Supplemental Liability Insurance (SLI)

Supplemental Liability Insurance sits on top of the mandatory third-party cover and lifts its ceiling. The built-in liability that comes with every rental meets the legal minimum, but a serious accident — a bad injury, an expensive vehicle written off — can exceed it. SLI gives you a much higher limit so the gap is not yours to fill.

It does nothing for the car you are driving; like all liability cover it only protects other people and their property. Its job is purely to add headroom on claims that other parties make against you.

Whether you need it depends on your appetite for risk and what your own policies already do. Some travel insurance or premium credit cards extend liability abroad; if they do not, SLI is an inexpensive way to avoid a worst-case bill.

For most short city rentals the standard limit is enough. For long road trips covering big distances, where you share the road with trucks and fast highway traffic, the extra cushion can be worth the few dirhams a day.