# Insurance fees per car

> Set, car by car, the included insurance and the upgrades charged to the customer, with a preview of the real amount before you save.

**Who can use this:** Agency owner, Finance manager, Agency manager, Fleet manager  
**In the app:** Fleet › Car management › Car insurance fees  
**URL:** https://docs.drivego.thesuperplatform.com/en/guides/agency/insurance-fees  
**Updated on:** 2026-10-25

Insurance fees are what the customer **pays** to be covered while renting a given car. They are revenue for the agency. They are separate from the [insurance policy](https://docs.drivego.thesuperplatform.com/en/guides/agency/insurance) the agency pays its insurer. Every car has one insurance included by default and, if you wish, upgrades the customer can choose at step 3.5 of the booking.

## Steps

1. Open **Fleet**, choose a car, then **Car insurance fees**.
2. At the top, the **Active insurance** block shows the agency policy that covers the car.
3. Below, each fee charged to the customer appears as a card. Tap **Add a fee**.
4. Fill in the form: name, type, amount, calculation, customers concerned, rental length, included or upgrade.
5. Read the preview under the form, for example "For a 3-day individual rental this adds MAD 45.00", then tap **Save**.
6. Use **Edit**, **Enable** or **Disable** on a card to change it, and **Renew cover** when the policy reaches its end date.

*Screenshot: A car's insurance fees: active policy and fee cards (screen no. 87).*

**Car insurance fees**

| Field | Required | Values or format | Example | What it means |
|---|---|---|---|---|
| Tabs | | Overview, Policies, Payments, History | Policies | Change the part of the screen shown. |
| Active insurance | Shown | Insurer, cover, number, dates, premium, status | Comprehensive, until 31/12/2026 | The agency policy covering this car. The premium is visible only to the owner and the finance manager. |
| View policy document | Button | | | Opens the contract attached to the policy. |
| Fee name | Yes | Text the customer reads | Standard insurance | The name shown to the customer at step 3.5 and in the price breakdown. |
| Fee type | Yes | Basic insurance, Standard insurance, Premium insurance, Excess reduction, Third-party cover, Full cover, Theft protection, Roadside assistance | Standard insurance | The kind of cover sold. |
| Amount | Yes | Number; between 0 and 100 for a percentage | 12.00 | The rate, read according to the calculation. |
| Currency | Yes | The agency currency | MAD | Always the agency's. |
| Calculation | Yes | Per day, Fixed per booking, Percentage of booking, Included | Per day | How the amount turns into a sum on the booking (see the table below). |
| Customers concerned | Yes | All, Individual, Company | All | The customers this fee applies to. |
| Minimum length (days) | No | Whole number | 1 | Below it, the fee does not apply. |
| Maximum length (days) | No | Whole number, at least the minimum | 30 | Above it, the fee does not apply. Empty: no limit. |
| Included by default | No | Checkbox | Ticked for basic insurance | The insurance included in every rental of the car. Only one per car. |
| Upgrade | No | Checkbox | Ticked for Standard and Premium | A cover the customer can choose. Never at the same time as Included by default. |
| Valid from / to | No | Dates | 01/01/2026 to 31/12/2026 | The fee only applies to pickups in this period. |
| Active | No | Switch | On | A disabled fee is no longer offered. |
| Description | No | Text | Excess reduced to MAD 2 000 | Explanation shown to the customer. |
| Preview | Calculated | Sentence | "For a 3-day individual rental this adds MAD 36.00" | What the customer will really pay, before you save. |
| Screen footer | Depends on your role | Premium per car, VAT, agency fee, total | | The policy's yearly premium divided by the number of cars covered. Only for the owner and the finance manager. |

**After you save:** the fee card appears. The fee applies to new quotes straight away; existing bookings keep their price. A form that breaks a rule is refused with the field at fault highlighted.

## The four calculations

| Calculation | Amount added to the booking |
|---|---|
| Per day | Amount × number of rental days |
| Fixed per booking | Amount, once |
| Percentage of booking | Rental price after discounts × amount ÷ 100 |
| Included | 0, shown as "Included" in the price breakdown, never hidden |

Example: a Standard fee at MAD 12.00 per day adds MAD 36.00 to a 3-day rental. A 10 % fee on a rental of MAD 900.00 after discounts adds MAD 90.00. The detailed calculations are in [Insurance: policies and fees](https://docs.drivego.thesuperplatform.com/en/reference/insurance).

A fee applies to a booking only if it is active, the pickup date is within its validity dates, the customer type matches and the rental length is within the band.

## Validation rules

- Only one active **included by default** insurance per car.
- A fee cannot be both **included by default** and an **upgrade**.
- For a **percentage of booking**, the amount must be between 0 and 100.
- The minimum length cannot exceed the maximum length.

## What the customer sees

At step 3.5 of the booking, the customer sees the included insurance and the upgrades that apply to their rental, with their total already calculated. Upgrades replace each other: choosing one replaces the previous one. Add-ons such as GPS or a child seat add up. See [Book a car](https://docs.drivego.thesuperplatform.com/en/guides/customer/booking).

## What happens next

When the car is booked, the chosen insurance becomes a line on the rental invoice and counts in the "insurance" revenue in [Finance](https://docs.drivego.thesuperplatform.com/en/guides/agency/finance).

## Troubleshooting

| Situation | Cause | What to do |
|---|---|---|
| "Some details are invalid. Fix the highlighted fields." | A rule is broken, for example two active included insurances. | Disable the old included insurance or untick one of the two boxes. |
| The preview adds MAD 0.00 | The fee is Included, or it does not apply to 3 days or to the preview's customer type. | Check the calculation, the length band and the customers concerned. |
| The cover does not appear to the customer | The fee is disabled, outside its dates, or not ticked as **Upgrade**. | Enable it and check its dates and length band. |
| The screen footer is empty | No active policy covers the car, or your role cannot see the premium. | Add the car to a policy in [Insurance policies](https://docs.drivego.thesuperplatform.com/en/guides/agency/insurance). |

## Related pages

- [Insurance: what the agency pays, what the customer pays](https://docs.drivego.thesuperplatform.com/en/reference/insurance)
- [Manage the agency's insurance policies](https://docs.drivego.thesuperplatform.com/en/guides/agency/insurance)
- [Pricing rules](https://docs.drivego.thesuperplatform.com/en/guides/agency/pricing-rules)
- [Book a car](https://docs.drivego.thesuperplatform.com/en/guides/customer/booking)