Uptown cars Loader

Insurance

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Uptown Rent A Car LLC offers additional protection products that you can purchase along with your rental vehicle. Currently, we offer our customers Damage Waiver, Supplemental Liability Protection and Roadside Assistance Protection. Please see below for more information and the cost associated with our insurance and protection products.

DEFINITIONS

For the purposes of this document we have given the following words or expressions particular meaning:

Abnormal use: means that your use of the Vehicle whilst you are in charge of it doesn’t comply with the Road Traffic laws that prevail and/or does not meet with the requirements of the Local Rental terms and conditions and/or does not meet with the standards of driving that would be expected of a reasonable and prudent driver

Accident Report (“declaration ’accident”): means a full and complete signed statement (including any other document(s)) which records all of the facts of an accident or incident as they occurred (for example, how the event occurred, the nature of the damage to the Vehicle, the location where the incident took place, the dates and circumstances and any potential witness details)

Collision means the impact of the Vehicle with another fixed or moving body or object.

Excess amount is a specified sum of money that, provided you have complied with the Local Rental terms and conditions and have not committed a breach of any applicable laws, is the maximum amount we will charge you for the cost of any damage caused to the Vehicle as a result of a collision during the rental period or its attempted theft; or the loss of a Vehicle if it is written off because it is irreparable or if it is stolen and we do not get it back. The Excess amount is a non-waivable sum that is governed by the conditions of the protection product you have purchased.

Basic Protection is complimentary insurance, which comes with all our vehicle rental. Terms and conditions as follow

Mandatory third party liability insurance provisions:

We are mandated by the laws of all of the countries in which we operate our vehicle rental services to insure our Vehicles against liability for the claims or actions of Third Parties. We have purchased the best Third Party Liability insurance from the foremost insurers in the business and it is automatically included as part of our vehicle rental services. You will therefore, as a matter of course, be covered up to the level legally required by the country in which you are renting the Vehicle for the consequences others may suffer as a direct result of your actions whilst you are driving the Vehicle. What am I covered for?

As provided by law you will be insured against liability for the financial cost of any of the following consequences that may arise as a result of an incident that you cause when you are using the Vehicle:

• Bodily injury or death suffered by Third Parties; and property damage sustained by Third Parties and losses and costs arising as a consequence of the damage.

What is excluded from the cover?

Third Party Liability insurance does not cover:

• Bodily injury or death that you (the driver at the time of the collision) may suffer; or any damage to or loss of your personal property or possessions; or any damage caused to the Vehicle

What is the amount of my financial exposure for Third Party Liability?

Provided you have not committed a breach of any applicable laws (including any relevant road traffic regulations) then you will be covered for the financial cost of any Third Party Liability arising as the result of a collision that you may cause whilst you are driving the Vehicle up to the level legally required by the country in which you are renting the Vehicle.

However, if you didn’t comply with those laws and/or regulations then, whilst our insurer will still fulfill its obligations to Third Parties under the Third Party Liability insurance policy, it may seek to recover from you some or all of the costs it may have paid to that Third Party as a result of the incident.

How to notify us?

In circumstances involving Third Parties it is important that you do your utmost to properly complete and sign an Accident Report (“Constat d’accident”) form which gives us all relevant details of both the incident and of the Third Party. This will allow us to defend our case against the Third Party (if you are responsible for the incident) or to recover costs from the Third Party (if the Third Party is responsible for the incident). The Accident Report form should be transmitted to us within 5 working days of the incident or as soon as you reasonably can in the circumstances.

Special Protection is additional insurance packagewe offer our customers which includes Collision damage protection , Theft protection, Glass - lights and Tyre protection and Assistance plus protection.

COLLISION DAMAGE PROTECTION:

Our collision damage protection product limits your financial exposure for damage caused to the Vehicle whilst it is in your care. If you purchase our standard collision damage protection product and comply with the applicable laws and the Local Rental terms and conditions then we will pay for the cost of damage to the Vehicle that exceeds the Excess amount. You can reduce or eliminate the Excess amount by purchasing our premium/or medium collision damage protection products instead of the standard collision damage protection offering.

What does this protect me against?

