VEHICLE INSURANCE (BASIC CDW) – NOT FULL COVERAGE:
This is a form of partial insurance coverage that relieves the renter of liability—either total or partial (specifically for amounts exceeding the deductible, but short of a total loss of the vehicle)—for damage sustained by the rental vehicle in the event of an accident. The CDW policy covers only those damages that exceed the deductible amount.
Customer liability for the deductible (Sedan): Q 18,000 + VAT
Customer liability for the deductible (Pickup, SUV, Minibus): Q 45,000 + VAT
If the cost of damages exceeds the deductible, the customer is liable only for the deductible amount specified in the contract (based on the vehicle type), provided that the insurance coverage applies and the customer has not violated any contract terms, traffic laws, or other conditions that would invalidate coverage. In the event of such a violation or invalidation, the customer shall be liable for the full cost of vehicle repairs, as well as storage fees, loss of use, and incident-related expenses—including civil liability, damage to private property, and legal costs arising from the incident. Basic CDW insurance is optional under the following circumstances (APPLIES ONLY TO SEDANS AND SUVS):
1. The customer has purchased valid CDW insurance through the reservation platform; only policies with coverage exceeding $40,000 USD will be accepted. Any policy not meeting this coverage amount will be rejected by the car rental agency in Guatemala.
2. The customer holds CDW benefits through their credit card; the customer must provide printed documentation verifying that their card qualifies for this benefit. Digital documents or images are not accepted. The company reserves the right to accept or reject this insurance on a case-by-case basis and is under no obligation to accept any credit card-based insurance. Only VISA card insurance policies will be accepted (subject to conditions), and a security deposit of Q 20,000 will be required for any vehicle type. The customer acknowledges that vehicle parts and repairs will be handled by the brand's OFFICIAL DEALERSHIP and that damage charges will be based on the dealership's quote; under no circumstances will the customer be permitted to repair the vehicle themselves.
The customer acknowledges that, whether using platform-based or credit card insurance, they remain responsible for paying the Guatemala car rental company for any damages incurred. The company will provide the necessary documentation for the customer to submit to their insurance provider for the corresponding coverage assessment. The company providing the vehicle in Guatemala is not responsible for whether or not the customer's insurance policy provides coverage; the company's role is limited to collecting payment for vehicle damages. Basic CDW insurance is mandatory for the following vehicle types: 4x4 pickup trucks, high-end vehicles, and 11-, 12-, or 15-passenger minibuses. (Card-based insurance or insurance purchased via third-party platforms is NOT accepted for these vehicles.)
FULL COVERAGE INSURANCE (APPLIES ONLY TO SELECTED VEHICLES)
This insurance applies only to selected vehicles and exempts the customer from liability for certain damages caused to the vehicle (minor or moderate). This insurance does not provide coverage for windows, tires, headlights, taillights, upholstery, front-end suspension, or rims. Coverage is provided for one incident only; that is, the customer is covered for a single mishap within the dates specified in the rental agreement. The customer must purchase this insurance again to regain the indicated coverage. Full coverage insurance becomes void if the customer fails to immediately report any damage caused to the vehicle. If the customer reports damage only upon returning the vehicle, they will be held fully liable for the cost of repairs; in the event of serious damage involving the deductible, the customer is responsible for paying the deductible specified in the contract for that vehicle type (Q 18,000 + VAT for sedans; Q 45,000 + VAT for pickups or SUVs). The daily cost of full coverage insurance is determined at the company's discretion, and the customer must hold an additional contract addendum stating that they possess full coverage. If the customer does not possess this document, they acknowledge that they do not have this coverage and must assume all contractual liabilities.
MANDATORY SLI INSURANCE (CIVIL LIABILITY)
This insurance provides additional protection against bodily injury, death, or damage to private property. It is mandatory for all vehicle types without exception; if the customer declines this insurance, the vehicle cannot be rented to them under any circumstances.
Insurance policies purchased by the customer—whether domestically or abroad—that include this coverage will not be accepted; only the company providing the service in Guatemala is authorized to provide this type of insurance to the customer.
This insurance will NOT provide coverage if the customer drives the vehicle under the influence of alcohol or any illicit substance, if there is any negligence regarding the contract or Guatemalan laws, if the customer allows unauthorized persons to drive the vehicle, or if the insurance does not provide coverage due to circumstances for which the customer is responsible. In such cases, the customer shall be held civilly and criminally liable for all damages caused and shall be responsible for all expenses arising from the incident, including legal fees, vehicle damage, civil liability costs, etc. Any breach of the rental agreement terms—including negligent or reckless behavior, or the renter's failure to report any incident involving the rented vehicle—will immediately void insurance coverage. The customer shall be liable for the full cost of repairs and any civil liability payments arising from the incident, as well as any legal expenses incurred.
MANDATORY PAI / MEDICAL INSURANCE
This insurance is mandatory for all vehicle types and guarantees medical care for any persons injured during an incident (restrictions apply according to the insurance policy).
INSURANCE RATE TABLE
SEDAN-TYPE VEHICLE
Basic CDW Insurance: $9.00/day + tax (Optional; restrictions apply)
SLI (Civil Liability) Insurance: $18.00/day + tax (MANDATORY)
PAI (Medical) Insurance: $9.00/day + tax (MANDATORY)
PICKUP TRUCK AND SUV
Basic CDW Insurance: $15.00/day + tax (MANDATORY)
SLI (Civil Liability) Insurance: $25.00/day + tax (MANDATORY)
PAI (Medical) Insurance: $9.00/day + tax (MANDATORY)
MINIBUS
Basic CDW Insurance: $15.00/day + tax (MANDATORY)
SLI (Civil Liability) Insurance: $25.00/day + tax (MANDATORY)
PAI (Medical) Insurance: $18.00/day + tax (MANDATORY)
FULL COVERAGE INSURANCE
Not applicable to minibuses
Daily rate (Sedan): $50.00 + SLI insurance + tax
Not applicable to pickup trucks
Daily rate SUV: $99.00 + SLI insurance + taxes
Mandatory security deposit via credit or debit card
Sedan: $500.00 to $1,335; deposit subject to restrictions based on the department, areas to be visited, and card type (credit, debit, or card brand)
Pickup and SUV: $2,000.00; deposit subject to restrictions based on the department, areas to be visited, and card type (credit, debit, or card brand)
Minibus: $2,000 to $2,500; deposit subject to restrictions based on the department, areas to be visited, and card type (credit, debit, or card brand)