Short answer. Car rental insurance in Azerbaijan starts with compulsory liability cover. Liability cover pays for harm you cause to other people. Liability cover does not pay for the rental car itself. Cover for the rental car is a separate thing. Check the excess before you sign, not after a scratch.
Updated 9 August 2026.
On this page
What does car rental insurance in Azerbaijan cover?
Car rental insurance in Azerbaijan covers harm you cause to others, not your own car.
The Azerbaijani name is icbari sığorta. Every vehicle on the road must have it. Your rental car already does.
Compulsory cover pays the other party, never your own car.
| What it pays for | Limit |
|---|---|
| Damage to another person’s property | 5,000 AZN |
| Harm to one person’s health | 5,000 AZN |
| Harm to health, all people in one event | 50,000 AZN |
| Damage to the car you are driving | Nothing |
Look at the last row again. The last row is the whole reason this article exists.
Hit a wall in a rented car and compulsory insurance pays you nothing.
What is CDW, and what is an excess?
CDW means collision damage waiver. In Azerbaijan it limits what you owe for damage.
The excess is the part you still pay. Some companies call it a franchise.
An example makes it clear. The excess is 500 EUR. The repair costs 1,200 EUR. You pay 500 and the insurance pays the rest.
If the repair costs 300 EUR, you pay all of it. The excess works as a floor, not a discount.
So there are only two numbers that matter to you.
- Is damage cover included in the price? Or is it sold separately?
- What is the excess? Ask for the figure in manat.
What is usually not covered?
An unnamed driver, any alcohol, off-road driving and lost keys are usually not covered.
| Situation | Normal rule in Baku |
|---|---|
| Driver not named in the contract | Not covered |
| Any alcohol in your blood | Not covered. The legal limit is 0.00 |
| Driving off paved roads | Not covered |
| Tyres, glass and mirrors | Often excluded, ask |
| The underbody of the car | Often excluded, ask |
| Lost keys or documents | Not covered |
| Leaving the country without permission | Not covered |
Two of these catch tourists most often.
The second driver is one. A friend takes the wheel for an hour and the cover stops. Name every driver in the contract.
The road to the mud volcanoes is the other. The last stretch is unsurfaced. Check what your contract says before you drive it.
What should you check before you sign?
- The excess amount, in Azerbaijani manat, written down
- Whether tyres and glass are included
- Whether a second driver is allowed and what it costs
- What happens if you leave paved roads
- Who you must call first after an accident
Take photos of the car at handover. Every panel, the wheels, the fuel gauge. Do it again at return.
What happens after an accident?
Do not move the car. Call the police on 102. Call the rental company straight after.
You need the police report to claim anything. Leaving the scene can void the cover completely.
The full steps are in our guide on accidents in Baku.
Do you need extra insurance from home?
Some travel policies and credit cards cover rental excess in Azerbaijan. Checking yours is worth ten minutes.
If it does cover you, keep the paperwork. You still pay the rental company first and claim it back later.
Our conditions are on the rental terms page. Ask us for the excess on a specific car.
What insurance comes with our cars?
- ICBARI liability cover is included in every price.
- Full damage cover is optional, with an excess of 300 to 500 EUR.
- The excess depends on the car and is agreed when you sign.
- A second driver can be added to the contract.
- Taking the car out of Azerbaijan is not permitted, so no cover applies abroad.
We have rented cars in Baku since 2023 and run 105 cars today. The office is open 24/7 and the phone answers at night.
BookingCarBaku staff speak Azerbaijani, Russian, English and Turkish.
The compulsory insurance law is public. The State Traffic Police explains what it covers.
Common questions
Is insurance included in the rental price?
Compulsory Azerbaijani liability insurance always is. Damage cover for the car itself depends on the company. Ask us.
What is a franchise in car rental?
Franchise is another word for the excess. In Azerbaijan it is what you pay first.
Does my credit card insurance work in Azerbaijan?
Sometimes credit card insurance works in Azerbaijan. Check your card terms before you travel and keep the documents with you.
Am I covered on the road to Gobustan?
Cover on the road to Gobustan stops where the asphalt does. The last part is unsurfaced. Ask us first and take an SUV or crossover.
Can my friend drive the car too?
Your friend can drive only if named in the contract. An unnamed driver has no cover at all.
Is the deposit the same thing as the excess?
No, the deposit and the excess are separate amounts. Read our guide to deposits in Baku.
Want the excess figure for a specific car? Message us with your dates.
