We rented a car from local rental company Uni Rent in Dubrovnik from October 16 through October 23. Picking up rental vehicle was easy and vehicle was according to reservation.

The bizarre part started when returning the vehicle. Upon inspection a small dent was found in the hub-cap of right front wheel. We were informed that we would be charged for that damage. The charge was altogether 50 euros. When asking if the SCDW didn't cover exactly charges like this it was explained that since we hadn't called the police when this hub-cap damage occurred - which we didn't even notice - the insurance was null and void. Can't be exactly sure but we do have the feeling that Croatian police would have been surely delighted to come and make a report of a damage most likely caused by a loose stone or gravel without any other vehicle of person being involved. That is, had we even noticed the incident.

This certainly goes for a warning to be extremely careful with the interpretation of rental terms by Uni Rent. In their reality a single scratch or a dent in plastic is something that qualifies for an accident and if a police has not been called they charge the customer whatever they feel is adequate.