fix setting and add rental policies

packages/database/prisma/schema.prisma

@@ -1591,10 +1591,11 @@ model ContractSettings {
   registrationNumber        String?
   taxId                     String?
   terms                     String                 @default("")
-  fuelPolicy                String                 @default("The vehicle must be returned with the same fuel level as at pickup.")
+  fuelPolicy                String                 @default("The vehicle will be provided with the fuel level or electric battery charge percentage recorded on the rental agreement. The renter must return the vehicle with the same fuel level or, for electric vehicles, the same battery charge percentage recorded at pickup.\n\nIf the vehicle is returned with less fuel or a lower electric battery charge percentage, the renter will be charged for the missing fuel or charging shortfall at the applicable refueling or charging rate, plus any configured service fee. Charges are based on the vehicle fuel gauge or battery charge percentage and the levels recorded at the start and end of the rental.\n\nFuel or charging purchased during the rental is the renter responsibility and is not refundable. The renter should retain fuel or charging receipts until the vehicle has been returned and the rental agreement has been closed.\n\nThe renter must use the correct fuel type or charging method specified for the vehicle. Any damage caused by using the wrong fuel, charger, connector, or charging method will be charged to the renter.")
   depositPolicy             String                 @default("The security deposit is refundable within 7 days after return, subject to vehicle inspection.")
   lateFeePolicy             String                 @default("Late returns will incur a charge of 1 additional day rate per hour of delay.")
-  damagePolicy              String                 @default("The renter is liable for any damage not covered by insurance.")
+  damagePolicy              String                 @default("The renter is responsible for inspecting the vehicle at collection and confirming that all existing damage is recorded on the rental agreement or vehicle condition report. Any unrecorded damage should be reported before the vehicle is driven.\n\nThe vehicle must be returned in the same condition in which it was provided, allowing for reasonable wear from normal use.\n\nThe renter may be responsible for new bodywork, paint, glass, tyre, wheel, or interior damage; damage caused by collision, misuse, negligence, or improper driving; damage resulting from driving on unsuitable roads or in prohibited areas; damage caused by an unauthorised driver; damage caused by incorrect fuel, lost keys, or failure to secure the vehicle; and towing, recovery, assessment, repair, administration, and loss-of-use charges where applicable.\n\nAny damage waiver or protection package is subject to its stated exclusions and excess or deductible. It does not automatically remove all financial responsibility.\n\nThe renter must report any accident, theft, vandalism, or damage as soon as reasonably possible and must follow the company reporting instructions. Where required, the renter must also contact the police and obtain an official report or reference number.\n\nThe renter must not arrange or authorise repairs without prior written approval from the rental company, except where necessary to protect personal safety or prevent further immediate damage.\n\nDamage charges will be supported by available inspection records, photographs, repair estimates, invoices, or other reasonable evidence. Any security deposit may be held or applied toward valid charges under the rental agreement.")
+  additionalDriverPolicy    String                 @default("Only drivers listed and approved on the rental agreement are permitted to drive the vehicle.\n\nThis driver policy applies to the principal renter and every additional driver. Every driver must meet the minimum age requirement, present a valid driving licence accepted in the rental location, provide any additional identification reasonably requested, and comply with all terms of the rental agreement.\n\nDrivers aged 25 or older qualify for the normal rental rate. Drivers aged 18 to 24 may be accepted subject to an additional young driver fee. The fee may apply to the principal renter or to any additional driver in this age range, according to the selected charge setting and pricing rules.\n\nAn additional driver fee may apply per day or per rental according to the selected charge setting. The fee and any applicable taxes will be confirmed before the rental begins.\n\nThe primary renter remains responsible for the vehicle and for all charges, damage, fines, penalties, and breaches of the rental agreement, regardless of which approved driver was operating the vehicle.\n\nAllowing an unauthorised person to drive the vehicle is a breach of the rental agreement and may invalidate any damage waiver, protection package, or insurance coverage.")
   additionalClauses         String[]               @default([])
   signatureRequired         Boolean                @default(true)
   contractFooterNote        String?