Mobility Protection Terms and Conditions

1. Conclusion of contract

• 1.1.The insurance contract is concluded when you purchase Mobility Protection.
• 1.2.The insurance contract consists of these parts:
  • 1.2.1.These Terms and Conditions;
  • 1.2.2.Insurance policy – a confirmation of the concluded contract;
  • 1.2.3.Insurance Product Information Document (IPID) – a brief description of Mobility Protection;
  • 1.2.4.Annexes and amendments – if any.

2. What is Mobility Protection?

• 2.1.Mobility Protection is intended to cover certain travel disruption expenses if your rental vehicle breaks down or is involved in an accident during the period of your vehicle rental agreement and cannot be safely used.
• 2.2.Mobility Protection applies only where the relevant costs are not otherwise covered by the rental company, another insurer, or any other compensation source.

3. What is insured?

• 3.1.You are insured for the following proven losses under this insurance contract:
  • 3.1.1.Taxi expenses up to €500 directly related to the accident;
  • 3.1.2.Phone and internet expenses incurred to arrange assistance or reorganise travel plans following a breakdown or accident, up to €300;
  • 3.1.3.Emergency accommodation costs for one night, if getting to your accommodation was not possible due to a breakdown or accident affecting the rental vehicle, up to €500;
  • 3.1.4.A replacement rental vehicle arranged and covered by us, if the rental vehicle cannot be safely driven and the rental company is unable to provide a replacement vehicle at its own expense. Where available, a comparable vehicle (according to the ACRISS code) will be arranged until the end of your original rental agreement.
  • 3.1.5.If you do not require or we cannot provide a comparable replacement rental vehicle, reimbursement of the unused rental days, calculated proportionally based on the price stated in your Rental Agreement, and a fixed compensation of €20 for each unused rental day.

4. Insured sum

• 4.1.We will compensate you up to a maximum amount of € 3,000 per insurance contract.
• 4.2.Several insured events occurring at the same time from the same cause shall be deemed to be a single insured event.

5. What is not insured?

• 5.1.Mobility Protection does not cover the following:
  • 5.1.1.Any damage to the rental vehicle;
  • 5.1.2.Theft of the rental vehicle, extra equipment or personal possessions;
  • 5.1.3.Third-party liability;
  • 5.1.4.Losses related to a no-show;
  • 5.1.5.Losses that occurred if you did not comply with local laws or the terms of your rental agreement, caused by your gross negligence or malicious intent;
  • 5.1.6.Unforeseeable or uncontrollable events such as war, revolution, terrorism, strikes, as well as natural disasters such as hail, floods, hurricanes, earthquakes, etc.;
  • 5.1.7.Any other loss, damage, charge, fee, compensation or liability not expressly covered.

6. Who is insured?

• 6.1.When purchasing the insurance policy:
  • 6.1.1.You must be at least 18 years old.
  • 6.1.2.You must hold a current, valid driving licence.
• 6.2.You are insured if you’re authorised to drive the rental vehicle according to your vehicle rental agreement, and the vehicle is either the one listed in your agreement or a replacement provided by the rental company.
• 6.3.All additional drivers included in your vehicle rental agreement are covered with no extra charge.

7. Who is the insurer?

• This policy is issued by Insurance Joint Stock Company "Sincera Insurance" (registration number: 40203597938 and registered office at Karla Ulmana avenue 2, Riga, LV-1004, Latvia) regulated and authorized by the Bank of Latvia.

8. Who is the distributor of this insurance?

• 8.1.This policy is distributed by Joint Stock Company "Discover Car Hire" (registration number: 40103690968, registered office at Karla Ulmana avenue 2, Riga, LV-1004, Latvia) as an Ancillary Insurance Intermediary of Insurance Joint Stock Company "Sincera Insurance".
• 8.2.As an ancillary intermediary, Discover Car Hire receives a commission for each policy sold through discovercars.com. This commission is a percentage of the premium paid by the customer and is already included in the total premium amount.
• 8.3.You can easily find the register of ancillary insurance intermediaries, along with more details, here.
• 8.4.Our ancillary insurance intermediaries do not provide personal recommendations regarding the suitability of the insurance cover. If you have any doubts or questions, don’t hesitate to reach out to us.

9. What regions does the insurance policy cover, and what are the duration limits?

• 9.1.Mobility Protection applies in the countries or regions where driving is permitted under the terms of your rental agreement.
• 9.2.Mobility Protection starts and ends at the dates shown in your insurance policy.

10. Your obligations when using the rental vehicle

• 10.1.You and all authorised drivers must comply with the terms and conditions of the rental vehicle contract throughout its entire term.
• 10.2.The rental vehicle may not be used outside countries or regions defined in the rental vehicle contract.
• 10.3.When using the rental vehicle, the road traffic laws and regulations applicable at the place of use must be observed and complied with.
• 10.4.The rental vehicle may only be used by authorised drivers as permitted by the rental vehicle contract.
• 10.5.The driver of the rental vehicle must hold a valid driving licence. In addition, you must not allow the vehicle to be used by a driver who does not hold a valid driving licence.
• 10.6.The rental vehicle must not be driven by anyone who is unfit to drive the vehicle safely due to the consumption of alcohol or other intoxicating substances. You must also ensure that no such driver operates the vehicle.

