Collision Damage Insurance
Collision Damage Insurance (CDI), also called Collision Damage Waiver (CDW), is practically always included with the cost of a rental car in Turkey. It covers damages to the rental car, with a deductible that you will have to pay before the insurance pays. If you pay a higher premium, you can eliminate the deductible and have the insurance cover all fees involved. CDW does not cover damage to headlights, tires, or the windshield.
Headlights, Tires, and Windscreen
You can also buy additional insurance to cover the headlights, tires and windscreen (windshield), or you can have these repaired at your own cost and return the repaired car. Car repairs like this are cheaper in Turkey than they are in the UK and European countries, and in many cases, installation is free.
Personal Accident/Injury (PAI)
Basically another word for medical insurance, PAI covers your doctor and hospital bills in case of an accident. It may also cover you for loss of limbs, sight, or other permanent injuries. If you have medical insurance, review your plan to see what you are already covered for, and if it covers you in Turkey. In many cases you can decline this coverage.
PAI doesn't cover medical evacuation or trip cancellation. And it only covers you for those costs not already covered by an existing insurance plan. You can get trip cancellation insurance, which also covers medical evacuation, by searching locally or on the Internet for trip insurance.
Third Party Liability Insurance
Covers for damage to other vehicles or people. This is usually the minimum required by law and included in the rental agreement and price.
If your rental car is stolen, theft insurance pays the rental fees until the car is found. The limit is 30 days. It is usually already included in the rental agreement and price.
For damages caused by fire. This is usually included in the rental agreement and price.
Loss of Use
If you have an accident, and render the car unusable, you are liable to pay the rental car agency for the loss of their use of the rental car to make an income. Loss of use insurance covers this liability.
Coverage With Your Credit Card
If you use your credit card, you may be covered for some amount of rental car insurance, even trip cancellation. Check your credit card contract to see what it already covers, or call your credit card company and ask.
Your insurance will be void under the following conditions:
- Are drunk or on drugs while driving
- Are speeding
- Don't report the accident to the police and have a copy of the police report
- Misuse or neglect the car
- Allow another person to drive the car if they are not designated as an additional driver
- Have an accident while driving outside of Turkey
Different rental car companies have different policies. The above is only a guideline of what you can expect while renting a car in Turkey. Be sure to read the insurance coverage explanations on the back of your confirmation voucher or other documentation to know exactly what is covered, and for how much.
If you already have car insurance, you may already be covered for some of the above contingencies when you rent a car. But if you file a claim on your own company policy, you will likely face higher deductibles for the next few years. If you opt for the rental car insurance, you won't have to worry about higher car insurance premiums if you have an accident.
Cars are very expensive in Turkey. Even if you are renting the same car in Turkey that you have at home, the Turkish rental car may have up to three times the value of your car back home, and your insurance company may not pay the entire cost of repairs since it is based on your personal car's value, not a Turkish rental car.
In the end, it is probably a safer bet to get the insurance coverage offered by the car rental company, and use that instead.
Car Rental in Turkey: A guide to renting a car in Turkey.
Driving in Turkey: A guide for safe driving while in Turkey.
Cars, Car Insurance, and Driving in Turkey Forum: If you have questions or comments about cars or driving in Turkey, please post them in our forum.