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Insurance Explained

Your Safety is very important to us.  Please read the three options of insurance protection which are offered during your reservation process.


A.   Third Party Waiver (SLI)

The Third Party Waiver (also called Supplemental Liability Insurance or SLI for short) protects renters against liabilities resulting from injuries to bystanders and damages to third party property.

SLI covers:

(1) personal injuries of individuals outside the rented vehicle of up to ₡150 Million or about $300,000 (at ₡500 Colones per $1.00 USD, as of 01-Jan-2013), and

(2) damages to third party property to a maximum of $300,000 with a zero ($0) deductible.

SLI coverage is mandatory in Costa Rica and, if alternate coverage cannot be validated, acceptance of SLI will be a condition of rental.  SLI is offered at $11.95 per day.

Selecting only the Mandatory Coverage requires a formal, written proof of an alternative provider of CDW coverage.


The renter or authorized driver is responsible for any loss or damage to the rental vehicle, regardless of who is at fault.  Vamos provides the renter and authorized drivers with two options to cap the financial responsibility for loss of or damage to the rental vehicle through the purchase of Collision Damage Waiver (CDW).

CDW is not insurance, but rather a waiver of Vamos Rent-A-Car´s rights to collect for such occurrences.  There are two CDW options:  Basic and Full.  Both waivers are optional.  However to decline either CDW coverages, the renter must show official written proof of alternate CDW coverage (from another provider) prior to the start of the rental.  Otherwise, the renter is liable for 100 percent of damages to and/or theft of the vehicle.  Fees for CDWs are doubled for drivers between 18 and 21 years of age.


B.   Basic CDW with a Deductible of $975

Basic CDW limits the liability due to vehicle damages and/or theft with a deductible of $975, except in the case of negligence (see below).  The cost for this waiver is between $16.95 and $18.95 per day depending on make and model of rented vehicle.


C.   Full CDW with a Deductible of $0

Full CDW frees the renter from financial responsibility caused by accident, theft, or total loss, except in the case of negligence (see below).  Full CDW increases the Basic CDW protection by eliminating the deductible.  The daily rate for this insurance is between $26.95 and $31.95 per day depending on make and model of rented vehicle.


Rates for Basic & Full CDW include the $11.95 Third Party Waiver fee.

If the Third Party Waiver (SLI) is chosen, there will be a $2,000 rental deposit placed on the account’s credit card.  If either one of the Collision Damage Waivers is selected (Basic or Full), then there will be a $750 hold placed on the renter’s credit card.  In all cases, the credit card will not be charged until the renter picks up the vehicle.  The charge will be refunded upon the vehicle’s safe return.


Credit Card Insurance Programs

We accept most credit card rent-a-car insurance policies.  Many credit card rental policies insure the rented vehicle against Damage and Theft (CDW) of the rented vehicle, but may not protect against Third Party liability (SLI).

Please inquire with your credit card provider about the details of the rent-a-car insurance protection plan.  If you decide to use your credit card as the provider of LDW coverage the deposit for the rented vehicle is $2,000.

Using an insurance program provided by some types of gold or platinum credit cards is a good advantage since these credit cards often cover small scratches, dents as well as the entire rented vehicle in case of collision or theft.

Visit the links below for more info on VISA, MasterCard and American Express Rental Auto Protection Plans.  However, we suggest calling the phone number on the back of your card and inquiring about coverage details.


MasterCard -

American Express -


Coverage and Deductible Regulations

Coverage is void if:

(a) the driver is not authorized by our company to operate the vehicle.

(b) the driver is under the influence of alcohol and/or illegal substances.

(c) the vehicle is operated in a manner that is against the laws of Costa Rica.

(d) the driver cannot provide an accident report from the local authorities.


CDW does NOT cover damage to tires, sound system, windows, roof rack, underside or interior of vehicle except in cases of collisions or theft of vehicle (as outlined above).

This information is only a summary of coverages, please consult the rental agreement for details.  Upon request, our staff will gladly send you a copy of coverage details.

Vamos 4X4 is a Proud Sponsor of SOS-Kinderdorf International
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