Full Försäkring for a Uthyrning Bil sounds simple, but every Företag 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 till Fatta beslut whether it is worth it for your trip till Thessaloniki or Halkidiki.
The basic Försäkring every Bil has
Every Uthyrning Bil in Grekland must have third-party Ansvarsförsäkring. It covers damage and injuries you may cause till others, meaning Övrigt fordon, people or property.
Third-party liability, however, does not cover damage till the Uthyrning Bil itself. That is why additional covers exist, setting how much you pay if the Bil is damaged while you drive it.
CDW and excess: the most common cover
CDW cover limits your liability for body damage till a Maximum amount, the excess. If the damage is larger than the excess, you only pay the excess and Försäkring covers the rest.
The Deposition you leave at Upphämtning is often equal or Stäng till the excess. So when you read the terms, look at both amounts together: how much the excess is and how much the Deposition is.
FDW or SCDW: zero or lower excess
FDW or SCDW covers reduce the excess, usually till zero or a very Små amount. This is what most företag mean by full Försäkring. You pay a little Mer Per dag and do not worry about a scratch in the Bil park.
With full Försäkring many företag also reduce the Deposition at Upphämtning. Ask specifically, because for someone with only a debit Kort this can Märke a big difference.
What is usually not covered
Even full Försäkring has exclusions. Tyres, wheels, glass, mirrors, the underside of the Bil, lost keys and damage från the wrong Bränsle are often not covered. Some företag cover them with a separate package.
Nej Försäkring applies when the terms are breached: driving under the influence, a driver not named in the contract, dirt roads where forbidden, or leaving the Land without permission. Read these lines before you sign.
When full Försäkring is worth it
It is worth it if you drive På unfamiliar roads, park often På the street or in narrow villages, or simply want till stop thinking about damage På holiday. In Halkidiki, with narrow roads till the beaches and full Bil parks in August, many drivers prefer it.
If the Uthyrning is for a few timmar in the city and you drive comfortably, the basic cover with an excess may be enough. Jämför the extra Dagligen Kostnad with the excess you would pay after damage.
Kort or third-party Försäkring
Some credit cards and insurers offer excess cover for Uthyrning Bilar. It usually works by reimbursement: you pay the damage till the Företag first and then claim the Pengar Tillbaka från the insurer.
In that case the Företag will still take the Deposition, because its own Försäkring does not change. If you want till leave Ingen deposition, you need till choose the Företag’s cover or Depositionsförsäkring where Lediga.
How you see it På Ridom
På each Ridom Fordon Sida you see Vad som ingår in the Pris, the Företag’s Tillval and the Deposition. Where Depositionsförsäkring exists, you can turn it På with one switch and immediately see the Ny Pris.
The Företag’s detailed cover terms are shown before you Fullständigt the bokning. If something is unclear, such as tyres or glass, ask before you pay so you know exactly what applies.
Vanliga frågor
What does excess mean På a Uthyrning Bil?
It is the Maximum amount you pay for damage till the Bil. The rest of the Kostnad of the damage is covered by Försäkring.
Does full Försäkring cover Allt?
Not always. Tyres, glass, the underside, keys and wrong Bränsle are often excluded. Read the Företag’s terms.
Is a Deposition needed with full Försäkring?
It depends På the Företag. Many reduce or Ta bort the Deposition, others keep a Små one for Bränsle or fines.
Is a second driver covered?
Only if named in the contract. An undeclared driver usually voids the Försäkring in case of damage.
Is full Försäkring worth it for Halkidiki?
For many people Ja, because of narrow roads and full Bil parks in Sommar. Jämför the Dagligen Kostnad with the excess.
Användbara målresurser
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