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Protection & Incidents

Managing incidents & accidents

How old do I have to be to book a car on Tuuggo?

Trips with a peer-to-peer host

  • To book a trip on Tuuggo, you must be at least 21 years old and have at least 2 years of driver’s license.

Insurance & protection plans

Comprehensive rental insurance (Tuuggo – Caravela)

Our partner Caravela Seguros is one of the most recognized insurers in mobility in Portugal. Together with Tuuggo, we have built complete vehicle insurance coverage between individuals.

The insurance policy number is 8.00002476. You can find more information regarding the General Conditions of the Policy here.

Full comprehensive cover in case there is damage to the vehicle, fire, theft, or glass breakage, and complete 24/7 assistance in case of breakdown or incident. If your car is immobilized on the road, you should notify your guest that they must call +351 211 571 982.

You can find more information in the insurance terms.


  • The guest must be 21 years or older.
  • The guest must have a valid driving license for at least two years.
  • Photos of the car must be taken previously to completing check-in and at checkout. Check our trip photos guide here.

Insured object

By the insured object, it is understood the light passenger vehicle, all-terrain, and minivan with a gross weight of up to 2800 kg, the object of a rental contract, registered on the Tuuggo digital platform and its inclusion in this contract communicated in advance, in accordance with the conditions of access to the previously defined service.


The guarantees are as follows:

  • Compulsory third-party liability up to €7 750 000;
  • 24/7 travel assistance;
  • Legal aid;
  • Capital guaranteed up to €100 000 for the damage resulting from a shock, collision, overturning, fire, theft, storm, natural phenomena, or act of vandalism;
  • Bodily injury to the driver with no excess and cover up to €1250;
  • Glass breakage covered up to €1500.

Excess rates / Deductible

Insurance excess or deductible is applied in case of responsible damage or with an unidentified third party.

The glass breakage excess is €150 in case of replacement of the glass element and no excess in case of repair (with a ceiling of €1500 for repairs). Any glass breakage resulting from misuse by the renter will be excluded from the insurance cover.

For other damages, the excess amounts increase to €1500 per incident.

An insurance excess applies, according to the following principle: “one incident = one excess to pay”. Each excess will be determined according to the nature of the incident.


Cover for private/recreational travel, excluding any onerous transport of persons and goods. The following trips are authorized:

  • Europe: Portugal.


This covers damage in the event of an accident, i.e. resulting from an accidental, sudden, and unforeseen incident that occurred during the rental of a vehicle rented through Tuuggo and whose repair costs exceed the amount of the insurance excess subscribed. Specific vehicle components are excluded from insurance coverage:

  • Damage to tires due to piercing, braking, or punctures
  • Extras (items that some hosts may offer you for an additional cost, e.g. surfboard)
  • Accessories or elements, whether or not they are brand originals, which are not attached
  • Personal objects taken from the vehicle following a burglary, whether they belong to the renter or the owner
  • Theft(s) by a person in close contact with the driver (employee, family member)
  • The loss of or damage to any vehicles (mechanically damaged) towed by the insured vehicle
  • The loss, damage, or theft of objects belonging to the Owner
  • Damage to the vehicle whose only cause is overload or wear and tear
  • Glass breakage on elements through which light does not travel
  • The breakage of glass if it results from misuse by the tenant (mishandling, undue use of the open window, etc.)
  • Stickers when they are not original.


In addition to the exclusions indicated in the General Conditions of the Policy, the following uses of vehicles are excluded:

  • Taxis, including Letters T and A; TVDE; freight and passenger transport companies; circulation in ports and airports; participation in competitions; transport explosive, flammable, combustible, and chemical materials.

Find more information in the insurance terms.

Protection plans

The protection plan depends on the vehicle’s current value, which is calculated by applying the depreciation factor to the vehicle’s purchase value at the time of its first registration, without any commercial discounts.

The protection plan is automatically defined by Tuuggo.

You can find the protection plan that applies to your vehicle in the following table:

Premio total diario_EN

Insurance discounts

We have discounts relative to the insurance prices for longer-term rentals and you can find them in the following table:

Desconto no seguro_EN

Managing vehicle damage

What should you do if a guest contacts you because of a car accident with your vehicle?

In the event of a car accident, tell the guest that they should follow these instructions.

Resolving damage with your guest

Yet to be written.

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