Insurance & Conditions

Car Rental Insurance:

Collision and Damage Waiver (CDW for short). This insurance is part of the basic insurance package offered and is included in the quote.

With this the client will be responsible to pay up to $950 USD – $2,000 USD for damages, depending on the car selected. Only authorized drivers of the vehicle will be covered under any policy.

If the driver is younger than 25 years old this insurance cannot be declined.

Any insurance policies will no longer be valid in the event of an unauthorized driver or negligence, in these cases the client becomes responsible in full for the damages.

There will be a hold placed on your credit card in the amount of: $950 USD – $2,000 USD, depending on the car category.

Third Party Liability (TPL for short). This insurance is part of the basic insurance package offered and is included in the quote.

This insurance cannot be declined because it is required coverage in Costa Rica. The client is responsible for just 20% of damages caused to any third party (including bikes, motorcycles, bridges, cars, pedestrians, etc) as result of damages caused by an authorized driver of the rented vehicle. The car rental company will cover 80% with this insurance.

In the event of personal injuries or damages to third parties the maximum coverage is $300,000.00 USD.

This insurance will be invalidated in event of an unauthorized driver or negligence, in these cases the client becomes responsible in full for any damages.

There will be a hold placed on your credit card in the amount of: $950 USD – $2,000 USD, depending on the car category.

Personal Accident Insurance (PAI for short). This insurance is part of the basic insurance package offered and is included in the quote.

This insurance covers the people travelling inside the car with a maximum amount of 6.000.000.00 colones per event, to cover medical expenses.

This is an optional insurance, with an additional rate of $9.99 USD per day. This insurance provides 100% of coverage for damages caused to third parties, including personal injuries and increases your maximum coverage to $600,000.00 USD.

With this insurance option the client is still responsible for the deductible of the rental car.

There will be a hold placed on your credit card in the amount of: $950 USD – $2,000 USD, depending on the car category.

This insurance is optional but provides complete peace of mind. The rate is $17.99 USD to $24.99 USD per day, depending on the car category.

This insurance covers the deductible of the rental car and Third Party Liability. The coverage is also extended if the car is stolen or becomes a total loss.

The Tires and Glass coverage is also included with this insurance package. Tires, windows and windshields are completely covered with this package.

This insurance will be invalidated in the event of an unauthorized driver or negligence, in these cases the client becomes responsible in full for the damages.

There will be a hold placed on your credit card in the amount of: $950 USD – $2,000 USD, depending on the car category.

This insurance policy is optional, at a rate of $4.99 USD per day. With this your windows, windshields and tires (including the spare tire if it is stolen) are protected. This option can be applied separate of any other plan.

Conditions:

Insurance Policy Holds:

If multiple car rental insurance policies are selected, only one hold of $950 USD – $2,000 USD will be applied. This is a deposit to cover damages to the rental car and will be returned to the client if the vehicle is returned undamaged. The hold be applied even if full coverage insurance is selected, just to cover the possibility of negligence.

 

Invalidity of any insurance policy

Any of the insurance policies, even optional insurance, will be void if:

The driver is not authorized by Target Car Rental to drive the vehicle.

The authorized driver is under the influence of alcohol or any other illegal substance.

The driver operates the vehicle in violation of any Costa Rican laws, including speeding, failure to stop at stop signs, etc.

The driver fails to provide any of the following; Accident report from 911, a report from the insurance company, and failure to call Target Car Rental to report the accident.

Negligence includes but is not limited to: Driving with the parking brake on, operating the 4×4 transmission mode over 40 km/h, hitting obstacles on the road, driving though rivers, estuaries, beaches, lakes, and/or roads in poor condition.

 

None of the insurance policies offered covers:

Underside or interior of the vehicles, except in the event of collision or theft of vehicle.

Neither tow truck service nor drop off charge for switching the car outside of Central Valley will be covered, even in the event of an accident or overturning of the vehicle.

 

Declining CDW:

We do accept most credit card company’s protection plans. However we suggest that you call your credit card company ahead of time to be sure that the 4×4 vehicle that you will be renting in Costa Rica is covered by your credit card’s insurance policy.

Declining this insurance; Once Target Car Rental has accepted the written proof of your credit card’s CDW coverage from your bank, prior to the start of the rental, which must include the specific card number and the customer’s name, the client becomes responsible in full for the rental car. Any damages must be paid in-house, and the customer is responsible to submit and follow through with the claim with their bank. The credit card company will be responsible to reimburse the client, so it is expected to pay upfront for any damages.

The authorized driver must be present with his or her credit card at the rental agency. We will not accept credit card policies in anyone else’s name.

In the absence of written proof of credit card coverage, the customer cannot decline this insurance.

If you are sure that you can decline the CDW, ask for an updated quote, which will be verified at the rental agency.

Please note that the deposit required for the vehicle will be double if the CDW is declined, the amount will depend on the car category.

The TPL (Third Party Liability) cannot be declined in any circumstances, due to it being mandatory by Costa Rican law.