• Mon - Sat 8.00 - 18.00
  • Pastor Diaz Ave, Jaco, Puntarenas, Costa Rica
  • +(506) 6307 6241

Insurance Coverage and Roadside Assistance


When we first arrived in Costa Rica, we were just as perplexed by the array of insurance options as you might be. Sorting through their benefits, coverage details, and exorbitant costs left us scratching our heads. Adding to the confusion, major car rental agencies often obscure or misrepresent the true coverage and expenses associated with their insurance plans.

However, we believe that transparency is key. We want you to experience the beauty of Costa Rica without any unnecessary stress. It’s essential to be aware that when using aggregator sites like Expedia, insurance coverage is often omitted from the initial quotes. This can lead to unexpected surprises and significant extra charges when you reach the rental counter. We’ve heard stories from countless travelers who have faced these last-minute hassles.

At Jaco Car Rental, we take a different approach. Our commitment to providing a seamless and enjoyable experience begins with upfront, all-inclusive rates. Our comprehensive insurance options are fully integrated into the quoted price, ensuring that you have a clear understanding of what’s covered and what’s not. We believe in making your journey through Costa Rica as smooth as its stunning landscapes, and that starts with transparent insurance and honest pricing.

Supplemental Liability Insurance (SLI)

Discover the beauty of Costa Rica with an added layer of protection that goes beyond the ordinary. Our comprehensive Supplemental Liability Insurance (SLI) is not just an option – it’s mandated by the Costa Rican government to ensure your safety and peace of mind, and is included in all our quotes and agreements.

This coverage shields you from third-party liabilities, safeguarding against injuries to bystanders and damages to third-party property. Whether you’re navigating urban streets or exploring scenic routes, SLI ensures you can explore with confidence, knowing you’re fully covered.

Cannot be selected separately, without either CDW or TPP coverage.

Collision Damage Waiver (CDW)

Indulge in worry-free exploration with our essential Collision Damage Waiver (CDW). This mandatory coverage is included in all our quotes and agreements, providing you with comprehensive protection from the moment you hit the road. 

CDW not only relieves you and authorized additional drivers of responsibility for any loss of, or damage to, the rental vehicle, but it also encompasses the benefits of SLI coverage – safeguarding you from third-party liabilities. Additionally, CDW provides emergency medical coverage in the unlikely event of a serious accident.

Please note that CDW does not cover certain items like the stereo system, windshield, windows, tires, wheels, roof racks, loss of car keys, and damages to the vehicle’s body or interior, except in collision cases. 

In case of tire punctures or blowouts, the renter is responsible for repair or replacement, if repair is not possible. Typical tire repair costs around $10. We kindly ask that retread or second-hand tires are not used on our rental cars, and tires should match those on the opposite side.

  • Policy Deductible with CDW: $700
  • Security Deposit with CDW: $700

Total Protection Plus (TPP)

Experience ultimate peace of mind by opting for our Total Protection Plus (TPP) coverage. With TPP, you’re securing more than just a rental vehicle – you’re ensuring a worry-free journey from start to finish. Priced at only $25 per day, TPP offers an extensive safety net that goes beyond CDW. This comprehensive option covers the stereo system, windshield, windows, tires, wheels, roof racks, and even the loss of car keys. It’s your all-inclusive shield against unexpected challenges on the road.

Much like our CDW coverage, TPP also encompasses SLI and emergency medical coverage. Enjoy a worry-free experience with a $0 deductible for damages or theft (excluding cases of negligence), ensuring that you’re covered when you need it most.

Whether you’re exploring the vibrant streets of Costa Rica or venturing into its breathtaking landscapes, TPP ensures you’re equipped to handle any situation that comes your way.

Please bear in mind that TPP is exclusively available for rentals spanning a minimum of 7 days. Regrettably, this coverage option does not extend to camper rentals.

  • Policy Deductible with TPP: $0
  • Security Deposit with TPP: $200

Camper Rentals

Embark on your overland adventure with confidence, knowing that our Collision Damage Waiver (CDW) insurance coverage provides protection for the rental vehicle. This mandatory coverage ensures that you’re covered in case of unforeseen incidents.

