Touch first, read later

A day counts if you are in Schengen for any part of it

For the check date we take the 180 days ending on it. Entry and exit days count; overlapping records count once. The limit is 90 days.

Planning: day by day, like the Commission calculator

From Oct 1, 2026 the engine walks forward day by day: the window of each new day may hold no more than the limit. Past trips as of Sep 1, 2026.

Temporary protection: days under the permit do not count

While the permit is valid, days in the state that issued it are a stay under the permit. Days in other Schengen states count. Poland, though, has its own absence rule — see the second example.

True rental cost: certain, expected, worst case

The certain total is what you will definitely pay. The expected total adds the probability of damage times what you would pay from the excess (the probability is an engine assumption). The card hold and the excess are not added together: damage is charged from the deposit.

Motor TPL: why there is no price

Since Jan 1, 2025 every insurer prices by its own method. The old K1–K7 formula no longer applies, so a “formula calculator” misleads. The engine explains the rules and checks the offers you enter.

Not insurance advice: tripgen explains the rules and checks offers you enter, but never computes a policy price or recommends an insurer.