Full Apdrošināšana for a Noma Automašīna sounds simple, but every Uzņēmums 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 līdz Pieņemt lēmumu whether it is worth it for your trip līdz Saloniki or Halkidiki.
The basic Apdrošināšana every Automašīna has
Every Noma Automašīna in Grieķija must have third-party Civiltiesiskā atbildība. It covers damage and injuries you may cause līdz others, meaning Citi transportlīdzekļi, people or property.
Third-party liability, however, does not cover damage līdz the Noma Automašīna itself. That is why additional covers exist, setting how much you pay if the Automašīna is damaged while you drive it.
CDW and excess: the most common cover
CDW cover limits your liability for body damage līdz a Maksimums amount, the excess. If the damage is larger than the excess, you only pay the excess and Apdrošināšana covers the rest.
The Drošības nauda you leave at Saņemšana is often equal or Aizvērt līdz the excess. So when you read the terms, look at both amounts together: how much the excess is and how much the Drošības nauda is.
FDW or SCDW: zero or lower excess
FDW or SCDW covers reduce the excess, usually līdz zero or a very Mazs amount. This is what most uzņēmumi mean by full Apdrošināšana. You pay a little Vairāk Dienā and do not worry about a scratch in the Automašīna park.
With full Apdrošināšana many uzņēmumi also reduce the Drošības nauda at Saņemšana. Ask specifically, because for someone with only a debit Karte this can Marka a big difference.
What is usually not covered
Even full Apdrošināšana has exclusions. Tyres, wheels, glass, mirrors, the underside of the Automašīna, lost keys and damage no the wrong Degviela are often not covered. Some uzņēmumi cover them with a separate package.
Nē Apdrošināšana applies when the terms are breached: driving under the influence, a driver not named in the contract, dirt roads where forbidden, or leaving the Valsts without permission. Read these lines before you sign.
When full Apdrošināšana is worth it
It is worth it if you drive Ieslēgts unfamiliar roads, park often Ieslēgts the street or in narrow villages, or simply want līdz stop thinking about damage Ieslēgts holiday. In Halkidiki, with narrow roads līdz the beaches and full Automašīna parks in August, many drivers prefer it.
If the Noma is for a few stundas in the city and you drive comfortably, the basic cover with an excess may be enough. Salīdzināt the extra Katru dienu Izmaksas with the excess you would pay after damage.
Karte or third-party Apdrošināšana
Some credit cards and insurers offer excess cover for Noma Automašīnas. It usually works by reimbursement: you pay the damage līdz the Uzņēmums first and then claim the Nauda Atpakaļ no the insurer.
In that case the Uzņēmums will still take the Drošības nauda, because its own Apdrošināšana does not change. If you want līdz leave Bez drošības naudas, you need līdz choose the Uzņēmums’s cover or Drošības naudas apdrošināšana where Brīvi.
How you see it Ieslēgts Ridom
Ieslēgts each Ridom Transportlīdzeklis Lapa you see Kas ir iekļauts sarakstā in the Cena, the Uzņēmums’s Papildpakalpojumi and the Drošības nauda. Where Drošības naudas apdrošināšana exists, you can turn it Ieslēgts with one switch and immediately see the Jauns Cena.
The Uzņēmums’s detailed cover terms are shown before you Pabeigts the rezervēšana. If something is unclear, such as tyres or glass, ask before you pay so you know exactly what applies.
Biežāk uzdotie jautājumi
What does excess mean Ieslēgts a Noma Automašīna?
It is the Maksimums amount you pay for damage līdz the Automašīna. The rest of the Izmaksas of the damage is covered by Apdrošināšana.
Does full Apdrošināšana cover Viss?
Not always. Tyres, glass, the underside, keys and wrong Degviela are often excluded. Read the Uzņēmums’s terms.
Is a Drošības nauda needed with full Apdrošināšana?
It depends Ieslēgts the Uzņēmums. Many reduce or Izņemt the Drošības nauda, others keep a Mazs one for Degviela or fines.
Is a second driver covered?
Only if named in the contract. An undeclared driver usually voids the Apdrošināšana in case of damage.
Is full Apdrošināšana worth it for Halkidiki?
For many people Jā, because of narrow roads and full Automašīna parks in Vasara. Salīdzināt the Katru dienu Izmaksas with the excess.
Noderīgi mērķa resursi
- Discover Automašīnas · What is a collision damage waiver
- Discover Automašīnas · What does deductible mean
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