Every car you rent in Montenegro comes with third-party cover by law, and you can add more protection on top at the time of booking. This page explains the tiers, what each one includes, and how the [deposit works](/no-deposit-car-rental), so you can pick the right level before you travel. Rates for each tier are shown live at checkout.
The cover tiers
Minimum
- Third-party liability cover
- Damage to your own car
- Glass and wheel damage
- Standard deposit held
Basic
- Third-party liability
- Collision damage waiver, with an excess
- Glass and wheel damage
- Deposit held
Full Coverage
- Third-party liability
- Full cover with limited driver liability
- Deposit held
Full Coverage Plus
- Third-party liability
- Full damage cover, no deductible
- No driver liability for accident damage
- No deposit to hold
Live prices for each tier are shown as you book.
Free cancellation on many cars
What no tier covers
- Driving under the influence of alcohol or drugs
- Damage from off-road or prohibited routes
- Interior damage, lost keys or wrong fuel (usually chargeable)
- Driving without the agreed cover or an unlisted driver at the wheel
Rental rules worth knowing
- A full driving licence held for the qualifying period is required.
- Age and driving experience requirements vary by car, so set your real age in the search.
- Return the car with the agreed fuel level to avoid a refuelling charge.
- A second driver can be added to the agreement; they must meet the same age and experience requirements, and the supplier charges an extra-driver fee at pickup.
- Cross-border trips need the supplier informed and the cross-border fee arranged in advance.
Why cover matters on Montenegro roads
Montenegro's coast and mountain roads are beautiful but demanding: narrow lanes, tight switchbacks, busy summer traffic and the odd unlit tunnel. Minor scrapes in tight car parks and on village streets are the most common claims, which is exactly what the higher tiers are designed to take the worry out of.
If you are driving the Lovcen serpentines, the Tara canyon roads or simply parking daily in crowded resorts, the extra protection is usually worth paying for. Choose the level that matches where you plan to drive.
Choose your cover and drive
Pick the tier that suits your trip and your appetite for risk, and confirm the live rate at checkout. Whichever you choose, you drive away with third-party cover as a minimum and the keys in your hand.
Insurance and deposit FAQ
Quick answers on what is covered, deposits, no-deposit options, young drivers and cross-border cover. Cover, deposit and cross-border options are all chosen at checkout, so you can see the cost before you commit.
What insurance is included with a Montenegro car rental?
Third-party liability cover (Minimum) is free on every booking. Collision cover starts with the Basic tier; each car shows which tiers it offers and their prices. Theft protection is a separate option on some cars.
What is the difference between the tiers?
Basic adds a collision damage waiver (CDW); Full Coverage adds SuperCDW with limited driver liability. Check each car's deductible, as it varies. Full Coverage Plus has no deductible and no deposit. Theft protection is a separate option on some cars.
How does the deposit work?
Where a deposit applies it is paid at pickup, in cash on many cars or by card on others, and returned after the car comes back in order. No-deposit listings avoid it altogether.
Can I rent without a deposit?
Yes. Filter for no-deposit cars, or choose the Full Coverage Plus tier, which removes the deposit.
Is cross-border cover included?
No. Taking the car into another country needs the supplier informed and the cross-border fee arranged in advance.
Live prices and availability for your exact dates.