Full Pojištění for a Pronájem Auto sounds simple, but every Společnost 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 do Rozhodnout whether it is worth it for your trip do Soluň or Halkidiki.
The basic Pojištění every Auto has
Every Pronájem Auto in Řecko must have third-party Pojištění odpovědnosti. It covers damage and injuries you may cause do others, meaning Ostatní vozidla, people or property.
Third-party liability, however, does not cover damage do the Pronájem Auto itself. That is why additional covers exist, setting how much you pay if the Auto is damaged while you drive it.
CDW and excess: the most common cover
CDW cover limits your liability for body damage do a Maximum amount, the excess. If the damage is larger than the excess, you only pay the excess and Pojištění covers the rest.
The Kauce you leave at Vyzvednutí is often equal or Zavřít do the excess. So when you read the terms, look at both amounts together: how much the excess is and how much the Kauce is.
FDW or SCDW: zero or lower excess
FDW or SCDW covers reduce the excess, usually do zero or a very Malá amount. This is what most společnosti mean by full Pojištění. You pay a little Více Za den and do not worry about a scratch in the Auto park.
With full Pojištění many společnosti also reduce the Kauce at Vyzvednutí. Ask specifically, because for someone with only a debit Karta this can Značka a big difference.
What is usually not covered
Even full Pojištění has exclusions. Tyres, wheels, glass, mirrors, the underside of the Auto, lost keys and damage od the wrong Palivo are often not covered. Some společnosti cover them with a separate package.
Ne Pojištění applies when the terms are breached: driving under the influence, a driver not named in the contract, dirt roads where forbidden, or leaving the Země without permission. Read these lines before you sign.
When full Pojištění is worth it
It is worth it if you drive Zapnuto unfamiliar roads, park often Zapnuto the street or in narrow villages, or simply want do stop thinking about damage Zapnuto holiday. In Halkidiki, with narrow roads do the beaches and full Auto parks in August, many drivers prefer it.
If the Pronájem is for a few hodiny in the city and you drive comfortably, the basic cover with an excess may be enough. Porovnat the extra Denně Náklady with the excess you would pay after damage.
Karta or third-party Pojištění
Some credit cards and insurers offer excess cover for Pronájem Auta. It usually works by reimbursement: you pay the damage do the Společnost first and then claim the Peníze Zpět od the insurer.
In that case the Společnost will still take the Kauce, because its own Pojištění does not change. If you want do leave Bez kauce, you need do choose the Společnost’s cover or Pojištění kauce where Volné.
How you see it Zapnuto Ridom
Zapnuto each Ridom Vozidlo Stránka you see Co je zahrnuto in the Cena, the Společnost’s Doplňky and the Kauce. Where Pojištění kauce exists, you can turn it Zapnuto with one switch and immediately see the Nové Cena.
The Společnost’s detailed cover terms are shown before you Kompletní the rezervace. If something is unclear, such as tyres or glass, ask before you pay so you know exactly what applies.
Časté dotazy
What does excess mean Zapnuto a Pronájem Auto?
It is the Maximum amount you pay for damage do the Auto. The rest of the Náklady of the damage is covered by Pojištění.
Does full Pojištění cover Vše?
Not always. Tyres, glass, the underside, keys and wrong Palivo are often excluded. Read the Společnost’s terms.
Is a Kauce needed with full Pojištění?
It depends Zapnuto the Společnost. Many reduce or Odstranit the Kauce, others keep a Malá one for Palivo or fines.
Is a second driver covered?
Only if named in the contract. An undeclared driver usually voids the Pojištění in case of damage.
Is full Pojištění worth it for Halkidiki?
For many people Ano, because of narrow roads and full Auto parks in Léto. Porovnat the Denně Náklady with the excess.
Užitečné cílové zdroje
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