This product protects you from liability for any amount greater than the Excess amount for the following combined costs related to:

• The cost of damage to or repair of the Vehicle or its book value if it is not repairable and must be written off; and
• Our Loss of Use in the Vehicle whilst it is being repaired and / or written off; and in circumstances where:
• You collide with a fixed or moving object; or
• The Vehicle is subject to an act of vandalism while you are driving or using it; or
• Any glass (including sunroofs or panoramic roofs) or lights or reflectors are damaged or broken or tyres are damaged or punctured during a collision
• Natural Catastrophes: you will be covered for the consequences of event qualifying as natural catastrophes as defined under UAE law. An excess, which is determined by Decree, will still be payable by the renter.
What is excluded from the protection?

• You will be financially liable for the full cost of the damage to the Vehicle if the damage is caused

By the wilful acts of the driver; or by an explosion or fire in (or to) the Vehicle because you are using it to transport dangerous goods (dangerous goods being any product or substance that, due to its nature and/ or main characteristics, is reasonably considered to be dangerous and which, if not transported with appropriate caution and safety, could cause harm to the Vehicle, and to any Third Party within a reasonable distance of the Vehicle) by its total or partial theft or an act of vandalism whilst the Vehicle is left parked unattended. by your negligence (which is behaviour that falls below the standards expected of a reasonably sensible person in similar circumstances) or the negligence of your Passengers (for example but not limited to a fire caused by the use or disposal of cigarettes or cigars).
Loss of or damage to your own property that is being transported or kept in or on the Vehicle during the rental period

What must I do to benefit from the protection?

You must:
• Purchase the protection;
• Comply with Local Rental terms and conditions and all applicable law and local traffic regulation when you are driving the Vehicle;
• Notify us within 4 hours of the date on which the incident took place. You must also return to us a full and complete Accident Report and/or any other document, which you believe will be useful in support of it.

Theft protection

Our theft protection products limit your financial exposure for loss of the Vehicle if it is stolen or if it is damaged because it is subject to an attempted theft or the Vehicle is subject to an act of vandalism whilst the Vehicle is left parked unattended during your rental. If you have purchased this product then, provided you have complied with the Local Rental terms and conditions, we will pay for the costs arising from the theft, attempted theft, or act of vandalism that are greater than the Excess amount. You can reduce or eliminate the Excess amount by purchasing our premium or/medium theft protection products instead of the theft protection offering.
What am I protected against?

This product protects you from liability for any amount greater than the Excess amount for the following combined costs related to:

• Cost of damage or repair of the Vehicle (if it is recovered) or the book value of the Vehicle if it is lost
• Our Loss of Use in the Vehicle whilst it is being repaired and / or written off; in circumstances of:
• Theft of the Vehicle and any accessories following an occurrence of breaking and entering (accessories being any standard component incorporated in or on the Vehicle by the Constructor)
• Attempted theft of the Vehicle and of any accessories
• Act of vandalism to the Vehicle whilst it is stationary and left unattended by you
• Any glass or lights or reflectors that may be damaged or broken or Tyres that are damaged or punctured as a result of the theft or the attempted theft
What is excluded from the protection?

The product will not protect you in the following circumstances:

• If the Vehicle is stolen or damaged because of your negligence or more specifically (but without limitation) as a result of keys being left in the Vehicle whilst it is unattended or having been delivered to an unauthorized person; your failure to use the anti-theft system appropriately, any failure by you to return the keys to us or if you left the Vehicle unlocked when you weren’t using it;
• Theft of or damage to personal and / or work related goods or possessions and any goods being transported in or on the Vehicle.
What must I do to benefit from the cover?

You must:

• Purchase the product;
• Comply with Local Rental terms and conditions as they apply to the theft or potential theft of a Vehicle
• Notify the local police of any incident or event immediately or as soon as is reasonably practicable and provide us with the police report or evidence that the theft has been notified to the police.
• Notify the pick up Uptown Rent A Car LLC of the theft and return the keys.
• Notify us at pick up station, within 4 hours of the time you discover the Vehicle is missing and forward the keys to us at the place you picked the Vehicle up.
These are the minimum requirements.

What is the amount of my financial exposure?

If, during your rental, the Vehicle is stolen or is damaged in an attempted theft or due to vandalism and you have not purchased this protection product then you will be liable for the full cost of the damage to the Vehicle (if the Vehicle is recovered) or for the full Book value of the Vehicle if it is not recovered as well as compensation for the Loss of Use calculated according to the daily rental rate contracted by you multiplied by the number of days that the Vehicle has been stolen.

