Gap Protection Rental Vehicle Insurance

Insurance Product Information Document

Company: Sincera Insurance AS, registered in Latvia and authorised by the Bank of Latvia

Product: Gap Protection

This document provides a summary of the cover, exclusions, and restrictions. The full Terms and Conditions of this insurance, including the general policy limits, are available in the Terms & Conditions of the insurance product.

What is this type of insurance?

Gap Protection is an optional insurance product designed to reimburse customers for certain damage-related costs arising during a car rental.

What is insured?

Windows, mirrors, lamps, wheels, tires

Roadside assistance and towing expenses directly related to assisting or transporting the damaged rental vehicle

Administrative fees related to handling the covered damage

Loss-of-use charges (loss of rental income while the vehicle is being repaired for covered damages)

Taxi expenses up to €200 directly related to the accident

Document replacement costs up to €200 following theft or accidental loss

Security deposit reimbursement if the rental company becomes bankrupt or insolvent and fails to return your security deposit

Insured amount

The maximum coverage limit is €1,000 per insurance contract, including any applicable fees or currency exchange costs.

What is not insured?

Third-party liability

Vehicle's body, interior and mechanical damage

Loss, damage, or theft of personal possessions, valuables or any extra equipment.

Cleaning costs

Unforeseeable or uncontrollable events such as war, revolution, terrorism, strikes, as well as natural disasters such as hail, floods, hurricanes, earthquakes, etc.

Damages that occurred if you did not comply with the terms of your rental agreement, caused by your gross negligence or malicious intent

Accommodation costs, meals, missed events or any other out-of-pocket expenses

Legal, litigation, or collection costs

Reimbursement for unused rental days, losses related to a no-show

Fines or penalties, including those for driving without required documents following their theft or accidental loss

Loss or retention of the security deposit for reasons unrelated to bankruptcy

Are there any restrictions on cover?

Coverage does not apply to damages or losses that occurred outside the coverage period specified in the insurance policy.

Insurance claims cannot exceed the Insured amount.

Your name must appear on the rental agreement. Other drivers listed in the rental agreement are also covered.

Where am I covered?

You are covered in the countries or regions where the use of the rental vehicle is permitted under your rental agreement.

What are my obligations?

You must provide accurate and complete information when concluding the contract, as well as when submitting a claim.

You must comply with all terms of the rental agreement.

You must notify the police if a third party is involved in the accident or if required by the rental agreement.

You must inform us of any event that might lead to a claim as soon as possible, and not later than 90 days from returning the rental vehicle.

When and how do I pay?

You pay a single insurance premium. The payment will be charged using the same method you used to complete your car rental booking.

When does the cover start and end?

You are covered for the period shown in your insurance policy, starting when you pick up the rental vehicle and ending when you return it, as stated in your rental agreement.

How do I cancel the contract?

You can cancel the insurance at any time before collecting your rental vehicle by contacting the company through which you purchased the insurance. Refund conditions apply.

Version: GP2026001