When it comes to renting a car in Cuba, one of the least understood items by customers is the mandatory comprehensive insurance. Often confused with the security deposit, it's seen as an extra cost, but it's actually essential coverage that protects the driver from almost all risks.
In this article, we explain exactly what it covers, how much it costs, what's not included, and why it's required by law.
What is Mandatory Comprehensive Insurance in Cuba?
The comprehensive insurance (or CDW – Collision Damage Waiver) is mandatory full coverage applied to all car rental contracts in Cuba, regardless of the agency or vehicle type.
It is not optional, it is non-refundable, and it is added to the base cost of the rental.
Is It an Additional Cost? Yes, but Always Included in the Contract
- The price of the comprehensive insurance is never included in the security deposit
- It is automatically added to the daily rental rate
- You cannot refuse it
- The amount varies by car category but averages between 15 and 30 EUR per day
Even if you never use the insurance, the cost is never returned.
What Does the Mandatory Comprehensive Insurance Cover?
The mandatory insurance covers:
- Damage to the rented vehicle, even if caused by an accident
- Total or partial theft of the vehicle
- Third-party liability
- Towing and roadside assistance costs
- Repairs in case of breakdown or accident, even if you are at fault
If the customer causes an accident, they will not have to pay for any damages: everything is covered by the mandatory comprehensive insurance.
What Does the Comprehensive Insurance NOT Cover?
There are only three main exceptions:
- Tires: in case of theft, the customer must pay for them
- Car Radio: if stolen, it is not covered
- Driving under the influence of alcohol or drugs: in this case, the entire insurance policy is voided
That's why it's important to:
- Always park in safe and guarded places
- Do not leave valuables visible inside the car
- Drive responsibly
What the Official Transtur Contract Says
According to the terms published on https://www.transtur.net/
“El cliente queda exento del pago de cualquier daño o pérdida al vehículo, salvo en los casos siguientes: robo de neumáticos, radio, uso del vehículo bajo efecto del alcohol o drogas, y conducción negligente.”
Translated: The client is exempt from payment for any damage or loss to the vehicle, except in the following cases:
- theft of tires
- theft of the car radio
- use of the vehicle under the influence of alcohol or drugs
- negligent driving
Frequently Asked Questions (FAQ)
Can I refuse the insurance?
No. It is mandatory and tied to the contract.
Is it just third-party liability?
No. It is a full comprehensive (CDW) coverage.
Does it cover me even if I'm at fault?
Yes. Even in case of liability, the insurance fully covers the damages.
If I park on the street and a tire is stolen, do I pay?
Yes. Tires are not covered.
What if I hit a pole or scratch the bodywork?
No problem: the comprehensive insurance covers all structural damage.
Is the security deposit also used for damages?
No. The security deposit and the insurance are two different things. (We will cover this in the next article).
Watch Out for Common Mistakes
- Thinking the insurance is refundable
- Confusing the security deposit with the insurance
- Leaving the car unattended on the street
- Not reading the contract before signing
Why is Comprehensive Insurance in Cuba Useful?
Because:
- The roads can have potholes, animals, and unexpected hazards
- In case of an accident, you pay nothing
- Even if you are responsible, you are protected
- It frees you from stress, unexpected events, and legal disputes
Book with Transparency with CUBACenter
With CUBACenter:
- You receive full details of the insurance before you travel
- You get assistance in English via WhatsApp
- You know exactly what is included and what is not
Additionally, you receive a pre-departure reminder with clear rules and practical tips.
Conclusion
The mandatory comprehensive insurance in Cuba is not a useless expense, but a total and real coverage that protects you in all circumstances.
- It is non-refundable, but it's worth every penny
- It protects you even in an at-fault accident
- It saves you from unforeseen expenses or unexpected claims
Want a transparent and protected booking? Email us at info@cubacenter.com or visit www.cubacenter.com.
