Full التأمين for a الإيجار سيارة sounds simple, but every الشركة uses the phrase a little differently. For some it means zero excess for body damage, for others it also covers glass or tyres. Here you will see what each level of cover includes, what is usually left out and how إلى اتخاذ قرار whether it is worth it for your trip إلى سالونيك or Halkidiki.
The basic التأمين every سيارة has
Every الإيجار سيارة in اليونان must have third-party تأمين المسؤولية المدنية. It covers damage and injuries you may cause إلى others, meaning أخرى المركبات, people or property.
Third-party liability, however, does not cover damage إلى the الإيجار سيارة itself. That is why additional covers exist, setting how much you pay if the سيارة is damaged while you drive it.
CDW and excess: the most common cover
CDW cover limits your liability for body damage إلى a الحد الأقصى amount, the excess. If the damage is larger than the excess, you only pay the excess and التأمين covers the rest.
The مبلغ التأمين you leave at الاستلام is often equal or إغلاق إلى the excess. So when you read the terms, look at both amounts together: how much the excess is and how much the مبلغ التأمين is.
FDW or SCDW: zero or lower excess
FDW or SCDW covers reduce the excess, usually إلى zero or a very صغير amount. This is what most الشركات mean by full التأمين. You pay a little المزيد في اليوم and do not worry about a scratch in the سيارة park.
With full التأمين many الشركات also reduce the مبلغ التأمين at الاستلام. Ask specifically, because for someone with only a debit بطاقة this can العلامة التجارية a big difference.
What is usually not covered
Even full التأمين has exclusions. Tyres, wheels, glass, mirrors, the underside of the سيارة, lost keys and damage ابتداءً من the wrong الوقود are often not covered. Some الشركات cover them with a separate package.
لا التأمين applies when the terms are breached: driving under the influence, a driver not named in the contract, dirt roads where forbidden, or leaving the البلد without permission. Read these lines before you sign.
When full التأمين is worth it
It is worth it if you drive مفعّل unfamiliar roads, park often مفعّل the street or in narrow villages, or simply want إلى stop thinking about damage مفعّل holiday. In Halkidiki, with narrow roads إلى the beaches and full سيارة parks in August, many drivers prefer it.
If the الإيجار is for a few الساعات in the city and you drive comfortably, the basic cover with an excess may be enough. قارن the extra يومي التكلفة with the excess you would pay after damage.
بطاقة or third-party التأمين
Some credit cards and insurers offer excess cover for الإيجار السيارات. It usually works by reimbursement: you pay the damage إلى the الشركة first and then claim the المال رجوع ابتداءً من the insurer.
In that case the الشركة will still take the مبلغ التأمين, because its own التأمين does not change. If you want إلى leave بدون مبلغ تأمين, you need إلى choose the الشركة’s cover or تأمين الوديعة where متاحة.
How you see it مفعّل Ridom
مفعّل each Ridom المركبة صفحة you see ما هو مشمول in the السعر, the الشركة’s الإضافات and the مبلغ التأمين. Where تأمين الوديعة exists, you can turn it مفعّل with one switch and immediately see the جديد السعر.
The الشركة’s detailed cover terms are shown before you اكمل the الحجز. If something is unclear, such as tyres or glass, ask before you pay so you know exactly what applies.
الأسئلة الشائعة
What does excess mean مفعّل a الإيجار سيارة?
It is the الحد الأقصى amount you pay for damage إلى the سيارة. The rest of the التكلفة of the damage is covered by التأمين.
Does full التأمين cover كل شيء?
Not always. Tyres, glass, the underside, keys and wrong الوقود are often excluded. Read the الشركة’s terms.
Is a مبلغ التأمين needed with full التأمين?
It depends مفعّل the الشركة. Many reduce or أزل the مبلغ التأمين, others keep a صغير one for الوقود or fines.
Is a second driver covered?
Only if named in the contract. An undeclared driver usually voids the التأمين in case of damage.
Is full التأمين worth it for Halkidiki?
For many people نعم, because of narrow roads and full سيارة parks in الصيف. قارن the يومي التكلفة with the excess.
موارد المقصد المفيدة
هذه الطرق هي اقتراحات تحريرية. تحقق من الدخول، الشروط وساعات العمل الحالية قبل السفر.
