For AVIS, it is a must that the renters are fully insured by the way law orders and to make insurance offers according to the customers requirements. There are two types of protection insurances offered by Avis. The first type is the mandatory insurance, applied by the government rules and the second type is the special packages designed by Avis for the confidence and safety of the customers

Mandatory Insurances

Third Party Liability

This provides limited coverage for the third parties which are the persons in or outside the vehicle apart from the driver of Avis car or objects outside the vehicle. The coverage is against liability for causing death, bodily injury or property damage to third parties (maximum 5 persons).

Voluntary Insurance & Waivers

Under normal conditions, the renter is responsible for any loss, damage, theft or accidental damage towards the vehicle. In case of a damage to the vehicle, the renter is responsible for paying between TUL 6.000.000.000.-(approx. US$ 9,600) and TUL 20.000.000.000.-(approx.US$32,000).- depending on the vehicle group. With the following specially arranged packages, the renter can be excluded from such unforseen instances.

Collision Damage Waiver (CDW)

When you rent a car from AVIS, you will be asked if you wish to purchase Collision Damage Waiver (CDW) with an additional charge. Collision Damage Waiver (CDW) is not an insurance, but an optional coverage. It covers you against financial responsibilities for any damage to AVIS car due to collision as long as you are in compliance with the terms of your Rental Agreement. It is noted that (CDW) is limited to cover AVIS car only. If you do not purchase (CDW), you will be responsible for any damage to the rental car due to collision or any cause other than perils specified at the back of your Rental Agreement.

To obtain (CDW), you must print your initials into the acceptance box labelled "Collision Damage Waiver" and pay an additional charge day as shown in the table below accordingly.

In case of an accident, the vehicle must not be moved from the accident site and an accident and alcohol report must be obtained from the nearest police or gendarme station, so that Collision Damage Waiver remains valid.

Even if an accident report is obtained, the renter will be considered liable for damage to the vehicle and any other losses resulting from the accident, under the following conditions;
· The driver is under the influence of alcohol or drugs at the time of the accident.
· The accident occurs as a result of the legal speed limit being violated and this condition is stipulated in the official report.

For further information, refer to your Rental Agreement or speak to AVIS Rental Sales Agent.

Personal Accident Insurance (PAI)

However, should any unforseen accident or health problem arise, for your peace of mind International SOS AssistanceÒ of Switzerland will be at your service during your rental period.

The following services cover up to 5 people in a sedan and up to 9 people in a minibus (including the drivers). All you need to do is to purchase SOS Membership according to the premiums shown in the below table and register the people that you want to be covered.

The services included in this specially arranged package are as follows ;

1. US$ 100.000.- cover for the organisation and transport of Secondary Care emergency evacuation, under constant medical supervision by any necessary means to the nearest fully equipped hospital and/or emergency repatriation to Member' s Country of Residence. SOS will pay for costs incurred during Primary and Secondary Care.
2. US$ 15.000.- cover for Emergency Medical Expenses in Turkey during Primary and Secondary Care. This amount is reimbursed and is in excess of US$ 250.-
3. US$ 1.000.- as the advance of funds for hospital admission.
4. US$ 15.000.- cover for Personal Accident.
5. US$ 15.000.- cover for the transport of Mortal Remains to Member' s Country of Residence in case of Member' s death following Accident or Illness.

Definitions
Accident : Any sudden or unexpected event.

Bodily Injury : Injury caused by accidental means and which within 12
months from the date of the Accident results in the Member' s death, Disablement or Dismemberment.

Country of Residence : Permanent home address of the Member
outside Turkey.

Dismemberment : Loss of limb, eye(s), sight occurring within 12 months of the date of the Accident.

Emergency Medical Expenses : Costs incurred within Turkey by the
Member as the result of an Accident or Illness.

Illness : Any sudden and unexpected deterioration of health certified by a doctor.

Member : Person or persons, under 70 years of age, who are tourists, travellers, expatriates or Turkish Passport holders who are permanent residents of another country and whose names have been indicated on Avis Rental Agreement. A daily membership is valid for 24 hours from the date and time of commencement of rental.

Permanent Total Disablement : Disablement caused other than by loss or eye,
which has lasted for at least 12 months and will
prevent the Member from engaging in any
gainful occupation fro the reminder of his life.

Primary Care : Intervention occurred from the location of Accident or Illness to the nearest stabilisation centre.

Secondary Care : Intervention occurred from a stabilisation centre to a fully occupied hospital.

Exclusions
1. Cases of minor illness or injury which in the opinion of the SOS Physician can be adequately treated locally and which do not prevent the Member from continuing his travels or work.
2. Cases in which the Member is physically able to return to his country as a sitting passenger and without medical escort.
3. Any pre-existing defect for which the Member is receiving medical treatment, advice or consultation; any journey undertaken with the intention of obtaining medical treatment; cases where a journey was booked after receipt of a terminal prognosis.
4. Cases of pregnancy, unless unexpected complications arise and in no circumstances where the pregnant has entered the 7th month at the start of any journey.
5. Self inflicted injury or illness; cases related to psychiatric, psychological, dietary disorders; disease for which treatment has previously been received; insanity, alcohol, drug or substance abuse or self exposure to needless peril.
6. Hazardous pursuits including but not limited to rallies, motorcycling, winter sports, bunjee jumping, scuba diving, parachuting; hazardous work; active participation in war; unlawful acts; self exposure to needless perils; HIV/AIDS; nuclear reaction.
7. Cases where the member engages in any form of aerial flight except as a fare paying passenger.
8. Any expense more specifically covered under any insurance policy.
9. Cases not reported to SOS within 10 days and expenses within 30 days of occurrence.
10. Cases which were not claimed from and through SOS (except for Primary care)
11. Where a member is over 70 years of age.
12. The first US$ 250 of each claim

For further information, contact
International SOS Assistance, Istanbul
(0212) 247 97 79
during bank hours.

The services are covered by a collective insurance policy taken out with certain Underwriters at Llyod' s of London. In the event of any difference of opinion or dispute the original contract is applicable.

In case of an emergency, please go to the nearest medical facility and then contact SOS, providing the following information:
1. Name and age of the Member(s).
2. AVIS Rental Agreement number
3. Member' s present location, telephone & fax, treating doctor' s name.
4. The nature of the problem.

International SOS Assistance
24 Hour Alarm Centre
(0232) 464 47 48
(English, Russian, German, French speaking doctors are available)
If in Izmir, do not dial (0232)

Theft Protection (TP)

Avis also offers an optional protection for the rental vehicle. Theft Protection (TP) provides coverage for the theft towards your Avis car and for its components, provided that an official statement documenting the loss is obtained from the official authorities i.e. Police or Gendarme stations. The renter, by purchasing Theft Protection is not considered liable in the event that the vehicle or any of its parts are stolen. If (TP) is not accepted, the renter will be responsible for the loss of the rental vehicle and/or any of its components due to theft.

To purchase (TP), you must print your initials into the acceptance box labelled "Theft Protection" and pay an additional per day charge as shown in the below table accordingly.