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Insurance cover

When you book your hire car with Niza Cars, basic insurance cover is included with excess liabilities, which protects you if the car is stolen or involved in an accident.

In this section you will find all the information you need to decide what car hire option is best for you.

Niza Cars always recommends that you study the car hire terms and conditions and that you opt for the STAR insurance cover to ensure complete peace of mind. With this option you do not have to pay a deposit and you can enjoy your hire car feeling completely reassured.

 

1. Basic hire insurance cover

At the time of pick-up, your car hire price automatically includes basic insurance cover with excess liabilities for the following:

  CDW
GROUPS B; C 1.200,00 €
GROUPS D; E; F1; F4; H; L1; L2  1.500,00 €
GROUPS E1; F3; G; H1; I; L3 1.800,00 €
GROUPS F2 ;F5 ;G2; G3; K 2.000,00 €
GROUPS G5; G6 3.000,00 €

These amounts will be held on your credit card for car hire periods of up to 7 days and will be charged for car hire periods between 8 and 28 days. These amounts correspond to the maximum amount that would be deducted if you were involved in an accident or the car were to be stolen.


If the car were to be involved in an accident or it were to suffer damages, you must fill in an accident statement (included in the car glove box) with the details of the other party involved. If you were not to do so within 48 hours after the incident, this would be considered as negligence and you shall be liable for any damages in their entirety.

2. Star insurance cover

You can reduce the excess liability to zero by paying a daily amount. Niza Cars recommends that you purchase the Star insurance cover as it includes practically all damages that could occur during the car hire period.

  CDW Price/Day Minimum Price Maximum Price
GROUPS B; C 0,00 € 15,00 € 15,00 € 225,00 €
GROUPS D; E; F1; F4; H; L1; L2 0,00 € 18,00 € 18,00 € 270,00 €
GROUPS E1; F2; F3; F5 G; G2; G3; H1; I; K; L3 0,00 € 20,00 € 20,00 € 300,00 €
GROUPS G5; G6 700,00 € 25,00 € 25,00 € 375,00 €


If you purchase this insurance, you will be charged the daily amount and you will not have to pay an excess liability. With this insurance option, you will be covered for the following concepts:

  1. Damage to the bodywork, chassis and roof.
  2. Damage to the tyres, rims and hubcaps.
  3. Damage to the windows, including the front and rear lights.
  4. Theft.
  5. Roadside assistance.
  6. Days broken down in garage.
  7. Damage to antennae, locks, clutch, engine.
  8. Refuelling errors.
  9. Fees for managing fines.
  10. Additional driver included.

3. Insurance policy summary table

  BASIC INSURANCE STAR INSURANCE
CDW Amount 1,100.00€ - 3,000.00€ 0,00€
Wheels NO YES
Windows NO YES
Hubcaps/Rims NO YES
Front/Rear lights. NO YES
Wing mirrors NO YES
Rearview mirrors NO YES
Bodywork NO YES
locks NO YES
Clutch damage NO YES
Theft NO YES
Refuelling errors NO YES
Roadside assistance According to general conditions. 0,00€
Antennae NO NO
Fees for managing fines 30,00€ 0,00€
Minor breakdown* 60,00€ 0,00€
Average breakdown* 150,00€ 0,00€
Major breakdown* 210,00€ 0,00€
Grace time 1 hour 2 hours
Additional driver 7,00€/día 0,00€

* Added to the amount for the damage caused.

4. The following is not covered by any insurance policy

  1. Damage to third parties or to the car due to negligence.
  2. Lost child seat, warning triangle, high-visibility vests, car documentation, repair kit; aerials and locks..
  3. Speeding and parking fines.
  4. Driving under the effects of alcohol/drugs.
  5. Transporting illegal substances and animals.
  6. Loss of and damage to car keys.
  7. Damages or burns to seats.
  8. Damages to the engine due to negligence.
  9. Damage caused by driving on unsuitable roads.
  10. Theft with keys left in the car.
  11. Theft of personal belongings inside the car.

