WopeCare Terms & Conditions
1. Nature of WopeCare
WopeCare is an optional vehicle damage protection product offered by WopeCar Technologies Limited (“WopeCar”). WopeCare is not insurance and does not constitute an insurance policy or contract of indemnity under any applicable law. WopeCare provides a financial benefit toward eligible incidental damage to the rental vehicle, subject to the terms, conditions, exclusions and limits set out in this page.
By selecting a WopeCare plan during the booking process, you (“the Renter”) acknowledge that you have read, understood and agreed to the terms of this page in full.
2. WopeCare Plans
WopeCar offers three (3) tiers of WopeCare protection. The applicable daily rate for each plan is calculated as a percentage of the vehicle’s daily rental rate at the time of booking:
| Plan | Daily Rate | Maximum Benefit |
|---|---|---|
| WopeCare Basic | 8% of vehicle daily rental rate | GH₵1,500 per rental |
| WopeCare Plus | 12% of vehicle daily rental rate | GH₵3,000 per rental |
| WopeCare Premium | 16% of vehicle daily rental rate | GH₵5,000 per rental |
The total WopeCare cost for your rental period is calculated by multiplying the applicable daily WopeCare rate by the number of rental days and is displayed clearly at the time of selection during the booking checkout process.
The maximum benefit stated above represents the total aggregate benefit available for all eligible incidental damage claims arising from a single rental period, regardless of the number of damage incidents occurring during that rental.
3. Eligibility & Coverage
Subject to the exclusions in Section 4 and the conditions in Section 5, WopeCare may provide a benefit toward the cost of eligible incidental exterior vehicle damage occurring during your rental period, including:
- Scratches and scuffs to the vehicle’s exterior paintwork
- Minor dents to the vehicle body panels
- Minor bumper damage
- Minor exterior body damage
Eligibility of any damage claim under WopeCare is determined solely by WopeCar in its reasonable discretion, having regard to the nature, extent and circumstances of the damage reported, the condition of the vehicle recorded at the time of collection, and the terms of this page.
Where eligible damage costs are less than or equal to your selected plan’s maximum benefit, WopeCar will apply the full benefit toward the cost of repair. Where eligible damage costs exceed your selected plan’s maximum benefit, WopeCar will apply the maximum benefit and the Renter remains responsible for all costs in excess of that amount.
4. Exclusions
WopeCare does not cover and no benefit will be payable in respect of:
- Major accidents or collisions of a nature requiring a third-party insurance claim or police report
- Total loss or theft of the rental vehicle
- Interior damage of any kind including upholstery, dashboard, fixtures and fittings
- Lost, stolen or damaged vehicle keys or key fobs
- Missing vehicle parts, accessories or personal items
- Mechanical damage caused by misuse, improper operation or failure to maintain adequate fuel or fluid levels
- Damage caused by incorrect fueling including use of the wrong fuel type
- Intentional, deliberate or reckless damage caused by the Renter or any authorized or unauthorized passenger
- Damage occurring while the Renter is driving under the influence of alcohol, drugs or any impairing substance
- Damage caused by or occurring while the vehicle is operated by an unauthorized driver not named in the Rental Agreement
- Damage resulting from a breach of any term of the Rental Agreement
- Damage to tires, wheels or rims unless caused directly by a covered exterior damage event
- Damage to the vehicle’s roof, undercarriage or chassis
- Pre-existing damage recorded on the vehicle condition report at the time of collection
- Damage for which the Renter fails to report to WopeCar within twenty-four (24) hours of the rental period ending
- Any damage occurring outside the Republic of Ghana unless expressly authorized in writing by WopeCar
5. Conditions of WopeCare
The following conditions apply to all WopeCare plans:
(a) Purchase window. WopeCare must be selected during the booking checkout process prior to the commencement of the rental period. WopeCare cannot be added, upgraded or changed after the rental has begun.
(b) Single rental application. WopeCare applies to one (1) rental period only as specified in the Rental Agreement. It does not carry over to any subsequent rental, extension or modification unless a new WopeCare selection is made.
(c) Booking modification. If the Renter modifies the rental period after booking, the WopeCare total cost will be recalculated based on the revised number of rental days. The applicable plan tier and daily rate percentage remain unchanged. The maximum benefit limit remains as selected at the time of the original booking.
(d) Renter responsibility. Notwithstanding the selection of a WopeCare plan, the Renter remains at all times responsible for the rental vehicle and for all damage occurring during the rental period. WopeCare does not transfer liability for the vehicle from the Renter to WopeCar.
(e) Damage reporting. To be eligible for a WopeCare benefit, the Renter must:
- Report any damage to WopeCar as soon as reasonably practicable and no later than twenty-four (24) hours after the end of the rental period;
- Cooperate fully with WopeCar’s damage assessment process;
- Not authorize, arrange or pay for any repairs to the vehicle without prior written approval from WopeCar.
(f) Vehicle condition report. The Renter must inspect the vehicle at the time of collection and confirm the vehicle condition report accurately reflects the vehicle’s condition. Any pre-existing damage not recorded on the condition report must be brought to WopeCar’s attention before the rental commences. Failure to do so may affect eligibility for WopeCare benefits.
(g) Cooperation. The Renter must cooperate fully and promptly with WopeCar’s assessment and investigation of any damage claim, including providing photographs, a written account of events, and any other information reasonably requested by WopeCar.
(h) No double recovery. Where the Renter holds any other protection, insurance, credit card benefit or third-party coverage in respect of the same damage, WopeCar reserves the right to reduce the WopeCare benefit by the amount recoverable from such other source.
6. Claims Process
To make a WopeCare damage claim:
- Report the damage to WopeCar Support within twenty-four (24) hours of the rental period ending via:
- Phone: +233 551 478 540 / +233 531 082 028
- Email: support@wopecar.com
- In-App: Support inbox via the WopeCar mobile application
- Provide clear photographs of all damage, taken at the time of return
- Complete WopeCar’s damage report form as directed by the support team
- Allow WopeCar to assess and verify the damage against the vehicle condition report completed at collection
- WopeCar will notify the Renter of the outcome of the claim assessment within five (5) business days of receipt of all required information
WopeCar’s determination of eligibility and benefit amount is final and binding, subject to any rights the Renter may have under applicable Ghanaian consumer protection law.
7. Refunds
WopeCare fees are non-refundable once the rental period has commenced. Where a booking is cancelled before the rental period commences, the WopeCare fee will be refunded in accordance with WopeCar’s standard cancellation policy, as set out in WopeCar’s Terms of Service.
8. Limitation of Liability
WopeCar’s total liability to the Renter under any WopeCare plan is strictly limited to the maximum benefit amount of the selected plan as stated in Section 2. WopeCar shall not be liable for any indirect, consequential, special or punitive losses arising from or related to WopeCare or any damage to the rental vehicle, whether or not WopeCare applies.
9. Amendments
WopeCar reserves the right to amend the terms of WopeCare, including plan rates, benefit limits and coverage terms, at any time. Any such amendments will apply to bookings made after the date of amendment. Bookings made prior to any amendment will be governed by the WopeCare terms in effect at the time of booking.
10. Governing Law
WopeCare and these terms are governed by the laws of the Republic of Ghana. Any disputes arising in connection with WopeCare shall be subject to the exclusive jurisdiction of the courts of Ghana.
11. Contact
For questions about WopeCare, to make a claim, or to obtain a copy of these terms:
WopeCar
Impact Hub, 1aap Otswe Street
Accra, Ghana
Phone: +233 551 478 540 / +233 531 082 028
Email: support@wopecar.com
Website: wopecar.com/wopecare-terms