All Omancarhire.com vehicles include insurance coverage compliant with Omani law. Every booking includes Third-Party Liability (TPL), Collision Damage Waiver (CDW), and Theft Protection. Optional upgrades extend coverage and reduce liability as outlined in the package table above.

CDW (Collision Damage Waiver) limits your financial responsibility in case of damage to the rental vehicle due to a collision or accident. When CDW is included, the renter’s liability is capped at the excess amount specified in the selected protection package.

Covers:- Collision-related damage to the vehicle body and structure - Damage caused by another vehicle or stationary object - Damage caused by vandalism or attempted theft (with police report) - Damage occurring while driving on approved off-road routes - Repairs up to the vehicle’s market value, subject to the chosen excess limit.

Does Not Cover:- Tires, glass, or undercarriage damage (unless included in FDW) - Negligent or reckless driving - Driving under the influence of alcohol or drugs - Prohibited areas such as deep sand dunes, water crossings, or unapproved off-road tracks - Loss of vehicle keys or misfuelling.

Example: If you select the Basic Protection plan and cause damage of OMR 1,000, you pay only the OMR 500 excess. The insurance covers the remaining OMR 500 once a valid police report is provided.

SCDW (Super Collision Damage Waiver) offers all the benefits of CDW but reduces the renter’s financial liability by lowering the excess amount. It’s designed for customers seeking peace of mind without paying a premium for full coverage.

Covers:- All items covered under CDW - Theft protection and third-party liability - Off-road coverage on approved routes.

Key Difference from CDW:- Reduced excess: from OMR 500 → OMR 300 - No coverage for tyres, windscreen, or undercarriage - Same exclusions apply as CDW.

Example:- If the vehicle sustains OMR 2,000 in damages, you are liable only for OMR 300 under SCDW instead of OMR 500 under CDW.

FDW (Full Damage Waiver) provides the highest level of protection and is included in the Adventurer Package. It eliminates all excess charges, offering complete peace of mind for on-road and approved offroad travel.

Covers:- Everything included in CDW and SCDW - Full Tyres, windscreen, and undercarriage protection - Damage caused while driving on approved off-road routes (including gravel, rocky paths, and light sand) - Vehicle recovery from off-road areas up to 50 km from the nearest paved road.

Does Not Cover:- Reckless off-road driving or deliberate misuse - Deep-sand dune bashing or water immersion - Driving under the influence of alcohol or drugs - Negligence or violation of rental agreement terms .

Key Difference from SCDW:- Zero excess renter pays nothing in case of an incident (with valid police report) - Additional off-road and component protection – covers areas SCDW and CDW exclude - Includes recovery and towing service for off-road incidents (within 50 km).

Example:- A Jeep Wrangler sustains OMR 2,000 in off-road suspension and underbody damage. Under FDW, the renter pays OMR 0. Oman Car Hire covers the full repair cost once a police report and vehicle inspection are completed.

Theft Protection limits your liability if the rental vehicle is stolen or damaged in an attempted theft. With TP, you pay only up to your excess amount. Personal belongings inside the vehicle are not covered.

Third-Party Liability insurance is mandatory and included in all rentals. It covers damage to third-party property or injury to third parties caused by the rental vehicle. TPL does not cover the rental vehicle itself or the renter’s medical expenses.

All 4x4 rentals include off-road coverage for approved routes. Approved routes include recognised mountain, wadi, and coastal tracks. Non-approved routes include: mountain road between Bilad Salt and Shortfet Al Alamin & Bar Al Hickman Area & The Salmah Plateau. Deep-sand dune bashing, water crossings, and reckless off-road driving are not covered. Recovery beyond 50 km from paved roads may incur additional towing fees.

No package covers damage resulting from:-

• Driving under the influence of alcohol or drugs
• Negligence or reckless driving
• Unauthorized drivers not listed on the rental agreement
• Use of the vehicle in racing, dune bashing, or towing
• Loss or damage to personal belongings
• Damage resulting from misuse of clutch or gearbox
• Water damage to the vehicle engine or electrical system

24/7 roadside assistance is provided across Oman. In the event of breakdown or accident, contact OmanCarHire immediately. For Adventurer Package customers, off-road recovery is included within 50 km of paved roads.

All accidents, thefts, or damages must be reported to OmanCarHire and local police immediately. Failure to obtain a police report may void insurance coverage.

UAE Cross-Border Insurance: Allows legal and insured travel into the UAE (see table above).