Renting a car in Greece is one of the best ways to explore the country’s stunning islands, ancient ruins, and beautiful beaches. However, understanding car rental insurance is essential to ensure that you are fully protected. If you’re planning to rent a car in Greece, this guide will explain everything you need about car rental insurance options, coverage types, and tips for a safe and smooth journey.
Car rental insurance is essential because it protects you financially in case of an accident, theft, or damage to the rental vehicle. Driving in a foreign country like Greece may present challenges, such as unfamiliar roads, different driving rules, and unexpected hazards. Having proper insurance coverage ensures peace of mind during your travels.
When renting a car in Greece, you’ll typically encounter several types of car rental insurance. Understanding these options will help you choose the coverage that suits your needs.
The Collision Damage Waiver is a widely available form of insurance at most car rental companies in Greece. CDW limits your financial responsibility if the rental car sustains damage during an accident. Typically, there’s an excess amount that you must pay out of pocket, which can be high. CDW does not cover damage to specific areas of the vehicle, such as tyres, windows, or undercarriage.
For added protection, you can opt for the Super Collision Damage Waiver. This insurance lowers the excess amount, and in some cases, it can even reduce it to zero, depending on the provider. SCDW provides more comprehensive coverage, meaning you won’t have to worry as much about paying for repairs in case of damage. This insurance is ideal for travel in remote or challenging areas.
Theft Protection covers you if the rental car gets stolen. Although car theft rates are relatively low in Greece, it is still advisable to have this coverage. TP lowers your liability in the event of theft, but, like CDW, you may still have to pay an excess amount. It’s important to know that Theft Protection usually does not cover personal belongings in the car.
Third-Party Liability Insurance is mandatory in Greece and included in the rental price. This insurance covers any damage or injury you may cause to others or property while driving. However, it does not cover damage to your rental vehicle.
Personal Accident Insurance covers medical expenses if you or your passengers suffer injuries in an accident. While this insurance is optional, it can be helpful, especially if you don’t have international travel insurance that covers medical emergencies.
Some rental companies in Greece offer complete insurance packages that combine CDW, SCDW, Theft Protection, and Third-Party Liability. These packages often come with zero or low excess, providing complete peace of mind. However, they tend to be more expensive, so consider your travel plans and budget before opting for this.
While car rental insurance in Greece offers good protection, it’s crucial to understand what’s not covered:
Read your rental agreement to know what is and isn’t covered.
Car rental insurance can add up, especially if you opt for additional coverage like SCDW or complete insurance packages. Here are a few ways to lower your insurance costs while remaining protected.
Many credit cards offer rental car insurance as a benefit. If your credit card includes this, you may not need to purchase extra insurance from the rental company. However, check the details to ensure the coverage applies in Greece and meets your needs.
Excess insurance, also known as deductible insurance, covers the excess amount you would need to pay in the event of damage. You can buy this insurance through a third-party provider, often at a lower cost than the rental company offers.
When you rent a car directly through a reputable rental company, you can often find better deals on insurance. Some companies also offer discounted insurance packages if you book in advance.
If you’re comfortable with a higher excess, you can opt for the basic CDW and Third-Party Liability insurance, usually included in the rental price. This option is cheaper, but make sure you’re prepared to pay the excess in case of an accident.
No one wants to think about accidents while on holiday, but knowing what to do in case of one is significant. If you’re in an accident while driving a rental car in Greece, follow these steps:
Ensure that everyone is safe, and if there are injuries, call emergency services immediately (112 is the emergency number in Greece).
Call the car rental company as soon as possible to report the accident. They will guide you through the following steps and tell you what information they need from you.
In Greece, you must report any accident involving damage or injury to the police. Ensure you get a copy of the police report, as the rental company may require it when processing insurance claims.
Take photos of the damage to the car, other vehicles involved, and the accident site. This documentation will help when filing an insurance claim.
Avoid admitting fault or signing any documents that might impact your insurance claim. Let the police and the rental company handle the legal details.
Driving in Greece is safe but may differ from what you are used to. Understanding the local driving customs and regulations can enhance your experience and keep you safe on the roads.
It is important to remember to drive on the right side of the road, as cars in Greece operate on the right-hand side. This change in driving orientation can take some adjustment for drivers from the UK or other countries where driving is on the left. Be particularly mindful at intersections and roundabouts, as the traffic flow may feel unfamiliar. Additionally, ensure that all passengers wear seatbelts and that children are securely placed in appropriate child seats, as this law is mandatory.
Be mindful of the speed limits, which vary by area. Generally, the speed limit is 50 km/h (31 mph) in cities and 90 km/h (56 mph) on highways. The limit can go up to 130 km/h (81 mph) on certain motorways. Always check the signs and adhere to these limits, as speed cameras are frequently employed, and fines can be steep for violations. It is advisable to set your GPS to alert you to speed limits and to stay within them to avoid penalties.
Be cautious of narrow, winding roads, especially in rural areas. In mountainous regions, be prepared for steep inclines and declines, and keep an eye out for oncoming traffic, as passing can be difficult. Additionally, many small villages have roads that may not accommodate two vehicles side by side, prepare to yield to oncoming cars or find a place to pull over if necessary.
Lastly, parking can be challenging in busy tourist areas, so park only in designated spaces to avoid fines. In popular destinations, parking lots may fill up quickly, so arriving early in the day can help secure a spot. Familiarise yourself with parking regulations, as some areas require a parking disc that you can get from local shops or the rental agency. Additionally, always check for signs indicating restrictions, such as no parking zones, as ignoring these can lead to costly fines or towing. If parking on the street, be cautious of parking attendants who may require payment.
By keeping these tips in mind, you can navigate the roads of Greece safely and enjoy all the beautiful scenery and attractions the country has to offer.
Car rental insurance is advisable when renting a car in Greece. Even though Third-Party Liability insurance is mandatory, additional coverage like CDW, Theft Protection, and SCDW can save you from unexpected costs. The roads in Greece can be unfamiliar, and having the right insurance gives you peace of mind, knowing you are protected.
At Finalrentals, we offer flexible and affordable car rental options to suit your needs. We have got you covered for both standard and comprehensive insurance packages. We aim to make your car rental experience in Greece smooth and stress-free.
Understanding car rental insurance in Greece is essential for a worry-free experience. By knowing the types of insurance available and choosing the right coverage, you can protect yourself from unexpected costs. Be sure to review the details of each insurance option and read the rental agreement carefully. We aim to ensure a hassle-free and stress-free car rental experience in Greece.
Ready to start your adventure? Rent a Car in Greece with Finalrentals today and enjoy your trip with total peace of mind!
