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Car Insurance in Montenegro

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Compulsory car insurance in Montenegro. It covers all types of rental car damage, if it didn’t happen by the driver’s fault, including all third-party liabilities in case of an accident. When accident happens by the lease holder’s fault, the driver is responsible for the rental car damages only.

The most popular form of insurance for rental cars in Montenegro is the compulsory third-party liability insurance.

Full comprehensive car insurance

Covers not only all rental car damages, but also all third-party liabilities and damages irregardless of the driver’s fault.

If a deductible amount (deposit) is present, the lease holder is responsible for the rental car damages anyway. The liability cannot exceed the deposit amount. If the damages exceed the deposit amount, the lease holder loses only the deposited amount, and the insurance company pays the rest. If the damage is less than the deposited amount, it’s deducted from the deposit, and the remainder is returned to the lease holder.

The deposit is accepted in cash, or a corresponding amount is locked at the lease holder’s credit card account when the rental car is handed over. When the lease is over, if the car is not damaged, the deposit is returned to the lease holder in full.

Theft insurance is rare in Montenegro. Many insurance companies don’t even offer it. Crime rate in Montenegro is rather low. Often, at parkings or yards you can see cars with doors open for ventilation.

You can buy additional insurance for a rental car in Montenegro only if there’s such an option in your rental agreement. As a rule, there is none.

When insurance event happens, call your rental company manager first! All other actions and calls should be done only at his or her advice. The manager will help you to resolve this issue with minimal loss.



Compulsory and comprehensive insurance don’t cover tire and front windshield damage. The insurance company doesn’t cover any expenses if the driver was intoxicated during the accident. The driver’s blood alcohol should be at acceptable levels during the police test.

Insurance won’t be paid without an infringement notice, issued by the police on site.


As a rule, deposit is collected for cars with compulsory insurance. In this case, the deposit is the deductible amount. We’ve covered this case above.
With compulsory insurance, the deposit is used rarely. Sometimes, a small amount is collected to ensure the customer is in capacity to pay. When the car is returned, the fuel might be low, you can exceed the rent time, etc. In this case, the expenses are deducted from the deposit. Roughly speaking, the rental companies protect themselves from inconsiderate customers: ‘Oh, we have no money left’.

Choosing the Insurance

At first sight, comprehensive insurance is much better. Still, sometimes that’s not the case. About 80% of rental car incidents are small and insignificant. There are two reasons for that. First, traffic in Montenegro is very calm and relaxed. Rarely the speed exceeds 80 km/h. Second, most tourists, duly beware of Montenegrin serpentine roads, drive slowly and carefully. That’s why most often it’s simply scratches, chipped bumpers or lights. Such types of damage rarely cost more than €200-500.

If the car has compulsory insurance, the lease holder pays for the damages only when the accident is his or her fault. If the car has comprehensive insurance with a deposit (usually that’s the case with comprehensive insurance), the lease holder is accountable by the amount deposited. It doesn’t matter if the lease holder caused the accident. Therefore, the lease holder has more chances to lose a few hundred euros with comprehensive insurance.  Still, if the damages are significant and repairs are costly, comprehensive insurance will save you a lot of money.

Considering all this, most rental companies choose compulsory insurance for their cars. Besides, it allows for lower rates.

1 Comment
  1. We are looking for a car rental firm who will deliver to our hotel, Holiday Village, Ulcinj, for a two day rental 3rd and 4th of October. We are looking to pay cash upon receipt of the vehicle.

    Kind regard, Mrs. Carol Brown

  2. I booked a Toyota Land Cruiser to be picked up in Podgorica Airport in Montenegro on 8/18 at 2;30pm. I have not gotten a conformation from you but you have charged my credit card for $204. Please either confirm the vehicle I wlll have no choice but to call my credit card and cancel the order or report it as fraud.


