Version v2026.10.4 · applies to bookings made from 2026-10-13. The plan chosen, its price, limit, deposit and deposit refund period are recorded in the Rental Card before payment.
1. What it is
1.1. What the protection plan is. The protection plan is a term of the rental contract between you and VinRent. For this term you pay a separate plan fee (the price is shown before payment). If the car is damaged or lost in the circumstances described below, VinRent will waive part of its claims against you — up to the limit of the plan chosen. In other words, the plan reduces the amount the Renter owes to VinRent; it does not create any payment obligation of VinRent to you or to third parties.
1.2. What the plan is not. The protection plan is not an insurance product: it provides no insurance payments, creates no obligation of VinRent to you or to third parties to compensate their losses, and does not replace the compulsory third-party liability insurance of vehicle owners (TNDS) which the car has by law. The plan operates only between VinRent and the Renter. VinRent is not an insurance company and does not provide insurance services.
1.3. What the limit means. The plan limit is the maximum amount of confirmed damage in one case for which VinRent waives its claims against you. It is not the limit of your liability: for the amount above the limit and for damage to which the plan does not apply, you are liable to the extent provided by the contract and the law. The deposit is security, not a limit of liability. If the actual damage is less than the limit, the waiver applies only up to the amount of the actual damage.
Example (Basic). The confirmed damage in a case to which the plan applies is 80 000 000 ₫. VinRent waives its claim for 50 000 000 ₫ (the Basic limit), and you are liable for 30 000 000 ₫.
2. The plans
| | No plan | Minimal | Basic | Premium | |---|---|---|---|---| | Deposit | 15 000 000 ₫ | 10 000 000 ₫ | 5 000 000 ₫ | 0 ₫ | | Limit per case | none | up to 10 000 000 ₫ | up to 50 000 000 ₫ | up to 100 000 000 ₫ (damage, including total loss) | | Scratches, scuffs | no | yes | yes | yes | | Dents, bodywork | no | no | yes | yes | | Collision | no | no | yes | yes (including serious) | | Glass | no | no | yes | yes | | Tyres | no | no | yes | yes | | Theft | no | no | no | yes, without the 100 million limit (cl. 2.2) | | Help with third-party claims (cl. 7.1) | no | yes | yes | yes | | Call-out and towing under the plan (cl. 7.2) | no | yes | yes | yes | | Overall limit for the whole rental (cl. 2.1) | — | 20 000 000 ₫ | 100 000 000 ₫ | 200 000 000 ₫ (damage) | | Refund period for the free part of the deposit (ceiling) | 30 calendar days | 10 | 5 | no deposit |
2.1. Several cases in one rental. The limit applies to each case separately, but the total amount for which VinRent waives claims over the whole rental does not exceed the plan's overall limit from the table. The Premium theft rule (cl. 2.2) applies separately.
2.2. Theft under Premium. The Premium plan applies to confirmed theft of the car by third parties without the intentional participation of the Renter: VinRent waives its claims against the Renter up to the market value of the car immediately before the theft (the 100 million ₫ limit does not apply to theft). It does not apply to: misappropriation of the car by the Renter (not returned); theft involving the Renter or an additional driver; a rental made with forged documents; a car left unlocked or with the key in the ignition or inside the car. Loss of keys followed by theft does not in itself exclude the plan. Conditions: report to the police and to VinRent without delay (if objectively impossible at once — as soon as it becomes possible), hand over the documents you have and assist the investigation. Actual payments by the car's insurer and by third parties are deducted from the amount; there is no double recovery.
2.3. Total loss — the car technically cannot be restored, or restoration is economically unreasonable according to the opinion of an independent appraiser or service, taking into account the cost of repair, the market value of the car immediately before the event and its residual value. The criteria that the car's insurer applies in its relations with VinRent do not in themselves increase the Renter's liability.
3. What each plan includes, in plain words
- No plan: any damage is yours. The 15 million deposit is security, not a limit of liability. Help with a fault that is not your fault — for everyone (cl. 7.2).
- Minimal: minor cosmetic damage (scratches, scuffs, light paint damage) up to 10 million. Dents, serious bodywork, collision, glass, tyres, theft — yours.
- Basic: everything in Minimal plus dents, collision, bumpers, doors, wings, mirrors, headlights, glass, tyres — up to 50 million. Theft is not included. Anything above 50 million is yours.
