Insurance & protection

How protection works

Every trip on Joldar is protected in three layers: the host’s OGPO VTS policy (compulsory motor third-party liability insurance, covering harm caused to third parties), the renter’s protection plan (damage to the rented car) and the deposit (30 000–150 000 ₸ depending on the car class, covering minor costs and fines).

A protection plan is not an insurance contract but an agreement between Joldar and the renter: the renter is not liable for damage above a set deductible, and Joldar covers the rest through its insurance partner. You choose the plan when booking; its price is per day and is added to the trip total.

Renter protection plans

Basic — 0 ₸/day

300 000 ₸ deductible. If there is damage, the renter pays up to 300 000 ₸, and Joldar covers anything above that.

Standard — 3 500 ₸/day

100 000 ₸ deductible. The renter’s maximum cost is 100 000 ₸.

Premium — 6 000 ₸/day

0 ₸ deductible. The renter pays nothing for covered damage.

The plan can only be chosen or changed before the trip starts. Under every plan, the coverage limit is the car’s market value.

Host earnings plans

When listing a car, the host chooses one of three plans. The plan sets the host’s share of the rental price and the maximum amount the host pays out of pocket for damage per incident. The higher the share, the higher the host’s liability.

70% plan

The host receives 70% of the rental price. The host’s damage liability is 0 ₸: Joldar pays for covered damage in full.

80% plan

The host receives 80%. The host’s damage liability is up to 150 000 ₸ per incident.

90% plan

The host receives 90%. The host’s damage liability is up to 500 000 ₸ per incident.

The host’s liability applies to the remainder after recovery from the renter’s deductible and deposit. Delivery fees and reimbursements (fuel, fines) go 100% to the host.

What is covered

• Damage to the body, glass, lights and chassis caused by a traffic accident, a collision, a falling object or vandalism during the trip.
• Theft of the car or its total loss during the trip (with a police report).
• The coverage limit is the car’s market value on the day of the incident; the repair cost is determined by an independent appraisal or a service center’s estimate.
• Towing and storage costs of up to 2 500 000 ₸, if the incident is covered.

What is not covered

• Mechanical and electrical failures (engine, transmission, battery, electronics): these are the host’s responsibility.
• Normal wear and tear: scratches up to 5 cm, minor stone chips, tire and brake wear, small dings.
• Interior dirt, odors, smoke, damage to seats and trim: these are deducted from the deposit through a cleaning/repair invoice.
• Damage that occurs while breaking the rules (drunk driving, handing the car to a third party, racing, off-road driving, prohibited use): the renter pays for the loss in full.
• The host’s lost income (days the car spends in repair) and a replacement car.
• Loss of or damage to personal belongings or luggage.
• Damage without a photo report, or reported after the deadline.
• Fines, road tolls and parking charges (these are collected separately).

Wear and damage

• A scratch or dent up to 5 cm is normal wear and is not charged to the renter.
• A scratch over 5 cm, a crack, a broken part or a dent through the paint is damage.
• Tyre and glass wear and ordinary interior dirt are wear; burns, torn seats and smoke smell are damage.
• In a dispute the check-in and check-out photos are compared.

How OGPO VTS fits in

OGPO VTS is compulsory motor third-party liability insurance for vehicle owners. It covers harm caused to third parties (another vehicle, a pedestrian, property) during the trip up to the insurer’s limits, but it does not cover damage to the rented car itself.

On Joldar a car is listed only with a valid OGPO VTS policy. Including the renter in the policy is being discussed with the insurer; until that is settled, the host must confirm the policy terms (an unlimited list of drivers or named drivers only) to the renter before check-in.

To receive compensation under OGPO after a traffic accident, a police report and timely notice to the insurer are mandatory; this is a joint obligation of the renter and the host.

Deposit by car class

Economy

30 000 ₸

Comfort

50 000 ₸

Business, minivan

70 000 ₸

SUV

80 000 ₸

Premium

150 000 ₸. Any car priced at 60 000 ₸ per day or more counts as premium, regardless of its class.

Driver under 25

The deposit is 1.5 times higher: economy 45 000 ₸, comfort 75 000 ₸, business and minivan 105 000 ₸, SUV 120 000 ₸, premium 225 000 ₸. Age is determined as of the first day of the trip.

Host’s age limit

Some hosts rent out their cars only to drivers aged 23 or 25 and up. This limit is stated on the car page; if you are below it, the booking is not accepted.

When the amount is known

It is shown on the car page and at booking. It does not change after the booking is confirmed, even if the trip is extended.

When it is held

On the renter’s card at the moment check-in is confirmed. The amount is not charged, only held (pre-authorization).

When it is released

Within 3 business days after check-out is confirmed, if there is no claim, fine or invoice. The bank may take another 1–5 days to remove the hold.

When deductions are made

Fuel shortfall, extra km, late return, cleaning, smoke odor, fines incurred during the trip, the deductible for covered damage.

How much is deducted

Only the confirmed amount. The rest is released the same day. If the cost exceeds the deposit, the difference is charged to the card with an additional invoice.

If there is a dispute

The deposit stays on hold until the claim is resolved; the remainder is released within 3 business days after the decision.

Claims process and deadlines

Damage report

Within 24 hours after check-out, through the app, with photos and a description.

Host’s invoice

Within 72 hours after the report: a service center estimate or a receipt, plus photos.

Renter’s reply

Within 48 hours after the invoice arrives: accept it or dispute it (adding their own evidence).

Additional documents

Both parties can add them within 15 days: police report, independent appraisal, witness details.

Decision

Joldar support makes a decision within 5 business days after the evidence is collected and informs both parties of it, with the reasons.

Payment

Compensation is paid to the host within 5 business days after the decision; the renter’s deductible is taken from the deposit, and any remainder is charged to the card.

False or unfounded invoices

If a host presents pre-existing damage, wear or a mechanical failure as trip damage, the invoice is rejected. If it happens again, the host is temporarily blocked and must return any compensation received; the third time, the host is removed from the platform.

If a renter hides damage or tampers with the photo report, the protection plan becomes void and the loss is recovered in full.