Basic Coverage (Mandatory)
The auto insurance in Costa Rica is a government monopoly of the INS (Instituto Nacional de Seguros). Liability insurance from the INS is mandated by law. This is a combine product that includes Collision Damage Waiver and Third Party Insurance. If there are damages to the rented vehicle or if there is an accident, the renter must be responsible for the payment of the deductibles. The maximum amount of deductible to be paid in case of damages caused to the rented car is US$ 1.000.00 (one thousand dollars). If there are damages done to third parties assets, the deductible will be 20 % of the full amount of the damages.
Now the portion of CDW insurance can also be covered by your credit card insurance (client decline CDW with credit card) or other insurance coverage purchased from home. Just obtain a copy of proof of this insurance coverage from an insurance/credit card provider (Please read our Credit Card Insurance Cover) to understand better how it works.
All our rates include the Basic Mandatory insurance CDW-TPL (Known also as SLI, SLC or API) NO ADDITIONAL FEES. There’s other optional insurances you can buy if you prefer to travel fully covered but this is not included in our rates and it’s your decision to take them or not.
Optional Zero Liability
Also known as Full Coverage, Zero Deductible, Damage Supplement, and Super Collision Damage Waiver, these additional policies are intended to reduce your liability to zero when used in combination with TPL & CDW. These additional insurances are more expensive, but cover most circumstances, have a higher amount of coverage, and may have zero deductible. Also include 24-hour roadside assistance. The amount you pay depends on the type of car model you rent.
Our advice? Take your time and read the insurance conditions and your car rental confirmation in order to know exactly what is included and what is not. Unfortunately some rental car counters can be very persistent trying to sale extra services / accessories and this may cause renters to think they need the additional insurance to drive in Costa Rica incurring to extra charges without really understanding what they’re paying for. We’re very happy to assist you explaining the optional insurances you can take before your arrival and help you to avoid confusions at the time of signing your car rental agreement.