Car Rental in Baku with Full Insurance “All Risks Zero”: What It Covers and How to Book
In short. Yes, at Karavan Rent A Car in Baku you can rent a car with full insurance — the “All Risk Zero” package. Your liability for damage is zero, and so is the deposit. The package covers accidents, theft and break-ins, third-party damage, as well as glass, tyres and wheels, the underbody, the roof, natural disasters and vandalism. You add it when booking — on the website or through a manager.
A stone thrown up by an oncoming lorry on the road to Guba. A scratch in a tight car park near the Old City. A puncture on the rocky road to Lahij. On a trip to an unfamiliar country, small things like these happen far more often than serious accidents — and they’re what ruin a holiday when you have to pay for each one.
Full insurance solves this once and for all.
What “All Risk Zero” covers
| Risk | Covered |
|---|---|
| Accidents, including at-fault ones | yes |
| Theft and attempted break-in | yes |
| Third-party damage (mandatory ICBARI insurance) | yes |
| Windscreen, side and rear windows | yes |
| Tyres and wheels: punctures, cuts, kerb strikes | yes |
| Underbody and suspension | yes |
| Roof | yes |
| Natural disasters: downpours, hail, floods | yes |
| Vandalism | yes |
| Your liability for damage | zero |
| Deposit | zero |
The package is valid throughout the permitted territory of Azerbaijan — in Baku and in the regions.
Three levels of protection: the difference
Karavan has three insurance packages. Basic insurance is already included in every rental, while full insurance takes every risk off your hands.
| Standard | Extended | All Risk Zero | |
|---|---|---|---|
| Accidents, theft, third parties | yes | yes | yes |
| Glass, tyres, underbody, roof | no | yes | yes |
| Natural disasters and vandalism | no | yes | yes |
| All other risks | no | no | yes |
| Your liability | up to a limit | lower | zero |
| Deposit | yes | lower | zero |
A detailed breakdown of all three packages is in our article on car rental insurance in Baku.
When insurance doesn’t apply
This is the honest rule of any insurance, and we state it up front. No package, including full insurance, applies if:
- the driver left the scene of an accident;
- the driver didn’t wait for the police or an insurance representative;
- the driver was under the influence of alcohol or drugs;
- someone not listed in the contract was driving.
In every other case, with “All Risk Zero” you pay nothing for damage.
What to do after an accident or damage
- Stop and stay at the scene.
- Call your Karavan manager right away — the team works 24/7 and will guide you through every step: what to tell the police, which documents you need, how to record the scene.
- Wait for the police. In case of theft, call the police on 102, then Karavan.
Your job is to follow these simple rules. The insurance takes care of the rest.
Who needs full insurance most
- First-time drivers in Azerbaijan — unfamiliar roads and Baku’s busy traffic.
- Families with children — when you’d rather think about the road than possible costs.
- Mountain travellers — Khinalug, Lahij, Laza, where stones and potholes are everywhere.
- Winter travellers — wet and icy roads.
- Long-term renters — every day on the road raises the chance of a minor incident.
- Young drivers — rental is available from age 21; see our article on car rental from age 21.
How to book with full insurance
- Choose a car on karavan.az or message a manager on WhatsApp or Telegram.
- Tick the “All Risk Zero” package at the extras step — the deposit drops to zero automatically.
- Confirm the booking with a 20% prepayment and receive a voucher with the total.
When you collect the car, you sign the contract and take the keys — no deposit, no fuss. More on renting without a deposit in our article on car rental without a deposit.
FAQ
What is full insurance for car rental in Baku?
It’s the “All Risk Zero” package: the insurance covers any damage to the car within lawful use, and both your liability and the deposit are zero.
Does full insurance cover glass and tyres?
Yes. Glass, tyres and wheels, the underbody and the roof are all included in “All Risk Zero”.
Do I need a deposit with full insurance?
No, the deposit with this package is zero.
Does the insurance cover theft?
Yes, theft and attempted break-in are included in all three packages, including full insurance.
Is full insurance valid in the regions?
Yes, throughout the permitted territory of Azerbaijan — from Baku to Sheki, Gabala and Guba.
When won’t the insurance help?
If the driver left the scene of an accident, didn’t wait for the police, was intoxicated, or let someone not listed in the contract drive.
Conclusion
“All Risk Zero” full insurance turns a rental into what it should be: the freedom to go wherever you like without thinking about scratches, stones or punctures. Message a Karavan Rent A Car in Baku manager on WhatsApp or Telegram at +994-55-455-22-45 — they’ll choose a car for you and arrange a rental with full insurance.
All rental terms in one place — in our guide to car rental requirements in Baku.
Read also
- Car rental in Baku without a deposit: read the article
- Car rental in Baku from age 21 with 1 year of experience: read the article
