Car rental insurance in Crete — zero excess from 27

The rule, by age

• 27 and over: full insurance with zero excess, included in the price. You pay nothing towards covered damage.
• Under 27: basic insurance with a €1,200 excess — the most you would pay towards covered damage.
• Under 27, with the upgrade: full insurance with zero excess for €10 a day, chosen in the booking form.
• Extra drivers: the same rule, driver by driver. An extra driver aged 27 or over has zero excess; an extra driver under 27 drives on basic cover with a €1,200 excess, or with full cover for €10 a day. On a monthly rental every driver has zero excess.
• Monthly rentals: full insurance with zero excess is included in the monthly price, at any age.
• No deposit at any age. The excess is not money held on a card — nothing is blocked when you collect the car.

What is covered

• Collision damage (CDW) — zero excess on full insurance, €1,200 excess on basic cover
• Third-party liability, as required by Greek law
• Theft protection
• Roadside assistance 24/7
• Passenger liability
• Tyres, wheels and hubcaps
• Windscreen, mirrors and glass

What is never covered, at any age

• Damage to the underside of the car and to the interior
• Damage while driving under the influence of alcohol or drugs
• Driving on unpaved or prohibited roads — the road to Balos included
• Damage caused by negligence or by breaking the rental terms — running a STOP sign included
• Lost keys or a lockout — the replacement key and its delivery are charged
• Personal belongings left in the car

For anything on this list the renter pays the full cost of the repair. That is the rule in the rental terms, and it applies with full insurance too.

Three examples

Frequently asked questions

Is the excess a deposit?

No. We take no deposit and no credit card at any age. The excess is only the most you would owe if covered damage happened; nothing is held on a card when you collect the car.

I am under 27 — can I have zero excess?

Yes. Choose full insurance in the booking form: it costs €10 a day and brings your excess for covered damage to zero.

Are tyres and the windscreen covered?

Yes. Tyres, wheels and hubcaps, and the windscreen, mirrors and glass are covered — with no excess on full insurance, and up to the €1,200 excess on basic cover.

Am I covered on the road to Balos?

No. Unpaved roads are excluded at any age and with any cover, and the road to Balos is named in the rental terms, so damage there is paid in full.

What do I do if I have an accident?

Call us and the local police straight away, and do not move the car until you are told to. Roadside assistance is available 24/7.

Does zero excess cover an extra driver?

Yes, when the extra driver is 27 or over. An extra driver under 27 drives on basic cover with a €1,200 excess, unless you add full cover for them in the booking form for €10 a day. On a monthly rental every driver has zero excess. A second driver is free; one aged 18–22 pays the young-driver fee, like a main driver of that age.