Combined casco insurance with participation in damages

All rent-a-car vehicles are insured by third party liability (compulsory insurance in case our car damages another vehicle) and also all vehicles have combined casco insurance with participation in damages, if the damage was caused by the lessee (the client) or the unknown person during the period of rent (caught damaged while it was parked, etc.). Participation in the damage is calculated on two basis, the absolute share and the relative share of the lessee / client in the damage.

Apsolut share participation

Absolute share is the amount that a customer is obliged to pay for damage to the vehicle, and it is the ammount insurance does not cover. The amount of absolute participation is defined in the lease contract as an amount not covered by insurance (" Insurance does not cover the first 200.00 - 700.00 EUR plus TAX 20%") and is charged to the clients credit / debit card or cash deposit in case of damage.

If the damage is caused by a second vehicle, and it is its fault, you need to make a European record with all details of the accident, and all required information about the participants, photograph the accident and the place of the accident (an intersection where the traffic signs as well as both vehicles from all corners ). Also, data and phone numbers of companion or eyewitnesses are required from the site. In any case, when there is damage in contact with another vehicle, it is necessary to call the police.


Relative participation

The relative share is 10% of the current market value of the car (according to the official insurance agency's catalog) and is charged to the client in case of total damage caused by his fault.

Combined insurance covers the following risks: traffic accident (collision, impact, rolling, slipping, survival, as well as other destruction or damage to vehicles caused by sudden events under the influence of mechanical force, irrespective of the will of the insured / driver); damage caused by sudden thermal or falling off or hitting an object, fire, lightning strikes, explosions other than explosion of nuclear energy, storms, cities, snow avalanches, as well as falling of snow and ice on the vehicle, falling airplanes, manifestation or demonstration, earthquake, landslide or rupture land and wall damage of the vehicle's upholstery when providing assistance to persons injured in traffic accidents or otherwise caused damage to the secured item in order to prevent greater damage, as well as the measures undertaken to reduce the elimination of damage, flood, torrential and high water and the immersion of vehicles .

A police record is required for reporting the damage to the casualty policy (for all damages on the vehicle over 200.00 eur or 24.000 RSD). A special application is required for each harmful event, damage.

The cost of issuing the police record, as well as any other administrative costs incurred, shall be paid by the lessee or the client. The cost of issuing new registration plates, traffic licenses, registration stickers and green cards is not covered by insurance and this cost is borne by the lessee / client.

The lessee / client is not covered by combined casco insurance in the following cases:

a) If unauthorized person to operates / uses the car ( person not on the rental contract). b) If operates a vehicle under the influence of alcohol or drugs.
c) If he was driving at an unadjusted speed / over speeding or out of the asphalt road.
d) If he has violated the traffic regulations and laws of the country where the incident occurred.
e) Unacceptable handling of the vehicle.
f) If the vehicle is parked outside the intended parking space.
g) If it transfers building materials, flammable liquids, liquids that leave unpleasant odors, chemicals, etc.
h) If he loses the keys and documents, or if the car is stolen as a result of a loss of keys.

Terms and conditions in case of damage to the rented vehicle (CDW):

Rent-a-car vehicle is insured for a) Third party liability, b) comprehensive (combined casco) insurance with a relative and absolute liability. Absolute liability which is paid by the renter is amounting as per signed rental agreement (300-400-500-700 € plus tax 20%) and the relative liability amounts 10% of the assessed damage to the vehicle from an insurance company or car rental agent. ZIM Rent a car or the insurance company have the right to increase the percentage of the relative liability of the client up to 100% if the damage occurred due to speeding and violation of traffic laws, driving under the influence of alcohol, etc.

The Renter can avoid this liability by taking CCI (complete cover insurance ) the only condition is that there are no violations of laws of the Republic of Serbia. All damages that occur in the vehicle interior, tires, on the vehicle undercarriage, car keys and alarm ARE NOT covered by the insurance, and in case of loss or damage the renter pays 100% of the value. Additional insurance is paid separately and free the renterer from any responsibility for the damages done to ZIM Rent a car. CCI - Complete Cover Insurance Additional CCI insurance is paid separately, per rental period, by paying: 75.00 Eur + VAT, for car groups AB, B, C and CA. For groups D, DA, Dsw, E, F , FA, Fd and Fsw - 95.00 Eur + tax. For groups G, Gd, Gsw and V, Va, Vd 7 + 1/8 + 1 - 115.00 € + tax per rental period ( max.30 days). The listed prices are valid for the rental period of 30 days.

Supplement for the next 15 days is + 50%, and the supplement for the next 30 days is 100%. The discount on short-term leases (1-6 days) is 10%. Any other and any subsequent damages will be charged separately, per participation for a certain category, which amount to 300.00 € / 400.00 € / 500.00 € / 700.00 €, in Rsd, using the official exchange rate of NBS plus VAT tax 20%. CCI insurance is valid for one damage report (one harmful event with mandatory police record if the damage is greater than 24,000 rsd or 200,00 eur). Valid for one damage report (one harmful event) during the rental period. ZIM Rent a Car is not obligated to provide a replacement vehicle if the lessee damages the rent car with his own fault, or if there is damage to the engine / traction / wheels and the like. Damages caused by poor driving or negligence when driving are not covered by insurance, nor by additional insurance (CCI).

Vehicle theft:

In case of car theft the renter is obliged to pay 100% of the vehicle’s catalogue price, except if the theft is reported to the nearest police station and possessed a police report of the event, the vehicle’s license and the original keys, in that case the renterer pays only 10% of the vehicle’s catalogue value.

The renter is obliged to always lock the vehicle and activate the alarm or a mechanic protection (Zeder system), when the rented vehicle is parked, and to keep the vehicle’s license with him or her. Loss of vehicle documents, license plates is not covered by the insurance.

Additional insurance for theft (TP) :

Frees the renter from the liability of 10% of the vehicle’s value in case of theft. It is paid separately and frees the renter from all financial responsibilities under the condition that the renter possesses a written police report, the original keys and the vehicle’s license. The price of the additional insurance vary from categories and the period of rental.