With theft protection, provided you have complied with the Local Rental terms and conditions, then the maximum you will have to pay us is the Excess amount.

Glass, lights and Tyre protection

This protection product will apply to any damage that occurs to glass (excluding sunroofs or panoramic roofs), lights or tyres in circumstances of normal use of the Vehicle during your rental.

If, and only if, such damage occurs as a result of a collision then the cost to repair or replace glass (including sunroofs or panoramic roofs), lights or tyres will be covered by the collision damage protection

What am I protected against?

If you have purchased this product you will be protected against the financial liability for damage to:

• Vehicle windscreen; or any side or rear windows; or
• Vehicle lenses (reflection of light) and lights; or
• Rear view mirrors (the glassware only – not the housing)
that are in or on the Vehicle if the damage occurs during your rental

• Damage to tyres on the Vehicle unless it arises from any abnormal use (see definition on page 1) you may make of the Vehicle

What am I not protected against?
You are not protected under this product:
• Against the financial liability for damage to the Vehicle if it arises because of willful acts or negligence that you commit whilst using the Vehicle and which causes damage: or for any damage to sunroofs or panoramic roofs; or for the theft, fire or vandalism
• For the administration costs we incur in handling any damage file.

What must I do to benefit from the Protection?

You must:
• Purchase it
• Comply with Local Rental terms and conditions, all applicable laws and local traffic regulations when driving the Vehicle,
• Notify us within 4 hours of the date on which the incident took place and . You must also return to us a full and complete signed Accident Report or any other document which relates all of the facts as they occurred (nature of damage to the Vehicle, the location where the incident took place, the dates and circumstances and the potential witness details). You may, of course, include any other document you believe will be useful in support of your Accident Report.
What is the amount of my financial liability?

If during your rental any glass or lights on the Vehicle are broken and / or any tyres on the Vehicle are damaged and you have not purchased this protection then you will be liable for the full cost of the damage that is incurred by us.

If, however, you purchase this glass, lights and tyre protection by it one or in the context of the “Premium” package (and provided you have complied with the Local Rental terms and conditions and the applicable laws and road traffic regulations) then you will have no financial liability for such damage.

If you purchase this glass, lights and tyre protection in the context of the “Medium” package (provided you have complied with the Local Rental terms and conditions and the applicable laws and road traffic regulations), then the maximum you will have to pay us is the Excess amount.

Assistance plus protection

For the duration of the rental, you have the benefit at no extra cost of a 24/7 breakdown and assistance service regarding the use of the vehicle.

Breakdowns caused by you or as a result of using the wrong fuel or for fuel failures, breakage or loss of the Vehicle's keys, as well as punctures and/or damage to tyres, battery failure are excluded from the scope of the free service and will be subject to a flat charge

Our Assistance Plus protection product limits your financial exposure for these flat charges in such circumstances. If you purchase our Assistance Plus protection product and comply with the applicable laws and the Local Rental terms and conditions then we will pay for the cost of damage to the Vehicle that exceeds the Excess amount. You can at a daily cost exclude such flat charges by purchasing our protection product.

What am I protected against?

This product protects you from liability for any flat charges in the following circumstances of:
• Fuel failures or errors
• Breakage or loss of the Vehicle’s Keys
• Punctures and / or deterioration of tires
• Battery Failure (discharged battery)
What am I not protected against?

I am not protected against:
• The breakage of the engine due to battery failure or wrong fuel
• for the administration costs we incur in handling any damage file.
What must I do to benefit from the Protection?

You must:
• Purchase it
• Comply with Local Rental terms and conditions, all applicable laws and local traffic regulations when driving the Vehicle,

• When one of the circumstances described above happens during your rental you have to contact our Assistance Service the following number +971 4 3623817 or +971 526 192 9292.

What is the amount of my financial liability?

If during your rental you have a fuel failures or errors, Breakage or loss of the Vehicle’s Keys, Punctures and / or deterioration of tires, Battery Failure and you have not purchased this protection then you will be liable for flat charges for our assistance and breakdown service. If you purchase this Assistance Plus Protection and provided that you have contacted our Service Assistance to the exclusion of any other service, you will not pay such flat charges.



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