Services and extras

1. Full at pick-up - full at drop-off

This service's features are:

  1. When you pick up the car, its tank will be full of fuel. You must return the car with a full tank.
  2. If you do not return the car with a full tank, you will be charged based on eighths of the tanks consumed.
  3. There is no service charge for this service.
  4. When you pick up the car, the cost of the fuel will be held on your credit card.

Below is a table with the minimum and maximum charges that will be held on your card.

Petrol models

  PRECIO MÍNIMO PRECIO MÁXIMO
GROUP C Skoda Fabia/Opel Corsa 5p 60,00 € 80,00 €
GROUP D Audi A1 Sportback 60,00 € 80,00 €
GROUP D1 Mini Cooper 3 puertas 60,00 € 80,00 €
GROUP E Skoda Spaceback 70,00 € 90,00 €
GROUP E1 Nissan Qashqai 70,00 € 90,00 €
GROUP E2 BMW Serie 1 manual 70,00 € 70,00 €
GROUP F1 Opel Corsa Automática 60,00 € 80,00 €
GROUP F2 BMW X1 Automático 70,00 € 90,00 €
GROUP F3 BMW Serie 1 Automático 70,00 € 90,00 €
GROUP G BMW X1 Manual 70,00 € 90,00 €
GROUP G2 Serie 2 Gran Tourer 5+2 70,00 € 90,00 €
GROUP H Volkswagen Caddy 70,00 € 90,00 €
GROUP K Opel Vivaro 9 pax 100,00 € 130,00 €
GROUP L1 Mini Cooper 5 puertas 60,00 € 80,00 €

 

2. Other extras available

  PRICE PER DAY MINIMUM CHARGE MAXIMUM CHARGE
ADDITIONAL INSURANCE TO DRIVE IN PORTUGAL*1 9,00 € 27,00 € 135,00 €
YOUNG DRIVER SURCHARGE (21 - 24 YEARS OLD, INCLUSIVE) 7,00 € 21,00 € 91,00 €
POSSESSION OF DRIVING LICENCE BETWEEN 1 AND 4 YEARS, INCLUSIVE 7,00 € 21,00 € 91,00 €
BABY SEAT (0- 9KG) 7,00 € 21,00 € 91,00 €
BABY SEAT (5- 18KG) 7,00 € 21,00 € 91,00 €
BOOSTER SEAT 7,00 € 21,00 € 91,00 €
ADDITIONAL DRIVER 7,00 € 21,00 € 91,00 €

 

  PRICE PER SERVICE
LATE RETURN FEE*2 30,00 €
SPECIAL CLEANING 90,00 €
OUT OF OFFICE HOURS*3 40,00 €
FEE FOR MANAGING FINES 30,00 €
FEE FOR MANAGING ACCIDENT STATEMENT*4 30,00 €
LOST DOCUMENTATION 30,00 €
TOWING CAR CHARGE. From 90,00 € to 400 €

*1 At the time of pick-up, you must inform us if you are planning to drive in Portugal and pay the additional insurance costs. If you were not to do so, you will be excluded from any insurance cover.

*2 You have a 1-hour grace period (2 hours if you purchase the STAR insurance). Once you exceed this period, you will be charged €30.00 + full-day rate.

*3 Out of office hours are between 10 pm and 7 am.

*4 You shall be charged this amount if the car were to be involved in an accident and you do not provide a correctly filled in accident statement.

3. Restrictions

  1. Our hire cars are not authorised to leave the Peninsula (Spain and Portugal). If you would like to drive in Portugal, you must purchase an additional insurance policy.
  2. Charges shall be made in EUR, and therefore, Niza Cars does not hold itself liable for possible commissions that may be applied by your bank.
  3. If the card holder name were to be different to the booking name, you must purchase the STAR insurance.
  4. Animals are not permitted to travel in our hire cars. Travelling with animals in the car shall be considered as negligence and you shall lose any insurance cover purchased and shall be charged the Special Cleaning fee.
  5. Smoking is not permitted in our hire cars. If you were to smoke in the hire car, you shall be charged a Special Cleaning fee of €90.00.