Cover is a choice you make at checkout
Every car comes with third-party liability. That is the legal minimum and it covers damage you cause to other people and their property. It does nothing for the car you are driving, which is what the other three levels exist to address.
You pick the level during booking rather than at the handover, and the choice you make changes the deposit as well as the cover. Minimum is what applies if you select nothing, so a booking left alone is a booking on the thinnest cover with a deposit held.
The four levels
Minimum is third-party liability only. There is no collision cover and no glass or wheel cover, and a deposit is held. It is available on every car in the pool.
Basic adds collision damage cover, limited, and is the point at which damage to your own car starts being covered at all. Glass and wheels are still excluded and a deposit is still held. It is offered on 356 cars.
Full Coverage moves up to SuperCDW, still limited, and adds glass and wheel cover along with limited driver liability. A deposit is held. It is offered on 305 cars.
Full Coverage Plus is the top level, offered on 254 cars. Collision cover is full rather than limited, glass and wheels are included, there is no driver liability for accident damage, and crucially no deposit is held at all. It is the level marked as recommended in the booking flow.
What "limited" means on the middle tiers
Two of the four levels describe their collision cover as limited, and it is worth being clear about what that word is doing. Basic carries limited CDW and Full Coverage carries limited SuperCDW, which means damage to your own vehicle is covered but not to the full value: a portion remains yours. Full Coverage Plus is the only level where collision cover is full rather than limited, and the only one where there is no driver liability for accident damage.
That distinction is the real difference between the tiers, more than the glass and wheel line. Moving from Basic to Full Coverage buys you glass, wheels and a better collision position; moving to Full Coverage Plus removes the remaining exposure and the deposit together.
How the deposit follows the cover
The deposit is not a separate product you negotiate. It is a consequence of the level you choose and the car you choose. Three of the four levels hold one; Full Coverage Plus does not.
Separately from the tier, the car itself matters: 47 cars are rented with no deposit at all and a further 124 offer no deposit as a paid service. Where a deposit is held, the accepted method varies per vehicle, with cash accepted on 366 cars, debit card on 132 and credit card on 138. If you are travelling without a credit card, that per-car line is the one to check, because paying for the hire itself is rarely the constraint.
Why glass and wheels matter here
On a lot of European trips glass and wheel cover is a footnote. On Montenegrin roads it is the exclusion most likely to matter. The coast road is well surfaced but carries grit and chippings through the shoulder seasons, and the inland routes toward Lovcen and the north are older, narrower and rougher at the edges.
Glass and wheel cover starts at Full Coverage. If your itinerary is entirely the flat run between Tivat, Kotor and Budva, the lower levels are a more reasonable gamble than they would be if you are heading for the mountains.
Choosing for the trip you are actually doing
A short coastal stay in a small car with careful parking is the case where the lower tiers make sense. A longer trip, an inland route, a bigger car in narrow old-town lanes, or a driver who would rather not think about it at all is the case for the upper two.
The no-deposit property of Full Coverage Plus is worth weighing on its own terms, separately from the cover. If a held deposit would be awkward on your card or in cash while travelling, the top tier removes that question entirely, and for some travellers that is the deciding factor rather than the collision terms. Which cars carry which tier is shown on each listing, and the classes available are on the fleet page.
Whether a given car can be booked for a one-way drop-off is stated on its own listing, in the same place as its cover tiers.
Who is allowed to drive the car
Choosing a cover level does not settle who is allowed to drive the car. That is decided by the vehicle, not by the tier. Driver age and minimum driving experience vary per car and are stated on each listing, and the lowest experience requirement anywhere in the pool is one year. A car can suit your dates, your budget and your route and still be the wrong car for the licence in your pocket, so read that line on the listing before you spend time comparing tiers on it. If the driver is young or recently licensed, check it first, before the tier, because the requirement belongs to the car and narrows the pool you are choosing from. There is no point comparing cover levels on a car whose stated requirement the driver does not meet. The listing is the authority on both figures, and neither of them moves because you upgrade the cover.
What this page does not settle
Cover prices are set per car by the supplier and shown at checkout for your actual dates, which is why no figures appear here: a number written on a page goes stale and then contradicts the booking flow. The same applies to the optional extras that sit alongside cover, such as personal accident insurance and theft protection.
Anything not described above belongs to the rental agreement you sign at handover, and that document is the authority on it rather than this page. If a specific exclusion matters to your trip, read it there before you drive away.
Common questions about cover
What happens if I choose nothing?
Minimum applies. That is third-party liability only, with no collision, glass or wheel cover, and a deposit held. If you want anything more, it has to be selected during booking.
Which level has no deposit?
Full Coverage Plus, on the 254 cars that offer it. The other three levels hold a deposit. Separately, 47 cars are rented with no deposit regardless of tier, and a further 124 offer no deposit as a paid service.
Is a windscreen chip covered?
Only from Full Coverage upward. Minimum and Basic both exclude glass and wheels, which on Montenegrin roads is the exclusion most likely to be tested.
Can I add a second driver?
A second driver is written into the contract on 375 cars. Whether it costs anything varies by vehicle: included on some and chargeable on others, and the listing states which before you book.
Does cover extend across the border?
Crossing borders is a separate permission from the cover level. It comes in three tiers: neighbouring countries excluding Albania and Kosovo on 272 cars, the same set including them on 149, and a wider set reaching more distant countries on 207. Pick the tier that matches your route when you book. Which countries a car is permitted to enter, and the document that has to travel with it, are covered under border tiers and the Green Card.
Can I change the level after booking?
The level is chosen during booking, so the reliable moment to get it right is before you confirm rather than at the handover. If your plans change materially, the cancellation terms are what apply, and free cancellation is offered on 176 cars.