Full Застраховка for a Наем Кола. sounds simple, but every Дружество 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 до Вземане на решение whether it is worth it for your trip до Солун or Halkidiki.
The basic Застраховка every Кола. has
Every Наем Кола. in Гърция must have third-party Гражданска отговорност. It covers damage and injuries you may cause до others, meaning Други превозни средства, people or property.
Third-party liability, however, does not cover damage до the Наем Кола. itself. That is why additional covers exist, setting how much you pay if the Кола. is damaged while you drive it.
CDW and excess: the most common cover
CDW cover limits your liability for body damage до a Максимум amount, the excess. If the damage is larger than the excess, you only pay the excess and Застраховка covers the rest.
The Депозит you leave at Получаване is often equal or Затвори до the excess. So when you read the terms, look at both amounts together: how much the excess is and how much the Депозит is.
FDW or SCDW: zero or lower excess
FDW or SCDW covers reduce the excess, usually до zero or a very Малък amount. This is what most дружества mean by full Застраховка. You pay a little Още На ден and do not worry about a scratch in the Кола. park.
With full Застраховка many дружества also reduce the Депозит at Получаване. Ask specifically, because for someone with only a debit Карта this can Марка a big difference.
What is usually not covered
Even full Застраховка has exclusions. Tyres, wheels, glass, mirrors, the underside of the Кола., lost keys and damage от the wrong Гориво are often not covered. Some дружества cover them with a separate package.
Не Застраховка applies when the terms are breached: driving under the influence, a driver not named in the contract, dirt roads where forbidden, or leaving the Държава without permission. Read these lines before you sign.
When full Застраховка is worth it
It is worth it if you drive Включено unfamiliar roads, park often Включено the street or in narrow villages, or simply want до stop thinking about damage Включено holiday. In Halkidiki, with narrow roads до the beaches and full Кола. parks in August, many drivers prefer it.
If the Наем is for a few часове in the city and you drive comfortably, the basic cover with an excess may be enough. Сравняване the extra Ежедневно Разходи with the excess you would pay after damage.
Карта or third-party Застраховка
Some credit cards and insurers offer excess cover for Наем Автомобили. It usually works by reimbursement: you pay the damage до the Дружество first and then claim the Пари Назад от the insurer.
In that case the Дружество will still take the Депозит, because its own Застраховка does not change. If you want до leave Без депозит, you need до choose the Дружество’s cover or Застраховка на депозита where Свободни.
How you see it Включено Ridom
Включено each Ridom Превозно средство Страница you see Какво е включено in the Цена, the Дружество’s Допълнения and the Депозит. Where Застраховка на депозита exists, you can turn it Включено with one switch and immediately see the Ново Цена.
The Дружество’s detailed cover terms are shown before you Завършен the резервация. If something is unclear, such as tyres or glass, ask before you pay so you know exactly what applies.
Често задавани въпроси
What does excess mean Включено a Наем Кола.?
It is the Максимум amount you pay for damage до the Кола.. The rest of the Разходи of the damage is covered by Застраховка.
Does full Застраховка cover Всичко?
Not always. Tyres, glass, the underside, keys and wrong Гориво are often excluded. Read the Дружество’s terms.
Is a Депозит needed with full Застраховка?
It depends Включено the Дружество. Many reduce or Премахване the Депозит, others keep a Малък one for Гориво or fines.
Is a second driver covered?
Only if named in the contract. An undeclared driver usually voids the Застраховка in case of damage.
Is full Застраховка worth it for Halkidiki?
For many people Да, because of narrow roads and full Кола. parks in Лято. Сравняване the Ежедневно Разходи with the excess.
Полезни ресурси за местоназначението
- Discover Автомобили · What is a collision damage waiver
- Discover Автомобили · What does deductible mean
Тези маршрути са редакционни предложения. Проверете достъпа, условията и работното време, преди да пътувате.