Please be aware that rooftop tents and camping equipment are not covered by the insurance policy. In the event of any damages to the camping gear, whether caused by an accident or not, the associated charges will be deducted from the security deposit.

  • Policy Deductible with CDW for Campers: $1000
  • Security Deposit with CDW for Campers: $1000


At Jaco Car Rental, we want to ensure your peace of mind while exploring Costa Rica. Unlike in some regions, where credit card insurance is commonly accepted, we prioritize your security by including Collision Damage Waiver (CDW) coverage in all our quotes. Here’s why:

  • Comprehensive Protection: We don’t rely on credit card insurance, which means we include CDW coverage to safeguard you from unexpected expenses due to damages, providing you with a worry-free adventure.
  • Streamlined Experience: Our approach simplifies the rental process. You won’t need to navigate complex reimbursement procedures or worry about potential out-of-pocket costs for repairs.
  • Enhanced Confidence: By including CDW, your security deposit remains reasonable, allowing you to allocate your budget toward unforgettable experiences in Costa Rica, without the need for excessive deposits.

Furthermore, our dedication to providing you with exceptional value sets us apart. Not only does our comprehensive pricing include CDW coverage, but it often proves to be more competitive than some of our counterparts’ rates without CDW. Ask for a quote and compare!

At Jaco Car Rental, we’re committed to enhancing your Costa Rican experience and ensuring your journey is as exceptional as the destination itself. Your unforgettable adventure begins with us.


Ensuring the effectiveness of your insurance coverage is pivotal for a secure and worry-free journey. Please be aware that insurance protection may become void, and the renter could assume full responsibility for any damages incurred to the vehicle if:

  • The designated driver is not authorized by Jaco Car Rental.
  • The vehicle is operated in contravention of Costa Rican laws and regulations.
  • The driver operates the vehicle while under the influence of alcohol or any illegal substances, including cannabis.
  • Accidents or damages result from reckless driving, navigating poorly maintained roads, or venturing onto riverbeds, estuaries, or beaches.
  • In case of an accident, the driver fails to present an accident report issued by local Transit authorities and/or an accident summary from the Insurance Inspector.

This understanding will ensure your insurance coverage remains intact, providing you with the security and support you expect while exploring the stunning landscapes of Costa Rica.


At Jaco Car Rental, your safety and satisfaction are our top priorities. We offer comprehensive roadside assistance and vehicle care services to ensure your journey through Costa Rica is smooth, worry-free, and enjoyable.

Flat Tire Solutions: Our rental vehicles come equipped with a spare tire and all the necessary tools for changing a flat tire. If you prefer assistance, our responsive roadside team is ready to help. Depending on your location, response times vary, ranging from 30-60 minutes in well-connected towns to slightly longer periods in more remote areas.

Battery Boost and Replacement: Facing battery issues? Our vehicles include battery booster cables for quick boosts. If you prefer not to handle it yourself, our roadside assistance can also provide the necessary boost with the same prompt response time as for a flat tire. In case of need for battery replacement, we’ll coordinate with local battery shops to provide a hassle-free solution. 

Roadside Emergency Kit: Each vehicle features a basic emergency kit, ensuring you’re equipped to handle unexpected situations during your travels.

Maintenance and Vehicle Care: We take vehicle maintenance seriously and have a network of affiliated service shops across Costa Rica. In the rare instance of a problem, we aim to have it resolved within 24 hours. If needed, we’ll provide a replacement vehicle to keep you on the move.

Direct Payment for Repairs: To provide you with peace of mind, we offer direct payment for repairs at participating service stations. This means you won’t need to pay anything out of pocket and deal with reimbursement processes. We’re here to streamline your experience and ensure that you can focus on enjoying your journey without unnecessary stress.

Travel with Confidence: With Jaco Car Rental, you’ll never be stranded on the side of the road. Our dedicated team is here to support you, ensuring a worry-free and unforgettable exploration of Costa Rica. Your journey is important to us, and we’re committed to making it exceptional in every way.

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