8 Self-Drive Car Rental Tips for India: Things to Know Before Booking

3. Understand Insurance and Liability

Insurance is the most important part of any rental. Ask whether the car carries mandatory third-party coverage and whether comprehensive insurance is included. Find out what the deductible or excess amount will be if you file a claim. Some operators offer zero-depreciation or damage waivers for an extra fee; these reduce your out-of-pocket costs for dents and scratches. Confirm who pays for repair estimates and whether accidental damage while driving on rough or restricted roads is covered. If an accident happens, the company should guide the FIR, insurer contact and local procedures. Never assume damages are fully covered — get clear, written statements about liability limits. If the policy name and insurer details aren’t on the rental agreement, ask for documentation before you drive away. That clarity protects both your pocket and your peace of mind.