Insurance Policy / Coverings & Waivers

insurance Policy Incurance Coverage

Full Insurance (CDW) is always included in the rental prices and reduces the renter's responsibility in case of accident or damage to the rental vehicle, up to a maximum Excess amount, depending on the vehicle category. 

The Excess, is adjusted according to the vehicle category, in the following amounts:
- Economy € 300.00
- Medium
- Full-sized € 500.00
- Family-sized & Station Wagons € 600.00
- SUV & Cabriolet € 800.00
- Minivan & Minibus € 1.000.00

 Premium Full Insurance (FDW) is available upon request, at an additional daily surcharge depending on the vehicle group, for rentals of minimum duration of 7 days and provided only, when the driver is aged between 25 and 69 years old.

FDW Premium Full Insurance, provides complete insurance coverage, without excess, in case of damage or accident to the rental vehicle by the driver's responsibility, as long as the rental terms & conditions, are not being violated.

** FDW insurance package however, is not available for the following car categories: Jeep & SUV vehicles, Convertibles, Minivans & Minibuses

Third Party Liability Insurance (TPL) without excess for Personal Injuries per victim, up to 1.200.000 euro.

Public Liability Insurance (PLI) without excess for material & properties, up to 1.200.000 euro.

Personal Accident Insurance (PAI) without excess for medical expensies, up to 5.000 euro.

Fire & Theft Insurance (TP) without excess, covers the rental vehicle, for total or partial loss. 
Theft insurance, does not cover any stolen belongings of the renter.


Roadside Assistance Roadside assistance and vehicle replacement

Our company, in collaboration with INTERAMERICAN and ELPA, provides 24/7 roadside assistance on the island of Crete, provided that the vehicles move on paved/asphalt roads and streets.

Any mechanical problem you may face with your car or in the unfortunate event of an accident, you must report it immediately to the car hire company, whose telephone numbers are stated on the rental agreement.

All contact details & information, are always provided up on delivery, by our representatives. 

Our help center support, will receive your calls at any time and we will try to help you in the best way. 

In case of seriοus breakdown or in case of an accident, which results in the complete immobilization of the rental vehicle, the company will replace the vehicle with another of the same or bigger size, within 24 hours from reference time.

Autocreta Car Rental company however, retains the right to investigate the circumstances of an accident or a breakdown and not proceed to any replacement, in case the use of the rental vehicle was not according the company's terms & rental policy.


Tire Replacement Flat tire

In case of flat tire during the rental, the replacement of the flat tire with the spare, is clearly a responsibility of the renter and the company assumes no responsibility. 

If punctured the tire of the car under normal driving conditions (not by off road driving), the repair of the punctured tire, bears the company. If such case, the renter should immidiatelly contact the rental company and follow their instructions. 

Repair cost is about 10 euro and shall be refunded, only after a receipt is provided. The company does not incur any additional expenses arising from tire repair or replacement.

To rid the renter from any charge, the driver should immediately replace the punctured tire with the spare. 

Flat tire replacement, is not covered by roadside assistance.

The renter is not covered, if insists on driving with a flat tire!


Driving conditions car rental autocretaDriving Conditions

We kindly inform our clients, that all rental vehicles, are intended for driving on paved/asphalted roads, only!

It is strictly forbidden, to drive with the rental vehicle on dirt or gravel roads, beaches, rocky areas or other places and routes, that can cause damage to the vehicle.

In case the renter, drives with the rental vehicle off-road, or in any other unpaved / dirt street (Balos, or other similar route, etc.), there is absolutely no insurance coverage and the renter bares full responsibility, so for any damages that may occur to the rental vehicle, as well as for the cleaning of mud, dust, sand etc., in the interior and exterior of the vehicle.

If such an act occurs, towing expenses bares exclusively the renter.


car accident report autocreta car rentals Situation of Accident

In the unfortunate event of an accident or in case of damage to the rental vehicle, regardless the responsibility, the renter needs to inform the rental company immediately and at any time.

The nearest police station, as well as the insurance company, should also be notified as soon by the rental company, in order to obtain an accident report, at the real time of the incident. 

The persons involved to the incident, including the renter, should remain at the accident location and not leave the scene, without notifying the rental company.

In case of injuries, the renter should immediately call both the police and ambulance.

Renter consumes full responsibility for injuries, damages to the rental vehicle or damages to properties that may occur, in case of delayed or deferred notification towards the rental company, as well as for any repair to the rental vehicle, without the formal approval of AUTOCRETA company.

If the incident is not recorded by the accident care service of our insurance company or by the police, or in case the renter leaves the scene of the accident without notice, all above insurances are voided and all the expenses, bares the renter.



Regardless the insurance package provided CDW or FDW, there is no coverage in any case for: wheels, tires, rims, the underside of the vehicle, damages that may be caused while driving on unpaved / dirt / gravel roads (Balos, etc.), damages caused by animals.

The renter is responsible for any damage to the interior of the vehicle, to the optional equipment (GPS device, child seats, etc.) as well as for the loss or damage of the car key, the cost of which ranges from 70 to 400 euros, depending on the key type.

For damages that may be caused to the rental vehicle by driver's negligence, obvious acts of vandalism, driving while intoxicated or under the influence of drugs or other substances, conceding the vehicle to a third person not registered in the rental contract, driving or ferrying the rental vehicle outside Crete, ignoring overheating index & other warning signs, the renter will be the only responsible, for the total amount of the repair costs.

Renter is not insured if insists on driving with a flat tire, overheat indicator or other warning signs.

Accidents caused, due to the violation of the international traffic regulations, are NOT covered by any insurance.