A customer who does not want to leave a high deposit or risk a large excess is happy to pay a little more. The Insurance module lets you offer paid packages with a rental — the more expensive the package, the lower the deposit and the excess. It is not a policy from an insurance company: it is your fee for taking over part of the damage risk yourself.
What the excess is
The excess is the most the customer pays for damage to the vehicle covered by the chosen package. A package with an excess of 0 means covered damage costs them nothing. The limit does not apply to damage caused by breaching the agreement (for example driving under the influence of alcohol). Describe the excess and what the package covers in your terms and conditions too.
Careful with the word “insurance”
Only insurers and registered intermediaries may sell insurance in the proper sense. Your package is a contractual limitation of the renter’s liability for a fee — that is why the agreement, the protocol and the invoice call it a “damage waiver package”. Do not describe the packages as an insurance policy or insurance cover in their names or benefits, and set out the excess and exclusions in your terms and conditions.
Setting it up in a few steps
In Settings → Insurance:
- Create a set — for example “Vans” or “Machines”. Only you see the set name.
- Add 1 to 4 packages to the set. For each you enter a name (e.g. BASIC, PLUS, MAX), an optional label above the name (e.g. “Recommended”), a price per day or one-off, the deposit with this package, the excess and the benefits — one per line.
- Explain benefits marked with an asterisk in the note below the packages; customers see it in small print below the cards.
- Decide whether customers may choose “No insurance”. They then leave the vehicle’s standard deposit. Without this option they must pick a package online.
- Assign the set to vehicles by ticking them under “Vehicles with this set”. Each vehicle can have one set, so different vehicle types can have different packages.
Below each set there is a preview of the cards exactly as the customer will see them (in the look of your booking page).
What the customer sees
In the online booking and in the widget on your website, after choosing a vehicle and dates, the packages appear as cards side by side — stacked on a phone. Each card shows the label, name, price, excess, deposit and benefits; the customer taps “Select”. Below the cards there is a smaller “No insurance” option (if allowed). The server adds the package price to the total, and the customer also sees the deposit they will leave at pick-up.
Insurance on office bookings
When creating a booking you pick the package in the price step — the suggested price updates immediately. In the booking detail you change or remove it in the items panel with “Choose insurance” / “Change insurance”; the price is adjusted by the difference and the change is written to the history. Once the deposit has been collected (or a payment link for it is open), the insurance can no longer be changed — the deposit follows it.
Deposit, invoice and agreement
- The booking deposit follows the package: the booking detail, payments, the guide and the deposit payment link all use the package deposit. Without a package the vehicle’s standard deposit applies.
- On the invoice the package is a separate line (“Damage waiver: PLUS”), with the number of days for a daily price.
- It gets into the agreement through the variables {{pojisteni}} (package name), {{pojisteni_cena}} and {{spoluucast}}; {{kauce}} already shows the deposit per package. A newly created default template has a sentence about insurance in the {{#pojisteni}}…{{/pojisteni}} block — it prints only for bookings with a package. Add it yourself to a template you have already saved, or replace the template with the current default in the template editor.
- In the return protocol you see the excess as the cap for deducting from the deposit for covered damage. It is information only — you decide how much to deduct.
Price list changes
A booking remembers the package as it was at the moment it was chosen — name, price, deposit, excess and benefits. Later editing or deleting a package or set does not change existing bookings.