Rent a car Crete: everything you need to know about the insurance

Are you planning your summer vacation in Greece and thinking about spending it on the island of Crete? Crete is a stunning summer destination but remember that it is necessary to rent a car as it is a large island with numerous points of interest located away from each other. You can rent a car Crete online in order to find super deals but remember to read carefully the contract. Do you feel confused with all these terms and especially the terminology about the rental insurance? Read here the four types of insurance for renting a car in Crete in order to know what you really need.

Collision Damage Waiver (CDW)

The collision damage waiver or loss damage waiver, which is offered by the rental car company, means that you don’t have to pay to repair or replace the rental car, if it is damaged or stolen. This protection is provided under the condition that the car is not driven by an unauthorized driver or recklessly. We highly recommend you buying this type of insurance when renting a car in Crete.

Collision Damage Waiver

Supplemental Liability Protection (SLP)

Liability insurance covers damages to other people’s property, namely their cars, as well as medical costs for other people’s injuries in case of an accident, in which the driver of the car rental company is legally responsible for. Rental companies in Crete provide the minimum coverage as a part of the rental contract. Read in the contract the amount of your liability coverage, and if it is too low, then it is wise to buy supplemental liability protection.

Personal Accident Insurance (PAI)

The personal accident insurance provides medical, ambulance and death benefits for the driver and the passengers of the rental car in case of an accident. Keep in mind that many of these benefits duplicate coverage you may already have under your health or life insurance in your country. However, if you are a non-EU traveller and you want to rent a car in Crete, then your country’s health insurance may not be accepted. In this case, we recommend you buying the personal accident insurance.

Personal Accident Insurance

Personal Effects Coverage (PEC)

The personal effects coverage provides a specific amount of money for theft of personal items of the renter and his/ her family up to a limit. This type of insurance may already be included in the contract, so check your policy documents to be sure. Plus, if you have travel insurance for baggage loss and damage benefits, you are protected if your baggage is lost, damaged or stolen while you are traveling. In this case, this type of insurance is unnecessary. But again, if you are a non-EU traveller, check the requirements of your insurance when you travel in Crete.