Full Poistenie for a Prenájom Auto sounds simple, but every Spoločnosť 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 Rozhodnúť whether it is worth it for your trip do Solún or Halkidiki.
The basic Poistenie every Auto has
Every Prenájom Auto in Grécko must have third-party Poistenie zodpovednosti. It covers damage and injuries you may cause do others, meaning Ostatné vozidlá, people or property.
Third-party liability, however, does not cover damage do the Prenájom 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 Poistenie covers the rest.
The Kaucia you leave at Vyzdvihnutie is often equal or Zavrieť do the excess. So when you read the terms, look at both amounts together: how much the excess is and how much the Kaucia is.
FDW or SCDW: zero or lower excess
FDW or SCDW covers reduce the excess, usually do zero or a very Malé amount. This is what most spoločnosti mean by full Poistenie. You pay a little Viac Za deň and do not worry about a scratch in the Auto park.
With full Poistenie many spoločnosti also reduce the Kaucia at Vyzdvihnutie. Ask specifically, because for someone with only a debit Karta this can Značka a big difference.
What is usually not covered
Even full Poistenie has exclusions. Tyres, wheels, glass, mirrors, the underside of the Auto, lost keys and damage od the wrong Palivo are often not covered. Some spoločnosti cover them with a separate package.
Nie Poistenie applies when the terms are breached: driving under the influence, a driver not named in the contract, dirt roads where forbidden, or leaving the Krajina without permission. Read these lines before you sign.
When full Poistenie is worth it
It is worth it if you drive Zapnuté unfamiliar roads, park often Zapnuté the street or in narrow villages, or simply want do stop thinking about damage Zapnuté holiday. In Halkidiki, with narrow roads do the beaches and full Auto parks in August, many drivers prefer it.
If the Prenájom is for a few hodiny in the city and you drive comfortably, the basic cover with an excess may be enough. Porovnanie the extra Denne Náklady with the excess you would pay after damage.
Karta or third-party Poistenie
Some credit cards and insurers offer excess cover for Prenájom Autá. It usually works by reimbursement: you pay the damage do the Spoločnosť first and then claim the Peniaze Späť od the insurer.
In that case the Spoločnosť will still take the Kaucia, because its own Poistenie does not change. If you want do leave Bez kaucie, you need do choose the Spoločnosť’s cover or Poistenie depozitu where Voľné.
How you see it Zapnuté Ridom
Zapnuté each Ridom Vozidlo Stránka you see Čo je zahrnuté in the Cena, the Spoločnosť’s Doplnky and the Kaucia. Where Poistenie depozitu exists, you can turn it Zapnuté with one switch and immediately see the Nové Cena.
The Spoločnosť’s detailed cover terms are shown before you Kompletné the rezervácia. If something is unclear, such as tyres or glass, ask before you pay so you know exactly what applies.
Časté otázky
What does excess mean Zapnuté a Prenájom Auto?
It is the Maximum amount you pay for damage do the Auto. The rest of the Náklady of the damage is covered by Poistenie.
Does full Poistenie cover Všetko?
Not always. Tyres, glass, the underside, keys and wrong Palivo are often excluded. Read the Spoločnosť’s terms.
Is a Kaucia needed with full Poistenie?
It depends Zapnuté the Spoločnosť. Many reduce or Odstrániť the Kaucia, others keep a Malé one for Palivo or fines.
Is a second driver covered?
Only if named in the contract. An undeclared driver usually voids the Poistenie in case of damage.
Is full Poistenie worth it for Halkidiki?
For many people Áno, because of narrow roads and full Auto parks in Leto. Porovnanie the Denne Náklady with the excess.
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