Car Rental Terms & Conditions

Introduction

• •These terms apply to reservations made directly on the Insider Car Rental website.
• •If you booked through a third party (for example an online travel agent), their own terms and the voucher they issued will apply — please refer to those instead.

Driver Licence and Identification Requirements

• •All main drivers must present a valid original driving licence that includes a photo ID. Photocopies are not accepted.
• •Driving licences must have been held for at least 1 year.
• •Licences must be written in English or use the Latin/Roman alphabet. If the licence is not in English or does not use the Latin/Roman alphabet, an International Driving Permit (IDP) is required in addition to the original licence.
• •It is the renter's responsibility to check whether their licence is valid for driving in the country of hire and whether an IDP is needed by local law.
• •If you arrive at the rental desk without the required licence or IDP (when required), the reservation will be cancelled at the counter and no refund will be given.

When Rental May Be Refused

Acceptable Forms of Photo ID

• •Passport or national identity card

Local Traveller Restrictions

• •Not applicable

Payment Methods and Card Rules

• •The card used for security deposit and any on-site charges must be in the main driver's name.
• •We may require identity verification for all payments related to car rentals.
• •The card must have sufficient available funds to cover the security amount and any potential charges, and its expiry date must be at least 2 months after the rental return date.
• •Card details (card number and expiry date) must be clearly visible. Cards without these details cannot be accepted.
• •If the booking was paid with a third-party card, you may be asked to provide proof of authorisation for that payment. Failure to provide requested authorisation may result in the rental being refused.
• •If a valid card is not provided at pick-up, the booking may be cancelled and no refund will be issued for any prepaid amount.

Deposits and Pre-authorisations

Insurance and Third-Party Excess Cover

• •If you buy an excess-reimbursement policy from a third party, that policy typically reimburses you after you have paid the excess to us. In practice this means you remain liable to pay the deposit/pre-authorised amount at pick-up.
• •If damage occurs, you must pay Insider Car Rental for the loss/damage first; if applicable, you may then claim reimbursement under any external insurance you purchased.

Driver Age and Surcharges

• •Minimum driver age: 18 years
• •Maximum driver age: 99 years
• •Young driver surcharge: N/A
• •Senior driver surcharge: N/A

Fuel Policy

Mileage

• •All our vehicles are offered with unlimited mileage.

Cross-Border Travel

Optional Extras and Charges

Additional Driver

• •Additional driver fee: €7 per day for each additional authorised driver.

Out-of-Hours Services

• •Out-of-hours pick-up or drop-off may be possible by prior arrangement but is not guaranteed and may carry extra charges.
• •Not all locations provide out-of-hours returns. Do not assume a 24-hour service is available—check the specific location in advance.
• •Rentals commencing or finishing after midnight may be subject to a higher rate.

Delivery / Collection Service

• •Delivery and collection services are available as an additional service within a 30 km radius of our office.

Tolls

• •Not applicable.

Collection / Arrival Information

• •Please consult the specific location page on our website for exact collection and shuttle details for your booking.

Safety, Accidents and Related Procedures

Cancellation, Delayed Collection and No-Show Rules

Pricing Summary and What's Included

Vouchers and Documentation at Pick-up

• •You must present the booking voucher (printed or electronic) at the collection.
• •If you cannot present your voucher, the branch may charge local rates or refuse to release the vehicle — in which case any prepaid funds will not be refunded.

One-Way Hires

• •One-way hires are not currently available.

Vehicle Model Guarantee

• •We will make every effort to supply the exact car model you booked.
• •However, in the event of force majeure, breakdowns or other unforeseen circumstances, we may provide a replacement vehicle of an equivalent or different model.

Vehicle Condition and Return Requirements

• •Check the vehicle carefully before taking charge and report any existing damage. You are responsible for keeping the vehicle roadworthy while it is in your care (for example, maintaining oil and tyre pressures).
• •Only pre-authorised maintenance or repairs will be reimbursed by us.
• •Return the vehicle in the same condition it was provided (reasonable wear and tear excepted). If the vehicle requires more than a standard clean or has damage to seats, upholstery or carpets, a deep-cleaning or repair charge will apply and will be based on the state of the vehicle at return.
• •Vehicles returned out of hours remain your responsibility until the branch inspects them.
• •Vehicles handed back between 16:00 and 09:00 will be inspected later (but within 24 hours). Any newly identified damage will be reported to you within 72 hours.
• •For short-term rentals (less than 90 consecutive days) there is no allowance for wear and tear beyond normal use; any change in vehicle condition during the hire remains your responsibility.

Smoking, Animals and Valeting Charges

• •No smoking in any vehicle. This includes electronic cigarettes and vaping. If evidence of smoking is found, a minimum charge of €200 will apply.
• •Animals may only be transported if kept in appropriate containment. If an animal soils the vehicle, a valeting fee will apply (minimum €200). Specialist cleaning for hazardous or excessive soiling will be charged as required.

Rental Extensions, Late and Early Returns

• •Extensions are subject to branch approval and vehicle availability. If an extension is agreed, the rental will be charged at the prevailing rate, which may differ from your original rate.
• •Cars may travel on ferries, but extra fees may apply — check with the rental station.
• •If you fail to return the vehicle at the agreed time without authorisation you will face a non-authorised extension penalty of €200 and may be blacklisted from future bookings.
• •Returning the vehicle early does not entitle you to any refund for remaining rental days or ancillary products purchased.
• •Late returns beyond the allowed grace period will incur extra rental charges. The grace period is 59 minutes. Any extra day or charge will be billed to the card used for the security deposit.

Amendments, Fines and Administration Charges

• •To amend a reservation you must email us at least 24 hours before the rental start. Telephone amendment requests are not accepted. Amendment requests are not guaranteed and may be treated as a new booking.
• •You are responsible for any parking fines, tolls, traffic penalties, or related charges incurred during the hire. If we process these on your behalf, an administration fee will be charged.

Opening Hours

• •Check the location opening hours and any holiday closures on our website before travel.

Complaints and Dispute Resolution

• •Complaints must be submitted in writing (email) within 30 days from the final day of your rental. Complaints submitted after this time may not be considered.
• •If communication pauses for more than 30 days during our investigation, the case will be considered closed.
• •If we cannot resolve a dispute through written negotiation, the matter will be settled in the Rovaniemi District Court under Finnish law.

Data Protection (GDPR)

• •How we collect, use and store your personal data is explained in our privacy policy on the website.

Promotions

• •Promotional or discount codes applied at booking are included in the displayed price.
• •Any terms associated with a promotion must be complied with at the time of collection.

General Terms and Important Notes

• •All bookings are subject to these terms and conditions.
• •We are not liable for actions by customers such as driving under the influence of alcohol, drugs, or psychoactive prescription medication, wilful damage, off-road driving, or driving without due care and attention. In such cases the hirer is fully liable for all resulting costs and the insurance excess limitations will not apply.
• •Booking confirmation vouchers are sent by email as part of your booking confirmation. All transactions are subject to VAT. If you require a VAT invoice, this must be issued by the location that performed the rental after the rental has been completed.
• •Comprehensive insurance allows the hirer to drive the vehicle and provides cover for accidents. If the hirer is found negligent, we reserve the right to recover all losses from the hirer.
• •Calls to Insider Car Rental may be recorded for training, quality and security purposes.
• •We reserve the right to cancel a rental or refuse service at any time.
• •Terms issued October 2025. These terms may be updated or changed at any time; the version posted on our website at the time of booking is the version that applies.