MotoGuru Safety Program (MDP)
Protection against damage risks
Which risks are covered?
Damage to motorcycles, quad bikes, scooters and personal watercraft is compensated if it results from the following risks:
- road traffic accidents, including collisions in car parks, forests and other areas separate from roads;
- damage caused by objects falling onto the equipment;
- damage caused by the equipment falling, including in forests and off-road areas;
- damage caused by spontaneous combustion of the equipment;
- damage caused by storms, hail or flooding;
- other damage to the equipment, except for cases specified in the terms as not eligible for compensation.
When does the protection not apply?
The protection does not apply if damage occurs:
- due to improper use of the equipment or negligence, or operation contrary to its technical specifications;
- if the equipment was not used for its intended purpose;
- if the equipment was driven or used by a person under the influence of alcohol, narcotic substances, medication or psychotropic substances;
- if the equipment was driven or used by a person who did not hold a driving licence for the appropriate category;
- if the equipment was deliberately damaged or reasonable steps were not taken to protect it;
- if the damage is not reported properly and promptly to the Lessor and the competent authorities;
- if the equipment (motorcycles, quad bikes, scooters or buggies) was used in a swamp, in water deeper than 20 cm, on ice or underground;
- in cases involving exceptional weather conditions or circumstances beyond reasonable control (force majeure);
- in the case of tyre damage (cuts, punctures, tears or other mechanical defects);
- theft
- in other cases specified in the terms.
How much does damage protection cost?
- The fee for any equipment is EUR 20 per day
- The excess for motorcycles and scooters is 15% of the damage amount, but no less than EUR 300
- The excess for quad bikes and personal watercraft is 30% of the damage amount, but no less than EUR 300
MotoGuru Safety Program terms (agreement)
I. DEFINITIONS
1. Lessor — SIA “Motoguru”, registration No. 40203196144, registered address: “Kalnu niedras”, Jūrmala; operating address: Līdaku iela 7, Rīga, LV-1002.
2. Renter — a natural or legal person who has entered into a Rental Agreement with the Lessor, under which equipment owned by the Lessor is provided to the Renter for a fee in accordance with the Rental Agreement.
3. Handover and Acceptance Report — a document concluded between the Lessor and the Renter for handing over the equipment for rental or accepting it back from the Renter, containing photographs of the equipment, the renter's details, and the date and time of handover and acceptance.
4. Service — the MotoGuru Safety Program, a service concerning equipment damage which, for an additional fee alongside the Rental Cooperation Agreement between the Lessor and the Renter, provides for a reduction in financial liability for damage to or total loss of the rented equipment during the rental period.
5. Agreement — an addendum to the Rental Cooperation Agreement, or a section of that agreement concerning protection against the risk of equipment damage, concluded on the basis of these terms and the Handover and Acceptance Reports.
6. Parties — the Lessor and the Renter.
7. Party — either the Lessor or the Renter individually.
8. Territorial coverage — the Republic of Latvia.
II. GENERAL TERMS
9. The Parties acknowledge that:
9.1. During the rental period, the Renter must keep the rented equipment in good condition, return it in a condition no worse than at the start of the rental period, allowing for normal wear and tear, and compensate for losses;
9.2. The Rental Agreement provides that the Renter is liable in all cases for the loss, destruction of or damage to the equipment, and must reimburse the Lessor for the value of the damaged or worn equipment or its individual parts;
9.3. The Renter is and remains liable for the equipment, but wishes to reduce the risk of having to pay compensation in the event of destruction, damage or disappearance of the equipment or its parts;
9.4. The Safety Program Agreement is valid if an agreement on the Safety Program has been included in addition to the Rental Agreement, the Renter has complied with the Rental Agreement and the Safety Program terms, and the Renter has paid the Lessor's invoices within the period specified in the Rental Agreement;
9.5. In all cases, the Lessor reduces the Renter's financial liability for damage to or total loss of the rented equipment during the rental period by no more than 85%. In all circumstances, the Renter remains liable for 15–30% (the Renter's excess) of the total loss amount calculated by the Lessor. The Renter pays compensation of 15% for motorcycles and scooters and 30% for quad bikes and personal watercraft (the Renter's excess) in accordance with the invoices issued by the Lessor and the terms of the Rental Agreement;
9.6. The risk protection program applies only if the Renter's losses are not compensated under the Renter's insurance agreement and if no insurance agreement has been concluded.
III. SAFETY PROGRAM TERMS
10. The risk protection program is valid between the Parties throughout Europe, unless the Parties have agreed otherwise in writing.
11. The risk protection program applies to the equipment specified in the agreement which has been placed in the Renter's use (possession).
12. The Safety Program applies from the moment the Lessor hands over and the Renter accepts the equipment under the Rental Agreement until the equipment is returned to the Lessor and a return Handover and Acceptance Report is prepared.
13. The risk protection program partially releases the Renter from contractual liability to the Lessor arising from the Rental Agreement. Under this program, the Renter's minimum excess is EUR 300.00 (three hundred euros).
14. The Safety Program covers equipment repair costs and, in certain cases, the full value of the equipment in the event of its total loss.
15. Under the Safety Program, the Lessor undertakes to release the Renter from, or reduce, financial liability to the Lessor arising from sudden and unforeseen damage to or destruction of the equipment, except for the exclusions specified in these terms.
