Plot Sigurimi for a Qira Makinë sounds simple, but every Kompania 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 dhe how Deri Vendos whether it is worth it for your trip Deri Selanik or Halkidiki.
The basic Sigurimi every Makinë has
Every Qira Makinë në Greqi must have third-party Sigurimi i përgjegjësisë. It covers damage dhe injuries you may cause Deri others, meaning Të tjera Mjetet, people or property.
Third-party liability, however, does not cover damage Deri the Qira Makinë itself. That is why additional covers exist, setting how much you pay if the Makinë is damaged while you drive it.
CDW dhe excess: the most common cover
CDW cover limits your liability for body damage Deri a Maksimumi amount, the excess. If the damage is larger than the excess, you only pay the excess dhe Sigurimi covers the rest.
The Depozita you leave at MARRJA is often equal or Mbyll Deri the excess. So when you read the terms, look at both amounts together: how much the excess is dhe how much the Depozita is.
FDW or SCDW: zero or lower excess
FDW or SCDW covers reduce the excess, usually Deri zero or a very I VOGËL amount. This is what most kompani mean by Plot Sigurimi. You pay a little Më shumë Në ditë dhe do not worry about a scratch in the Makinë park.
With Plot Sigurimi many kompani also reduce the Depozita at MARRJA. Ask specifically, because for someone with only a debit KARTË this can Marka a big difference.
What is usually not covered
Even Plot Sigurimi has exclusions. Tyres, wheels, glass, mirrors, the underside of the Makinë, lost keys dhe damage Nga the wrong Karburanti are often not covered. Some kompani cover them with a separate package.
Jo Sigurimi applies when the terms are breached: driving under the influence, a driver not named in the contract, dirt roads where forbidden, or leaving the Shteti without permission. Read these lines before you sign.
When Plot Sigurimi is worth it
It is worth it if you drive Aktivizuar unfamiliar roads, park often Aktivizuar the street or in narrow villages, or simply want Deri stop thinking about damage Aktivizuar holiday. In Halkidiki, with narrow roads Deri the beaches dhe Plot Makinë parks in August, many drivers prefer it.
If the Qira is for a few orë in the city dhe you drive comfortably, the basic cover with an excess may be enough. Krahaso the extra Ditor Kostoja with the excess you would pay after damage.
Kartë or third-party Sigurimi
Some credit cards dhe insurers offer excess cover for Qira Makina. It usually works by reimbursement: you pay the damage Deri the Kompania first dhe then claim the Paratë Kthehu Nga the insurer.
In that case the Kompania will still take the Depozita, because its own Sigurimi does not change. If you want Deri leave Pa depozitë, you need Deri choose the Kompania’s cover or Sigurim i depozitës where I disponueshëm.
How you see it Aktivizuar Ridom
Aktivizuar each Ridom MJETI Faqja you see Çfarë përfshihet in the Çmimi, the Kompania’s Shtesa dhe the Depozita. Where Sigurim i depozitës exists, you can turn it Aktivizuar with one switch dhe immediately see the I ri Çmimi.
The Kompania’s detailed cover terms are shown before you E plotë the Rezervim. If something is unclear, such as tyres or glass, ask before you pay so you know exactly what applies.
Pyetje të shpeshta
What does excess mean Aktivizuar a Qira Makinë?
It is the Maksimumi amount you pay for damage Deri the Makinë. The rest of the Kostoja of the damage is covered by Sigurimi.
Does Plot Sigurimi cover Gjithçka?
Not always. Tyres, glass, the underside, keys dhe wrong Karburanti are often excluded. Read the Kompania’s terms.
Is a Depozita needed with Plot Sigurimi?
It depends Aktivizuar the Kompania. Many reduce or Hiq the Depozita, others keep a I VOGËL one for Karburanti or fines.
Is a second driver covered?
Only if named in the contract. An undeclared driver usually voids the Sigurimi in case of damage.
Is Plot Sigurimi worth it for Halkidiki?
For many people Po, because of narrow roads dhe Plot Makinë parks in Vera. Krahaso the Ditor Kostoja with the excess.
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