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Insurance

At DIKS, all vehicles come standard with basic insurance, including third-party liability (TPL), comprehensive (casco) coverage, theft protection, and 24/7 roadside assistance. This basic insurance is included in the rental price and ensures you are well protected on the road.

During your rental period, unexpected situations can occur, such as damage, theft, or breakdown. In such cases, an excess (deductible) applies per incident, as stated in the rental agreement and in accordance with the applicable BOVAG terms and conditions.

To give you peace of mind on the road, you can easily choose an additional insurance package during the booking process (Basic, Comfort or Carefree). You’ll immediately see which coverage and conditions apply to your selected vehicle, so you know exactly where you stand.

Choose your insurance package

  1. Basic
    Third-party liability coverage • Comprehensive (casco) coverage • Theft coverage • 24/7 roadside assistance

  2. Comfort (most popular)
    Everything from Basic + Tires • Windshield damage • Lower deductible

  3. Carefree (all-risk)
    Everything from Comfort + Parking & reversing • Damage to the roof (>1.90 m) • Waiver of deductible

Please note: insurance packages, coverage and excess may vary per vehicle and package. Always check the details during the booking process.

Terms, Conditions & Deductible

Excess and damage

• You pay a maximum of the agreed excess per incident
• If the damage is lower than the excess, you only pay the actual damage amount
• If the damage can be fully recovered from a known third party, you pay nothing

Exceptions

In deviation from the agreed excess, a higher excess may apply in the situations below.

Private rentals
• Damage when reversing or during parking: maximum excess €1,500
• Overhead damage (above 1.90 m): maximum excess €1,500

Business rentals
• Damage when reversing or during parking: maximum excess €2,500
• Overhead damage (above 1.90 m): maximum excess €5,000

Please note: the exact coverage and excess for these types of damage may vary depending on the vehicle and the selected insurance package. Please check the details during the booking process.

Not insured

In certain situations, coverage does not apply. These are the main exceptions:

• Damage caused by intent or reckless behaviour
• Damage under the influence of alcohol or drugs
• Loss of keys
• Damage caused by incorrect refuelling

Frequently asked questions