- Premium: everything in Basic plus serious collision, major damage, total loss up to 100 million, vandalism and the external events in the list below; theft — separately (cl. 2.2).
3.1. External events under Premium (closed list): vandalism (intentional damage by unidentified third parties while parked); falling objects and trees; hail. Flood and inundation are not on the list.
4. What the plan does not apply to
| Group | Examples | Consequences | |---|---|---| | A. Never applies | intentional damage; fraud; the Renter's participation in theft; misappropriation of the car | The plan does not apply to this damage | | B. Breaches of the rules of use | driving under the influence of alcohol or drugs; driving by a person without a lawful right or not named in the Card; racing and prohibited use (taxi, towing, teaching); off-road driving; crossing the border | The plan does not apply if the damage is connected with the breach (causal link). An error in the details without actual driving is not a ground | | C. Breaches of procedure | a late call, no photos, an incomplete set of documents | Only to the extent of real consequences (cl. 5.2) |
The plan also does not apply to: loss of and damage to the car's keys and documents, interior damage from smoking and animals, cleaning (the rules are in the document "Vehicle Condition and Damage").
5. Procedure in a case and its consequences
5.1. Follow the procedure in the General Terms (section 6): call us, record the incident, contact the police where necessary; in the case of theft — a police report and the documents you have.
5.2. Consequences of a breach of procedure. Failure to follow the notification or documentation procedure does not automatically end the plan. VinRent may limit the application of the plan only to the extent that the particular breach actually and provably made it harder to establish the circumstances or determine the amount of the damage, where the law permits such a limitation. If the circumstances are established (camera recordings, witnesses), a procedural breach does not deprive you of the plan.
6. Definitions and calculation
6.1. One case — all damage caused by one incident or one cause (a bumper, headlight, wing and wheel after one impact are one case). A new, separate incident is a different case. If after an accident you kept driving and the engine was damaged as a result, that is separate damage and is assessed under the general rules.
6.2. Assessment of damage — by the method in the document "Vehicle Condition and Damage". There is no double recovery: if the car has voluntary insurance (some cars do, some do not) or the party at fault has compensated the damage, those amounts are taken into account; you and VinRent are not liable for the same damage twice. The terms of the car's insurer apply only in VinRent's relations with that insurer and do not bind you.
6.3. Costs within and outside the limit. Towing after a case to which the plan applies, storage of the car and expert examination fall within the plan limit. Vehicle downtime during repair is not charged to the customer if the damage is one to which the plan applies — including where the confirmed damage exceeded the plan limit. If the damage is not one to which the plan applies, or no plan was chosen, downtime is recovered only under the rules of the document "Vehicle Condition and Damage". Third-party claims — cl. 7.1.
7. Two services, stated unambiguously
7.1. Help with third-party claims (Minimal and above): we help with documents and with communication with the police and with the TNDS insurer, and we pass on information about the incident. VinRent does not pay third-party claims or lawyers' fees. A customer without a plan is not deprived of compulsory TNDS insurance or of the right to have an accident recorded.
7.2. Roadside assistance — three levels. (a) For all Renters, even without a plan: the 24/7 help line and free assistance if the car becomes faulty through no fault of yours (repair, replacement or towing — at our expense, General Terms cl. 6.4). (b) Minimal and above: call-out and towing after an accident or a breakdown that is your fault, within the rental region, fall within the plan limit; costs above the limit are yours. (c) A separate roadside assistance option is not sold to those who have chosen any plan, since assistance is already included.
8. Price, refund, change of car and extension
8.1. The plan is chosen at checkout and recorded in the Card: name, price, limit, overall limit, deposit, deposit refund period, version of the document. The price depends on the length of the rental and the class of the car and is shown before payment.
8.2. Refund of the plan fee: on cancellation before handover — under the cancellation table (document "Booking, Payment, Cancellation and Refunds", section 3); if the car is not handed over through our fault — in full; on early return at your initiative — not refunded.
8.3. Change of car and extension. If we replaced the car with a more expensive one, your plan and price remain; if you yourself ask for a more expensive one, the plan is recalculated at the tariff of the new car and agreed again. An extension keeps the plan. The plan cannot be upgraded after handover.