16. Exclusions from the Safety Program in relation to the Renter's financial liability:
16.1. terrorism (acts of terrorism or their consequences, regardless of any other causes which, by coincidence or otherwise, contributed to the loss, damage or expense. For the purposes of this condition, terrorism means violence or dangerous acts that threaten human life, tangible or intangible property, or infrastructure, with the aim of influencing any government or keeping the public or any section of it in a state of fear);
16.2. war, military invasion, civil war, rebellion, revolution, insurrection, or usurpation of military or other power;
16.3. strikes, unrest, resistance movements, the imposition of a curfew or a siege, or other circumstances and events followed by a siege or curfew;
16.4. confiscation, compulsory takeover, requisition, nationalisation and/or other compulsory orders by government and/or municipal authorities;
16.5. the use of unsuitable and/or poor-quality materials or parts;
16.6. malicious intent, unlawful acts or gross negligence by the Renter's employees who use the equipment;
16.7. breaches of applicable laws and regulations, building standards, technical operating rules and/or fire safety rules;
16.8. blasting operations;
16.9. defects resulting from operating the equipment under excessive load or in unsuitable conditions, or failing to maintain normal operating conditions (engine overheating, excessive maximum engine speed or a burnt-out clutch);
16.10. cosmetic defects resulting from improper transportation of the equipment (trailer or cargo van);
16.11. use of the equipment under the influence of alcohol, narcotic substances or other toxic/psychotropic substances; this also applies if the driver has evaded or refused testing for alcohol, narcotic, psychotropic or other intoxicating substances, or has used such substances after a road traffic accident and before the test;
16.12. the same cause that previously resulted in losses compensated under the Safety Program, if, after the first loss event, the Renter received specific and reasonable recommendations from the Lessor on eliminating that cause but failed to take appropriate measures to remedy the existing defect;
16.13. a defect or other hazard that caused a subsequent loss, if it was known or should have been known to the Renter before the Safety Program took effect or within a reasonable period before the loss event, allowing the hazard to be eliminated;
16.14. the effects of electromagnetic fields and/or electromagnetic radiation, including emissions;
16.15. exposure to ionising radiation or radioactive contamination, nuclear fuel, nuclear waste, nuclear weapons or nuclear materials;
16.16. fraud, misappropriation or extortion;
16.17. equipment located or used in the immediate vicinity of water, including rivers, ponds, lakes, large puddles or ferry crossings (except personal watercraft);
16.18. equipment used without the relevant category of driving/operating entitlement, where such entitlement is required by law;
16.19. equipment that has been sublet;
16.20. any consequential losses (including, but not limited to, sanctions, penalties, lost profit and/or downtime costs);
16.21. loss or damage resulting from any criminal offence;
16.22. loss or damage resulting from theft, robbery or vandalism;
16.23. failure by the Renter to pay the Lessor's invoices in accordance with the Rental Agreement;
16.24. failure by the Renter to report the loss within 24 hours of the event or of becoming aware of it;
16.25. false information provided about the circumstances or extent of the loss;
16.26. losses arising from minor external defects in the equipment, such as scratches, or from removing graffiti or stickers;
16.27. losses, including scratches, caused by the driver's or passenger's gear (including knee guards, boots, jacket, trousers and other items) or by luggage being improperly secured to the equipment;
16.28. circumstances in which the extent or cause of the loss cannot be established.
17. In the event of loss involving the equipment, the Renter must notify the Lessor without undue delay, and no later than 24 hours after the event or becoming aware of it, and must take the following mandatory steps:
17.1. take measures to prevent the loss from increasing;
17.2. in accordance with the procedure required by law and the nature of the incident, notify the police or fire and rescue service responsible for the relevant rescue work or investigation;
17.3. record the circumstances of the loss, such as the registration number of the other vehicle involved in the accident, witness details, conditions at the scene and other information that may help establish the circumstances;
17.4. take photographs or video footage where possible;
17.5. do everything reasonably possible to obtain evidence confirming the damage or loss and the fault of third parties;
17.6. inform the Lessor, providing a description of the incident, an estimate of the loss and any other information that may help establish the circumstances.
IV. MANDATORY ACTION IN THE EVENT OF DAMAGE TO THE EQUIPMENT
18. Ensure that people near the equipment are protected from any danger and are safe.
19. Following an accident, provide first aid. If anyone is injured, immediately call the emergency services on 112 and follow their instructions.
20. Take measures to maintain general safety, prevent the loss from increasing and preserve the Lessor's property.
21. Take any other reasonable measures that could reasonably be expected in the circumstances.
22. In accordance with the procedure required by law and the nature of the incident, notify the police, fire and rescue service or another authority (such as the State Environmental Service) responsible for the relevant rescue work or investigation.
23. Record the circumstances of the loss, such as the registration number of the other vehicle involved in the accident, witness details, conditions at the scene and other information that may help establish the circumstances.
24. Inform the Lessor, providing a description of the incident, an estimate of the loss and any other information that may help establish the circumstances, and agree with the Lessor on further action.
Version dated 1 April 2026
SIA “Motoguru”, registration No. 40203196144
Registered address: “Kalnu Niedras”, Jūrmala, LV2010
Operating address: Līdaku iela 7, Rīga
Tel.: +371 2 9356000
Email: info@motogurunoma.lv