Car Rental With Insurance Included in Georgia

Car rental with insurance included in Georgia is only as good as the policy behind the phrase: it can mean full cover with nothing to pay, or a basic policy with a large excess. At DRACARS full comprehensive insurance is in the price, and with at least 2 years of driving experience there is no excess.

What "insurance included" should mean

The phrase is worth something only if it means comprehensive cover for damage to the car you drive, not a minimum policy with an upgrade sold at the counter. Ask which of the two is meant before you compare prices between companies.

At the handover, the car's condition is filmed on video, so the scratches it already has are recorded before you drive away. Point out anything you notice, and it goes on the recording too.

Car rental with insurance included in Georgia: the excess

An excess is the first part of any damage that the driver pays even with insurance. A policy described as full can still carry one, so it is the number worth asking for before you book.

At DRACARS there is no excess for drivers with at least 2 years of experience. With less experience there is an excess: its size depends on the car and is named when you book, so you know it before you commit rather than after a scratch. If you are close to the 2-year mark, give the exact date on your licence in the request.

Tyres and the underbody

Tyres and the underbody are not covered anywhere and under any conditions, including gravel and mountain roads. If they are damaged, the renter pays for the repair, whatever the car.

That matters in Georgia because many of the best routes are mountain routes. Mountain roads are allowed on all our cars except premium models and low sedans, and for rough stretches a higher car from the SUV section is the safer choice. A slow pace over stones and potholes does the rest.

When the insurance does not apply

The insurance does not apply if the driver has been drinking. That rule has no exceptions, and on a wine day in Kakheti it decides who drives. It applies to a second driver just as much as to the first.

For a tasting day, book the car with a driver: the service is available in Tbilisi, Batumi and Kutaisi, and nobody in your group has to get behind the wheel after the last cellar. Plan the tasting so that the driver brings you back to the hotel, not to your own car.

What to do if something happens

Switch on the hazard lights and set up the warning triangle, if there is one in the car. Do not move the car, even if it seems to be in the way; call 112, then let the rental company know.

While you wait, and only if it is safe, photograph the scene: wide shots first, then the damage close up and the other vehicle's number plate. Keep the photos and the phone numbers of everyone involved until the case is closed. Keep your passport and driving licence with you in the car: they are the documents you will be asked for.

What to check before booking

• Full cover — in the price, or an upgrade at the counter.
• The excess — as a number, and what changes it.
• Exclusions — what the policy does not cover, in writing, before you pay.
• Gravel roads — whether they are allowed at all, and on which cars.
• After an accident — the steps the company expects from you, and who to call first.

Ask for all five in one message and keep the answer: it is the part of the contract you will actually need if something happens. If a company will not put the excess in writing, compare its offer as if the excess were high.

In short

Send your request with your dates and your driving experience, and ask for the insurance terms in the reply.