never covers.
• Accidents — who to call and what the company expects from the driver.

Ask everything in one message and keep the replies in the chat: that part of the terms is what you will need if something happens. If a company will not put the excess in writing, assume it is high and compare on that basis.

In short

Send your request on the Tbilisi car rental page with your dates and years of driving.