Rental Guide
Rental Car Insurance: All Risk vs Total Loss Only
Insurance determines who pays when there is damage. Understand the difference between All Risk and TLO, and the questions to ask your rental company.
Contents
When renting a car, it is important to know what insurance covers the vehicle. The two most common types are All Risk and TLO (Total Loss Only).
All Risk insurance
Covers minor to major damage, including scratches, dents and accident damage, in line with the policy terms.
TLO insurance
Only covers the car if it is stolen or suffers total damage above a set percentage. Minor damage is usually not covered.
Comparison
| Aspect | All Risk | TLO |
|---|---|---|
| Scratches and dents | Usually covered | Not covered |
| Major damage | Covered | Only if a total loss |
| Theft | Covered | Covered |
Questions for the rental company
- What type of insurance does the vehicle have?
- Is there an own-risk amount when claiming?
- What are the policy exclusions?
At Medan Rent Car
The entire Medan Rent Car fleet is covered by comprehensive All Risk insurance. When renting with a driver, operational responsibility lies with the rental company, so passengers can travel with peace of mind.
Need help choosing?
Check available vehicles on the reservation page, or read the complete Medan car rental guide for a comparison of rates and rental requirements.
Frequently asked questions
What is the difference between All Risk and TLO insurance?
All Risk usually covers minor to major damage, while TLO only covers theft or total loss.
Are Medan Rent Car vehicles insured?
Yes, the entire fleet is covered by comprehensive All Risk insurance.
