What is included on every M.A.C.K. rental, what the Premium insurance (SCDW) upgrade actually does, and what insurance does NOT cover. Plain-English glossary, no fine print.
Every M.A.C.K. Montenegro rental comes with our Standard insurance, which includes Third-Party Liability (TPL, required by law), Collision Damage Waiver (CDW), and Theft Waiver (TW). With Standard insurance your bill is capped at the excess if there is damage or theft.
You can upgrade to Premium insurance (industry name SCDW). On most car groups Premium removes the excess entirely, so if there is damage you pay nothing. Luxury car groups keep a smaller residual excess.
Below: the glossary, what is included on each tier, and what is NOT covered.
| Coverage | Standard insurance | Premium insurance (SCDW) |
|---|---|---|
| Damage to other vehicles / people (TPL) | ✅ Included (required by law) | ✅ Included (required by law) |
| Breakdown assistance | ✅ Included 24/7 | ✅ Included 24/7 |
| Damage to your car (CDW) | ⚠️ Included, you pay up to the excess | ✅ Included, no excess on most car groups |
| Theft of the rental car (TW) | ⚠️ Included, you pay up to the excess | ✅ Included, no excess on most car groups |
| Tires, windshield, undercarriage | ❌ Not covered | ❌ Not covered |
| Personal items inside the car | ❌ Not covered | ❌ Not covered |
| Pay with debit card | ✅ Yes | ✅ Yes |
Honest disclosure
Two rows above are deliberately marked ❌: tires, windshield and undercarriage damage, and personal items inside the car. Most operators bury these in fine print; we surface them. Coverage for tires and windshield is available on some vehicles but not all, and it can be added either online when you book or at the desk. We also recommend keeping valuables out of the car when parked. One important legal note: for any of the insurance to apply after an accident, you need a police report and an alcohol test taken at the scene, by the local police, at the time of the incident. This is the law in Croatia and the same standard applies in Albania and Montenegro. We are upfront about it because if you skip the police report or refuse the alcohol test, the insurance can be voided entirely, the cap stops applying, and you would owe the full repair. So always call the police, even for a small bump.
Pick a car, choose your dates, and add Premium insurance at checkout if you want the lowest possible excess.
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