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Renting a car in Costa Rica is a great way to explore the country in complete freedom. However, understanding the insurance available is key to avoiding surprises and driving with peace of mind. In this guide, we explain what insurance is mandatory for renting a car in Costa Rica, what is optional, and what additional coverage you might want to consider to protect your trip.
Mandatory Insurance for Renting a Car in Costa Rica In Costa Rica, the law requires that all rental vehicles have liability insurance. This insurance is mandatory and cannot be declined.
- Third Party Liability Insurance (SLI)
- Covers damage to third parties in the event of an accident.
- Does not cover damage to the rented vehicle or the driver.
- The amount of coverage may vary depending on the rental company.
Optional and Recommended Insurance: Although liability insurance is mandatory, there are additional options that can provide you with greater protection and peace of mind.
- Collision Damage Waiver (CDW)
- Reduces financial liability in case of damage to the rental vehicle.
- Generally has a deductible, although some companies offer full waiver options.
- Does not cover damage due to negligence or breach of contract.
- Theft Protection (TP)
- Covers total theft of the vehicle.
- Does not cover personal items inside the car.
- May include a deductible depending on the rental company.
- Supplemental Protection Plan (SPP)
- Increases the amount of liability coverage.
- Recommended if you are looking for greater protection in case of serious accidents.
- Roadside Assistance (RSA)
- Provides support in case of flat tires, dead battery, loss of keys or lack of fuel.
- Some agencies include it at no cost, others offer it as an additional service.
Is additional insurance necessary if I have insurance with my credit card? Some credit cards offer coverage for car rentals, but it is important to check the terms and conditions:
- Make sure the coverage applies in Costa Rica.
- Confirm whether it covers only vehicle damage or also civil liability.
- In most cases, to use this benefit it is necessary to decline the rental company’s CDW.
Renting a car in Costa Rica is a great option to travel around the country comfortably, but understanding the insurance available is key to a safe and smooth trip. Make sure you know what coverage is included in your rental and choose the options that best suit your needs.
Ready to drive without worries? Book with Rioja Rent A Car and enjoy the trip with the best protection. We have a large fleet of the latest model 4×4 vehicles! You can book by writing to our WhatsApp https://wa.me/50683780479
We are the best way to travel in Costa Rica!
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