At Liberta Car Rental Mauritius, your safety and peace of mind come first.
When renting a car, understanding your insurance options is crucial to avoid unexpected expenses and enjoy a worry-free experience. We offer two levels of protection: Comprehensive All-Risk Insurance and our enhanced Liberta Premium Coverage (SCDW) — and knowing the difference can help you make the best choice for your trip.

🛡️ What Is Comprehensive All-Risk Insurance?

Comprehensive All-Risk Insurance is our standard insurance cover, designed to protect you against major risks and accidents while driving in Mauritius. It offers a solid safety net, but there are still a few situations where you might have to pay out of pocket.

⚖️ No-Fault Accident

If you’re involved in an accident and you are not at fault, you pay nothing.
Our insurance covers the full cost of damages when the responsibility lies with another driver. This ensures you can continue your trip stress-free while the claim is processed with the third party.

⚠️ At-Fault Accident

If you are responsible for an accident, you only pay the insurance excess fee, which varies between:

MUR 25,000 (approx. €500) to
MUR 100,000 (approx. €2,000) depending on the car model.

Example:
If the total damage amounts to MUR 100,000, you will only pay the agreed excess (e.g. MUR 25,000), and the insurance will cover the rest.

This cap protects you from paying the full repair costs, but you still risk a large one-time expense.

🛠️ Minor Damages

For smaller damages below the excess amount, you are responsible for:

The repair costs
Plus one extra day of rental

Example:
If you scratch a bumper and repairs cost MUR 10,000 (€200), you pay that amount + one day’s rental fee.

This policy applies to damages like scratches, dents, or small paintwork issues.

🚫 Insurance Exclusions – What’s Not Covered

Certain damages are not included in the Comprehensive All-Risk Insurance:

Lost or damaged keys
Tires and rims
Broken windows and side mirrors
Interior damage (stains, burns, tears)
Damages caused by driving under the influence (DUI) or gross negligence

These exclusions can still result in significant unexpected costs for the renter.

🔑 Key Loss & Vehicle Immobilization

Losing or damaging the car key can immobilize the vehicle and create serious disruption.
If a key is lost or damaged, the renter is liable for:

Replacement cost: MUR 25,000–75,000 (€500–€1,500)
Plus any immobilization fees incurred during the replacement process

🧰 Payable Intervention Services

For non-vehicle-related issues or negligence, an intervention fee applies:

Unlocking car due to lost/forgotten keys: MUR 2,500 (€50)
Delivering a replacement key: MUR 1,500–3,500 (€30–€70) (depending on location)
Jumpstarting after a drained battery (lights/electronics left on): MUR 2,500 (€50)
Refueling if returned with insufficient fuel: Fuel cost + MUR 500 (€10) service fee
Any other non-standard roadside help: MUR [service-based fee]

Note: These fees are separate from rental charges and must be paid immediately upon service delivery.

💎 Liberta Premium Coverage (SCDW) – Full Insurance Cover

For those who want complete protection with zero risk, we offer Liberta Premium Coverage (SCDW) — our Full Insurance Cover.
It’s the ultimate peace of mind while exploring Mauritius.

💰 Zero Excess – No Out-of-Pocket Expenses

Completely waives the standard insurance excess (up to MUR 100,000)
You pay nothing, even if you are at fault
All damages are fully covered — from major collisions to minor scratches

Example:
If damages amount to MUR 100,000, you pay zero rupees under the Premium Coverage.

🛡️ All-Inclusive Protection

With Liberta Premium Coverage, everything is covered, including:

Keys, tires, rims, mirrors, windscreens, and windows
Bumpers, body panels, and trim
Underbody and mechanical components
Minor interior stains or scratches
Misfuelling (complete drain and refill)
Natural disasters (cyclone debris, floods, falling branches)
VIP priority hotline access
Zero admin fees, zero credit card holds

Exclusions apply only in cases of DUI, racing, or gross negligence.

🚨 24/7 Roadside Assistance for Any Mishap

With SCDW, you get round-the-clock VIP roadside support:

Key locked inside? We’ll unlock or deliver a spare for free
Flat tire or dead battery? We’ll fix or replace it on the spot
Out of fuel? We’ll come to you with fuel at no charge
Immediate intervention anywhere on the island

This means zero disruption to your holiday or business schedule.

💸 Why Premium Coverage Is Worth It

✅ Save Money & Hassle

Avoid costly repairs that can reach tens of thousands of rupees
No lengthy paperwork or drawn-out claims
One small daily fee often costs less than one minor repair

✅ Enjoy Your Trip Without Worry

Focus on your vacation or work trip, not the “what-ifs”
Perfect for families, couples, or solo travelers
Drive with confidence on any road — from scenic backroads to busy city streets

📋 Quick Comparison Table

Feature	Comprehensive All-Risk	Liberta Premium Coverage (SCDW)
Insurance Excess	MUR 25,000–50,000	Zero
Minor Damages	Repair cost + 1 day rental	Covered
Lost/Damaged Keys	Not covered	Covered
Tires, Mirrors, Windows	Not covered	Covered
Interior Damage	Not covered	Covered
Roadside Assistance (standard)	Limited (fees apply)	Unlimited & Free 24/7
Administrative Fees	May apply	Zero admin fees
Peace of Mind	Partial	Full – Total Protection

✨ Conclusion: Choose the Coverage That Matches Your Comfort Level

At Liberta Car Rental, our goal is to give you freedom with heart — and full protection.
If you’re comfortable with some risk and want to lower your upfront cost, our Comprehensive All-Risk Insurance provides strong protection for major incidents.

But if you want absolute peace of mind and zero risk of surprise expenses, our Liberta Premium Coverage (SCDW) is the smartest investment for your journey.

Because your trip should be about creating memories — not worrying about bills.

📍 About Liberta Car Rental – Mauritius

🚗 Based in Grand Baie, Mauritius
🌍 Serving Mauritians, tourists, business travelers & companies
🔒 24/7 roadside assistance
📧 [email protected] | 📱 WhatsApp: +23052502897