  3. The worst car rental agency, avoid at all costs

  4. Earlier today I filled out the form for rental for one of your cars, a Suzuki. I also can see there’s a reserved 20€ payment on my MasterCard. But I have not receivere a voucher or confimation. I’d like to have an explanation,, sincerly Bjorn Saatvedt

    • Hiello again,

      Never mind my last inquery. I found the mail with the voucher in the junk mail box. Apparently the spam filter directed it there. So everything is on track. Thanks.

  5. Hi,

    I’m looking to book the Toyota Land Cruiser Prado between the dates of 17th (12:00 collection) – 21st (9:00 drop off) July. Is it possible to reserve this car and pay in cash??

    With thanks,


  6. My brother suggested I might like this blog. He was once entirely right.

    This submit actually made my day. You cann’t believe just how a
    lot time I had spent for this info! Thanks!

  7. Im writing because I want to know if it will prossible to rent one of your cars and cross the border to get into Albania

    Best wishes

  8. Asking questions are in fact nice thing if you are not understanding anything entirely,
    but this article provides good understanding yet.

  9. Do you need a credit card to hire? Or is a cash deposit okay? How much on average is the deposit. Thank youv

  10. Wow! In the end I got a website from where I be able to truly obtain helpful information concerning my study
    and knowledge.

  11. Useful info. Lucky me I found your web site accidentally, and I’m stunned why this coincidence did not came
    about in advance! I bookmarked it.

  12. Hello! I am only 20 years old, is there is a chance that there is going to be some sort of problem when I book a car?

    • Greetings! In Montenegro, according to the law, the tenant must be at least 21 years old.

  13. Hi! Is the amount of the deposit which is displayed on the calculator, is applicable to the entire period of booking or it just for one day?

    • The amount of the deposit is shown for the entire booking period, not just for one day.

  14. Tell me please, how can I change car pick-up time?

    • Hello there! After you made a booking, you’ll receive an e-mail with a voucher. Reply to this e-mail with all the changes you want to make to your booking, including pick-up time. My colleagues will make all of the adjustments and will send you a new voucher.

  15. Could you please tell me, is it possible to return a car in Germany?

    • Hello there! Unfortunately, you can pick-up or drop off a car only in Montenegro.

  16. Is CDW included in the final price or you need to pay an extra fee for it?

    • In the description of every car, you can find all the information about the type of insurance. Sometimes CDW is provided as an additional option for some amount of money.
      But there are cars that have only SCDW (Super Collision Damage Waiver) or only TPL (third party liability insurance), and it is impossible to change the type of insurance, even for an extra fee. Please check all the information in the description very carefully. You can also use the advanced search in order to find a car with a desired type of insurance.

  17. Is it possible to pick up a car in Tivat, and return it to the city of Bar?

    • Hello! Yes of course. In our widget, in the green search panel, there are two headings “Pick-up” and “Drop off”. You just need to specify the desired city, and you will get all the available options.

  18. Hello there! How do I find the rental manager at the airport?

    • Greetings! The rental company manager will meet you with a nameplate in the arrival area.

  19. *There is noticeably a bundle to know about this. I assume you made certain nice points in features also.

  20. Excellent experience and beautiful country. I booked a car with you for the first time and don’t regret.

  21. Why not get payment by card? Rather uncomfortable though all other is ok. The car is ok and booking easy but can have problems with cash.

    • Hello! You actually can pay by your card, but, unfortunately, not for all of the cars. If it is absolutely necessary for you to pay by card, and you have no other options, please contact our support team on our website. Our managers will help you pick a car with the option to pay by card

  22. I looked through a lot of offers and it was difficult to make a choice. I can say I like your service. Easy to book, easy to get the car. No problems with getting back the deposition. Hope to meet next time I get to Montenegro.

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Kirill Antoshin
DOO "Kvanto Company", Jadranski put bb, Budva, 85310 Montenegro
Reg.number CRPS: 5-0624930/002
E-mail: info@auto-travel.me