Hiring a car in Crete offers the flexibility to explore the island’s beaches, villages, and hidden corners at your own pace. But before you drive off, it’s essential to understand the car rental insurance that comes with your vehicle – and what doesn’t. Many travellers overlook the fine print, only to find themselves facing unexpected charges later. In this guide, we break down the key insurance terms, options, and practical tips to help you make informed choices when renting a car in Crete.
Basic Insurance Coverage: What’s Typically Included
When you rent a car in Crete, the rental price usually includes the legally required minimum cover. This typically consists of:
1. Third-Party Liability Insurance (TPL)
This covers damages or injuries caused to other drivers, vehicles, or property. It does not cover damage to your rental vehicle.
2. Collision Damage Waiver (CDW)
CDW reduces your financial liability if the rental car is damaged. However, there’s usually an excess (deductible) – an amount you must pay out of pocket if damage occurs.
3. Theft Protection (TP)
This covers loss due to theft of the rental car. Again, it typically comes with an excess.
Important: None of the above insurances usually cover damage to tyres, glass (windscreens, windows), undercarriage, or roof unless stated otherwise.
Optional Add-Ons: Reducing Your Financial Risk
If you prefer peace of mind while driving, you can reduce or eliminate excess charges with these optional covers:
1. Super Collision Damage Waiver (SCDW)
SCDW lowers the excess significantly or removes it entirely. It’s a good option for travellers who want to avoid large out-of-pocket costs in case of minor damage.
2. Full Damage Waiver (FDW) or Zero Excess Cover
This often includes damage to windows, tyres, mirrors, and the undercarriage – things not covered under basic CDW.
3. Personal Accident Insurance (PAI)
PAI covers medical costs for the driver and passengers in case of an accident. It may also include emergency transport and, in some cases, accidental death benefits.
4. Roadside Assistance
Some car hire companies include basic assistance, but you may want to check if 24/7 breakdown coverage and towing are included or offered at an additional cost.
What’s Often Not Covered
Even comprehensive packages have limits. Here are common exclusions:
- Off-road driving: Damages sustained off paved roads are usually not covered.
- Negligence or traffic violations: If you’re driving under the influence or breaking traffic laws, insurance is invalidated.
- Unreported incidents: Failing to report damage or theft promptly may void your cover.
- Lost keys or documents: These are often billed separately and not included in any insurance plan.
Credit Card Insurance: A Word of Caution
Some travellers assume their credit card offers insurance for rental cars abroad. While some premium cards do, there are a few things to keep in mind:
- Not all cards cover Greece. Always confirm with your provider.
- Exclusions are common: Many do not cover theft, undercarriage damage, or tyres.
- You may have to decline the rental company’s insurance for the credit card cover to apply – which can be risky if terms are unclear.
If you rely on this option, carry documentation and understand the claims process. You may have to pay upfront and claim reimbursement later.
Tips for a Smooth Rental Experience in Crete
To avoid problems, keep these steps in mind:
- Inspect the vehicle before driving off. Take photos and ensure existing damages are marked on the agreement.
- Ask for clarity. Don’t hesitate to ask the rental agent what is covered, what isn’t, and what your maximum liability is.
- Review the insurance terms. If anything is unclear, ask for it in writing.
- Know the process for reporting accidents or theft. You’ll usually need a police report and to notify the rental company immediately.
- Drive cautiously and legally. Respect local road laws and avoid driving in mountainous or rough terrain unless allowed.
Understanding Excess: The Bottom Line
Here’s how excess works in simple terms:
- With CDW only: You’re liable for up to a certain amount (e.g. €700–€1,200).
- With SCDW or FDW: Your liability may be reduced to €0.
- Without proper cover: You pay the full cost of repairs or replacement.
Make sure you’re comfortable with the level of risk you’re assuming. It’s often worth paying a little more for extra cover, rather than risking large unexpected expenses later.
Final Thoughts: Drive Smart with Confidence
Understanding the car rental insurance landscape in Crete is essential for a safe and worry-free trip. While the roads of Crete lead to beautiful destinations, they can also present unexpected challenges – from tight village streets to uneven terrain. The right insurance not only protects your wallet but also lets you enjoy the journey with peace of mind.
MYTHOS Car Rentals offers clear and comprehensive insurance options as part of its commitment to customer satisfaction. Whether you’re hiring a car at Heraklion Airport, Chania Airport, or elsewhere on the island, we make it easy to rent with confidence. With transparent pricing, full coverage options, and reliable airport service, you can focus on enjoying Crete – not worrying about fine print.