Rental Insurance: What Does the All-in-One cover?

Shall I say yes to insurance or not? WITH OR WITHOUT THE ALL-IN-ONE INSURANCE?

If you do not take out our All-in-One Insurance, you will be responsible for all new damages (whether caused by accidental damage or an incident). You will also be responsible for any costs or expenses arising from a breakdown, roadside assistance, recovery, towing, etc. Damage to or punctures of wheels and tyres, as well as damage to rims, are not covered, nor is the cost of recovery or towing. The excess amount will be charged to your card on the first day. This amount will be refunded within a maximum of 72 working hours, provided that there is no new damage to the vehicle and the fuel tank is returned full.

AIRPORT RETURNS WITH AN EXCESS

If you return the car at the airport using our self-service return, we will photograph the vehicle for any damage without moving it from the place where you left it. These photographs will be considered valid evidence of the vehicle’s condition at the time of return. The customer remains responsible for the vehicle until it has been collected by one of our employees. You will receive an email if any new damage is identified.

DAMAGE DURING THE RENTAL (WITH OR WITHOUT ALL-IN-ONE INSURANCE)

If the vehicle suffers any new damage during your rental, please inform us as soon as possible so that we can arrange for any necessary replacement parts without delay. You are also required to report the damage if you have taken out our All-in-One Insurance. If you have an accident involving another vehicle or third party, you must complete a European Accident Statement (amicable accident report). Please email us at cora@motoluis.com / info@motoluis.com within a maximum of 24 hours. This reporting obligation also applies if you have taken out our All-in-One Insurance. If you fail to notify us, administration charges may apply. Please remember to attach photographs of the damage. Thank you very much! 😉

ACCIDENTS – VEHICLE REPLACEMENT

If the vehicle is no longer safe or possible to drive following an accident, Moto Luis will do everything possible to resolve the situation as quickly as possible. If you require or wish to have a replacement vehicle, you will need to pay the new rental charge based on the rate applicable at that time.

MINIMUM AGE AND DRIVING EXPERIENCE REQUIREMENTS

Cars

  • 21 years old and 2 years’ driving experience – small cars (categories A, B, B1, B3, D1, D3 and D4).
  • 23 years old and 3 years’ driving experience – medium-sized cars (categories C, CC, D6, D7, D9, E and E1).
  • 25 years old and 5 years’ driving experience – all other cars (all categories except those listed above).

Scooters

To rent a scooter, you must hold an A/A1/A2 motorbike licence, or a full Category B car licence held for at least 3 years, provided that this entitlement is valid in your country of origin. UK clients cannot ride 125cc scooters in Spain using a Category B car licence. Clients travelling from outside Europe must have an International Driving Permit (IDP) together with a driving licence that includes the relevant A, A1 or A2 motorbike category. In all cases, previous motorbike riding experience is essential. Occasional or limited experience is not considered sufficient.

EXCESS AMOUNTS

The applicable excess is charged for each incident/accident/damage:

  • €250 – scooters
  • €750 – small cars
  • €850 – medium-sized cars
  • €1,000 – Mercedes GLA, Mercedes GLB, Mini, Jeep Renegade and Peugeot 5008
  • €2,000 – all other vehicles (all categories except those listed above)

WHEN CAN I TAKE OUT THE ALL-IN-ONE INSURANCE?

  • 25 years old or more and a minimum of 3 years’ driving experience – small and medium-sized cars.
  • 30 years old or more and a minimum of 5 years’ driving experience – all other cars.

IMPORTANT: All drivers must meet the applicable age and driving experience requirements. If you book online and pay for an additional driver who does not meet the requirements, the amount paid for the additional driver will not be refunded.

ALL-IN-ONE INSURANCE (DAILY RATES)

  • €8 per day – scooters
  • €12 per day – small cars
  • €15 per day – medium-sized cars
  • €30 per day – Mercedes GLA, GLB, Mini, Jeep Renegade, Peugeot 5008 and convertibles
  • €40 per day – all other vehicles

8- & 9-SEATER VANS: If all drivers are 30 years old or more, the €2,000 excess can be reduced to €500 by paying 40 non-refundable euros per day.

NEVER COVERED BY ALL-IN-ONE INSURANCE (cars)

The All-in-One Insurance never covers the following:

  • Incorrect refuelling.
  • Loss, theft, breakage or water damage to helmets, keys or electric vehicle charging cables.
  • Locking the keys inside the vehicle.
  • Damage caused by salt water.
  • Towing following reckless or dangerous driving, or assistance on unpaved roads or roads that are unsuitable for the vehicle.
  • Taking the vehicle off the island (e.g. to Formentera).
  • Personal accident insurance for passengers (scooter rentals).
  • Scooter rentals: towing and roadside assistance are never included.

OUR RECOMMENDATIONS

We strongly recommend that you do not leave any belongings inside the vehicle. To help prevent damage to windows or locks, we recommend leaving the vehicle unlocked whenever possible. Please note that the insurance never covers personal belongings left inside the vehicle.

If you would like to understand in more detail why the excess exists and how to avoid it, read our article on the new All in One insurance.