11. Your obligations in the event of a claim

• 11.1.You must notify us as soon as reasonably possible (at the latest within 90 days after the occurrence of the insured event) of any insured event that may lead to a claim against us.
• 11.2.If you require assistance to secure a replacement rental vehicle under clause 3.1.4. of these Terms when the rental company was unable to provide a replacement vehicle at its own expense, you must contact the designated customer support channel as soon as reasonably possible at EU +390697639380 / GB +442045774280 so that we can arrange the replacement rental vehicle directly.
• 11.3.You must report the accident or damage to the rental vehicle to the police as soon as reasonably possible, where required by law or by the rental vehicle agreement.
• 11.4.If an authority (such as the police or public prosecutor's office) is investigating the insured event, you must inform us and keep us updated on the progress (e.g., penalty order, penalty notice) as soon as reasonably possible, even if you have already reported the claim to us.
• 11.5.You must do everything that is necessary to clarify the insured event and the scope of our obligation to pay compensation to you. In particular, you must:
  • 11.5.1.answer truthfully and completely our questions about the circumstances of the insured event, the extent of the loss and our obligation to pay. We may require that you respond to us in writing;
  • 11.5.2.provide the evidence requested by us to the extent that you can reasonably be expected to obtain it;
  • 11.5.3.follow our reasonable instructions to clarify the insured event and the claimed loss;
  • 11.5.4.allow us to investigate the circumstances of the event giving rise to the claim and our obligation to pay compensation;
  • 11.5.5.avoid and mitigate any loss or damage as far as possible when an insured event occurs.

12. How to submit a claim?

• 12.1.To initiate a Mobility Protection claim, visit SinceraInsurance.com and upload all required documents as soon as you have them available within 90 days after the insured event. Once the claim is approved, the indemnity amount will be paid to you in accordance with clause 14 of these Terms.
• 12.2.We will ask you to submit the following documentation:
  • 12.2.1.A copy of the rental contract signed when collecting the vehicle (contact the rental provider if you do not have one);
  • 12.2.2.The rental company’s vehicle condition report from both pick-up and return, if available and relevant to the claim;
  • 12.2.3.Invoice(s) for the claimed amount;
  • 12.2.4.A receipt or bank statement for payment of these charges;
  • 12.2.5.Your bank account details, including:
    • 12.2.5.1.bank name and address;
    • 12.2.5.2.account number/IBAN.
    • 12.2.5.3.SWIFT code.
    • 12.2.5.4.any additional information required for an international wire transfer.
  • 12.2.6.A detailed description of the incident (include photos or video, if available);
  • 12.2.7.Police report, if applicable;
  • 12.2.8.Any other information or documents you consider relevant to your claim or additional documents requested by the claims officer.
• 12.3.In the event that you submit incorrect or incomplete bank account details and, as a result, we incur losses due to a bank fee charged for a returned payment, we shall be entitled to deduct that fee from your indemnity amount.

13. Legal consequences of breaching your obligations

• 13.1.If you breach any of your obligations to us with malicious intent or through gross negligence before the occurrence of the insured event, the insurance contract will be terminated.
• 13.2.If you breach any of your obligations with ordinary negligence before the occurrence of the insured event, the insurance contract may be amended or the insurance indemnity reduced.
• 13.3.Our right to terminate the contract is excluded if you prove that you have not breached your obligations either with malicious intent or through gross negligence.
• 13.4.If you breach an obligation under this insurance contract or applicable law with malicious intent or gross negligence, we are released from the obligation to pay compensation.
• 13.5.In the event of a breach of your obligations due to negligence, we are entitled to reduce the compensation payable to you to the extent that your negligence contributed to the insured event.
• 13.6.If you breach an obligation to provide information or clarification after the occurrence of the insured event, we will only be fully exempt from paying compensation if you acted with malicious intent or gross negligence. If you acted with ordinary negligence, we may be partially exempt.

14. Payment of insurance indemnity

• 14.1.We are obliged to pay the insurance indemnity within 30 days from the date the decision to pay the indemnity was made. We are obliged to make a decision within 30 days of receiving all the information and documents necessary to determine the facts, circumstances, consequences of the event, and the amount of indemnity payable.
• 14.2.If we fail to take the decision within the specified period due to objective reasons, we will inform you in writing about the reasons for the delay.

15. When and for what reason can you terminate the insurance contract?

• If you cancel the insurance contract before the start of your rental vehicle contract, we will refund the insurance premium already paid.

16. When and for what reasons can we terminate your insurance contract?

• 16.1.After the occurrence of an insured event, we can terminate the contract.
• 16.2.We may terminate the contract if through ordinary negligence you fail to provide accurate and complete information necessary for proper risk assessment before the conclusion of the Mobility Protection contract and do not accept the changes we propose as a result. We may also terminate the contract if we can prove that, had we known the actual facts you failed to disclose, we would not have entered into the contract.

17. When does the premium need to be paid?

• 17.1.You will pay a single insurance premium, which will be taken from the payment card you used to make your booking.
• 17.2.If the required single premium is not paid, the insurance contract will not be valid.

18. Applicable law

• This agreement is governed and interpreted in accordance with the laws and courts of your home country within the EEA, which will have exclusive jurisdiction on any disputes between you and us, unless otherwise required by law.

19. Economic and trade sanctions

• Regardless of any other provision of this agreement, we will not provide cover or make any payment, benefit or advantage under this policy for the benefit of you, any insured or any third party if doing so would breach any applicable regulation, law or economic or trade sanction, whether by your actions or those of the insured or third party.

20. Our right to recover costs (Subrogation)

• By accepting a claim payment, you transfer to us your rights to receive compensation from third parties. If you receive any refund from the vehicle rental company or other third parties, you will transfer it to us.