SCDW and Full Protection car rental supplementary insurance. What is the difference ?

          Car rental these days is no longer a hassle. Whether you are traveling for leisure, work, or personal use, you can use the services of a car rental company conveniently, quickly, and with a variety of options, from car models to rental periods, whether it is daily, monthly, or with a driver.

          However, in addition to choosing the right car for your usage, another thing that customers often overlook (but is actually very important) is “Car Rental Insurance”, which helps reduce the risks and damages that may occur while using a rental car. Many people who have rented a car to drive themselves in Bangkok or traveled to other provinces may have experienced unexpected events, such as a car being scraped in a parking lot, a cracked windshield from flying rocks, or even a stolen car. If you do not purchase additional insurance, you may have to pay for a large amount of damages out of your own pocket.

          In this article, we will take you to understand the differences between popular optional insurances from our car rental shop, SCDW (Super Collision Damage Waiver) and Full Protection, how they differ, how much they are worth, and which type of insurance should you choose to suit your usage pattern.

          When renting a car, what kind of insurance should you choose to get the best value? Learn more about additional insurance from Exclusive Car Rental, a car rental Bangkok company that truly understands the needs of its customers.

Why is it important to choose insurance from a car rental company ?

• Renting a car in Bangkok or using a rental car to travel to other provinces is not just a matter of choosing a cool car or a model that you like. But one thing that should be given a lot of importance is "Car Rental Insurance" that can help you avoid unexpected expenses in the event of an accident or unexpected event.
• In many cases, customers who choose to rent a car without additional insurance often face high repair costs just because of a small scratch or even a cracked windshield from a rock on the road. Therefore, understanding the types of additional insurance becomes an “important tool” that helps you make a confident decision to rent a car and not overpay.
   

So, how many types of insurance does our Exclusive Car Rental company have ? How do they differ ?

         Most car rental shops in Thailand usually include basic insurance with every car as a requirement. It may seem like a good thing because you don't have to pay extra for it. But in reality, this basic insurance has quite a few limitations and barely covers common damages in real-world use. What are the details of the insurance that comes with our rental car? It is Type 3 insurance.

What Basic Insurance Covers :

• Accidents with a clear opposing party, where the renter is at fault, the insurance will cover the damages on the other party's side that we hit
• There is a full excess of the first damage according to the deposit amount, whether it is a small or large collision (the price depends on the deposit for each car model)

What is not covered :

• Scratches around the vehicle
• Damages inside the vehicle
• Broken glass, flat tire
• Theft or lost equipment
• Repair time caused by damage

In short : If any damage occurs to the car, the renter is responsible for the full amount of the deposit in all cases.

Additional insurance type 1 : What is SCDW insurance ? (Super Collision Damage Waiver)

          SCDW or Super Collision Damage Waiver is a popular supplementary insurance among customers who want a higher level of basic coverage than Basic Insurance, especially for collisions or scratches around the car, which often occur from parking in shopping malls / driving in the city / or unexpected situations on the road.

Highlights of SCDW insurance :

• Reduce the risk of paying for damages around the car
• No need to pay for repairs in case of scratches or collisions (under the insurance conditions)
• More economical than Full Protection insurance

What is not covered :

• Damage to the tires
• Damage to the glass
• The interior of the car is dirty or torn
• In case the car is stolen or the interior equipment is lost
• The car key is lost or damaged

Case example : Suppose you rent a car and drive yourself in Bangkok and reverse into a pillar in front of a restaurant, causing a scratch on the car. SCDW insurance will cover all damages for you.

Suitable for : Customers who are confident in driving to a certain extent, want peace of mind at a reasonable price.

Additional insurance type 2 : Full Protection insurance, covering the entire vehicle

For serious travelers or those who want to drive without worrying about minor damages, Full Protection insurance is the ultimate protection from a professional car rental shop.

Highlights of Full Protection :

• Coverage around the car, tires, glass, interior
• Protects against damage from car theft
• No need to pay extra for accidents that meet the conditions
• Reduces mental burden when using the car

Conditions not covered :

• Lost or misused keys
• Damages from severe reckless driving / drunk driving

Suitable for : Customers traveling with their families, female drivers, foreign customers, or those who want to use a car with “utmost comfort”.

By now, renters like us should understand the insurance of our car rental companies, right? Now, let’s take a look at the prices of each type of insurance for each of our rental cars. Let’s continue reading in the next section.

Comparison table of 3 types of car rental insurance prices

* Prices may change. We recommend contacting our staff for updated information. *

You can see the list of car rentals here : Car rental Bangkok prices

As a quality car rental company in Bangkok, we offer 3 main types of easy-to-understand and reasonably priced add-on insurance for customers to choose from :

• Basic Insurance – Free with every car
• SCDW – Covers scratches around the body, starting at 214 baht per day
• Full Protection – Maximum coverage, covering the whole car, tires, glass and interior, starting at 321 baht per day

Customers can inform their wishes to choose insurance during the car booking process or ask the staff for more information.

Recommendations for choosing the right insurance for you

If you are still unsure about which insurance to choose, try using this guideline :

• Short-term rental / City driving → SCDW is sufficient
• Long-distance travel / Country driving / Multiple passengers → Full Protection is the best value
• Car rental for business use / Urgent work / Don't want to take any risks → Full Protection is the answer
• Limited budget / Good driving skills / Short trips → SCDW is just the right value

Contact channels to inquire about car rental with us

LINE ID : @exclusivecar

Call : +66 21260718

E-mail : info@exclusive.co.th

Website : Car rental Bangkok

Read other articles about car rentals in Bangkok

- Car Rental Bangkok Service - How good is Toyota Altis ?

- Car rental Bangkok with Toyota Veloz, a 7-seat car that's a great value.

- Electric car rental - Maxus 9 for a 1 day trip in Bangkok

Conclusion : Additional car rental insurance is more important than you think


Renting a car to get a good experience is not just about choosing a beautiful car, cheap price or a strong promotion. But "protection" is what increases confidence and reduces problems that may occur later.

Whether you rent a car to drive yourself in Bangkok, rent a car daily or monthly, we recommend considering choosing additional insurance that suits your lifestyle to make your trip smooth from start to finish.