You might already have your own travel or credit card insurance that covers rental cars. However, this usually means that in case of an accident or damage, you must first pay the excess amount to the car rental company and then claim reimbursement from your insurance provider afterward.
In practice, this can be a slow and complicated process, as insurance companies often look for reasons in the fine print to delay or refuse payment.
That’s why we always recommend choosing a rental car with Full Damage Waiver (FDW) insurance with 0€ excess fee for total peace of mind. It might cost slightly more than a basic Collision Damage Waiver (CDW) with an excess, but it’s well worth it — there’s no amount blocked on your card and no financial risk in case of damage.
At Eurocars Car Rental in Crete, FDW with 0€ excess fee is always included in our rental rates — so you’re already fully covered, with no stress and no hidden costs.