The difference between BASIC and SILVER & GOLD insurance

Every car we rent out is covered by compulsory third-party liability insurance — if you cause an accident, our insurer covers the damage to the other party. On top of that, every rental already includes BASIC insurance for the car itself, with a deductible (the amount you’d pay out of pocket) that depends on the vehicle class. We recommend upgrading to SILVER or GOLD, which reduce or remove that deductible for damage and theft.

If you’re relying on insurance from a third party — for example, a credit card benefit or your own insurance policy — you’ll still need to pay CarLove directly for any damage first, then claim reimbursement from your own provider afterwards. A SILVER or GOLD upgrade reduces the deductible you’d need to cover in the meantime.

Deductible by vehicle class

This is the maximum amount you’re responsible for if the car is damaged or stolen. SILVER removes the damage deductible; GOLD removes both the damage and theft deductible.

What each plan covers

These extras apply regardless of vehicle class.

1. Tires — if a tire can’t be repaired, both tires on the same axle must be replaced (clause 9.2 of the General Terms and Conditions).
2. Theft — the car keys and registration documents must stay with the renter at all times. This coverage doesn’t apply if the vehicle is stolen because the keys or documents were left inside the car or lost.
3. Interior — heavy soiling that requires professional cleaning: from 1000 CZK. Burnt or otherwise damaged upholstery: from 5000 CZK.
4. Fuel system — for example, refuelling with the wrong fuel type. On top of the cost of cleaning and repairing the fuel system, a fine of 15,000–20,000 CZK applies.