Car Rental Insurance in Udon Thani: CDW & SCDW
Every rental already includes CDW insurance, so you don't need to buy extra cover to rent. Want a ฿0 excess? Add SCDW.
Maximum excess per incident
A small scratch doesn't mean you pay the full amount. If the damage is below these limits, you only pay the assessed cost.
If the car is damaged, how much do you pay?
The rental rate includes CDW (Collision Damage Waiver), which caps what you pay when the car is damaged in a covered accident. If the assessed damage is below the CDW limit, you pay the assessed amount. If it's above, you pay no more than the limit for that car type.
“Damage to 1 panel” means one exterior body panel, for example one door, one bumper section or one wing. The amount depends on the type and depth of the scratch, any dents, and whether repair or repainting is needed.
Examples of how damage charges are calculated
| Example damage | Example repair cost | Example renter pays |
|---|---|---|
| Scratch on 1 panel e.g. a scratch on one door | ฿3,000 | ฿3,000 |
| Scratches on 2 panels e.g. front door + rear door | ฿6,000 total | ฿6,000 |
| Dent on 1 door repair and repainting needed | ฿4,500 | ฿4,500 |
| Dented door + damaged bumper several panels, same incident | ฿8,000 total | ฿8,000 |
| Several panels damaged on a sedan same incident | ฿18,000 total | Maximum ฿10,000 if all the damage is covered under CDW |
These repair costs are examples to explain the calculation, not fixed repair rates. Actual costs depend on the car model, the parts, the type and severity of the damage, and the assessment of each case.. In short: if the damage is below the CDW limit, you pay the assessed amount. If it's above, you pay no more than the limit, as long as the damage is covered.
SCDW: reduce your excess to ฿0
Don't want to worry about repair costs? Add SCDW when you book, and the excess for accident damage that is covered drops to ฿0. It costs ฿250/day for economy cars and sedans, and ฿350/day for 7-seaters, pickups and SUVs.
Example: sedan with several damaged panels from one incident, assessed repair cost ฿18,000
- With the included CDW
- You pay up to ฿10,000
- With SCDW added
- ฿0
In both cases the damage must be covered. SCDW doesn't mean you're never responsible: exclusions and the rental terms still apply.
Example: Toyota Vios, 3 days, airport pick-up & return within opening hours
- ฿890 × 3 days
- ฿2,670
- Airport delivery & return
- Free
- CDW insurance (excess ฿3,000–10,000)
- Included
- Rental total
- ฿2,670
- Cash deposit at pick-up
- ฿3,000 (refunded)
- Optional SCDW (excess ฿0)
- +฿750 (฿250 × 3)
- Out-of-hours pick-up or return
- +฿500 each
Rate for 2+ days (1 day: ฿1,190/day). Booking deposit ฿500–5,000 by transfer; the rest on pick-up day. We confirm the final price before any deposit.
Third-party liability insurance
As well as the cover for the car itself, O Car Rent cars carry commercial-use motor insurance with these main limits:
| Coverage | Maximum limit |
|---|---|
| Third-party bodily injury or death | ฿500,000 / person |
| Third-party bodily injury or death per accident | ฿20,000,000 / accident |
| Third-party property damage | ฿1,000,000 / accident |
| Personal accident — driver / passengers | ฿50,000 / person |
| Medical expenses — driver / passengers | ฿50,000 / person |
| Driver bail bond | ฿500,000 / accident |
Actual cover is subject to the policy for the rented car, including the insurer's terms, limits and exclusions.
When CDW / SCDW may not cover you
A. Using the car in breach of the rental terms. In these cases CDW / SCDW may not cover you, and the renter may be responsible for the actual damage in full:
- Driving under the influence of alcohol or drugs
- Driving without a valid driving licence
- Letting an unauthorised person drive
- Grossly negligent or dangerous driving, racing or speed testing
- Off-road driving, or using the car in an unauthorised area or way
- Driving through floodwater or areas with a high risk of water damage
B. Certain types of damage may not be covered by CDW / SCDW, or have extra conditions: glass, tyres and wheels, underbody, interior, car key, car equipment and accessories, excessive cleaning.
Important: buying SCDW does not remove the restrictions or exclusions above. The renter must still follow all the rental terms.
If you have an accident or the car is damaged
- Stop somewhere safe and switch on the hazard lights. If anyone is injured, call 1669 first.
- Contact O Car Rent straight away on +66 84 408 0443 or share your location on WhatsApp, then follow our team's instructions.
- Don't move the car unless it's needed for safety or we tell you to.
- Take photos of the car, the damage, the scene, the other vehicle's number plate and the surroundings.
- Note down the other party's details, plus the police or insurance details if they attend.
- Don't agree to pay damages or admit liability to the other party before speaking with O Car Rent.
See the full emergency guide and Thai emergency numbers
Car rental insurance FAQ
Does the O Car Rent rental rate already include insurance?
Yes. The rental rate includes third-party liability insurance and CDW for damage to the rental car, subject to the terms for the rented car.
If the car only has a small scratch, do I always pay ฿10,000 or ฿15,000?
No. If the covered damage is assessed below the CDW limit, you pay the assessed amount, and never more than the limit for that car type.
How is a scratch on one panel charged?
If the damage is covered, we assess it on the type and cost of the damage to that panel. We don't automatically charge the full ฿10,000 or ฿15,000.
If I buy SCDW, is the excess ฿0 in every situation?
No. SCDW reduces the excess to ฿0 only for accident damage that meets the coverage conditions. Exclusions and breaches of the rental terms still apply.
Are tyres, glass, underbody or interior damage covered?
Damage to glass, tyres, wheels, the underbody, the interior and certain equipment may not be covered by CDW / SCDW, or have extra conditions. Please check the details before you confirm your booking.
Is flood damage covered by insurance or SCDW?
Damage from driving through floodwater or areas with a high risk of water damage may not be covered by CDW / SCDW, and the renter may be responsible for the actual damage.
Should I add SCDW?
If you'd rather not risk paying for damage to the car, SCDW is a good choice, as it reduces the excess for covered damage to ฿0. All the rental terms still apply.
Not sure if CDW is enough, or whether to add SCDW?
Tell us the car and your dates. We'll explain the cover, the excess and the SCDW price before you confirm the booking.
Or call +66 84 408 0443, daily 07:00–21:00
Comparing insurance between companies? See 8 checks before you book
This page is here to help you understand the insurance and the excess. Cover and damage charges for each incident are decided by the insurance policy for the rented car, the facts of the incident, the booking, the rental agreement and O Car Rent's terms.
Last updated: 25 Sep 2026