Whether rental car insurance is important to buy depends on your existing coverage, the type of trip you're taking, and your risk tolerance. Here’s a breakdown to help you decide: Estimate that "broker-websites" may affect your decision on this matter, local agencies always do include all costs at once:
Car insurance is important to buy: Check Your Existing Coverage First
- Personal Auto Insurance: If you already have comprehensive and collision coverage on your personal car, it may extend to rental cars (but often with the same deductibles).
- Credit Card Benefits: Many premium credit cards (e.g., Visa Infinite, Mastercard World Elite, Amex) offer secondary (or sometimes primary) rental car insurance if you use the card to pay. Check your card’s terms.
- Travel Insurance: Some travel insurance policies include rental car coverage, but it’s usually secondary.
Car insurance is important to buy: Types of Rental Car Insurance 
- Collision Damage Waiver (C.D.W.) (S.C.D.W.)/ Loss Damage Waiver (L.D.W.): Covers damage to the rental car (not your liability for other cars/people).
- Liability Insurance: Covers damage you cause to others (often included in some countries but not all—check local laws).
- Personal Accident Insurance (P.A.I.): Covers medical costs for you/passengers (may overlap with health/travel insurance).
- Thieves Insurance (TI): Protects the renter if the car gets stolen.
Car insurance is important to buy: When Should You Buy It? 
If you don’t have personal auto insurance (or your policy excludes rentals).
If your credit card doesn’t offer primary coverage (secondary means you’d file with your personal insurance first).
If renting abroad (some policies don’t cover international rentals).
If you’re uncomfortable with risk (even if covered, filing a claim on your personal policy could raise rates).
Car insurance is important to buy: When Can You Skip It?
If your existing auto/card coverage is sufficient (verify with your insurer/card provider).
If renting in a country where liability insurance is included (e.g., most of Europe).
If the cost outweighs the risk (e.g., short rental in a low-risk area).
Violation of car insurance
There are many drivers that forget they have to follow the traffic law, the rental cars are not allowed to Transfer illegal goods, transfer immigrants, transfer drugs.
Ensure only driver listed on the rental agreement drives the vehicle. Off-road driving is not permitted and could lead to unnecessary damage to the rental car that car insurance may refuse cover it.
Report an accident or a damage immediately to the rental or insurance company.
Car hire contract important for car insurance
Make sure the contract you sign has the Terms clear written, those you paid for. If you have a different opinion on that, express this.
Final Verdict:
It’s not always necessary, but it can be worth it for peace of mind, especially if you lack existing coverage or are renting in a high-risk area. Always check your policies before declining!
CarCrete.com is providing a 100% Full coverage to its rentals, you do not have to worry for anything when you drive the vehicle on asphalt roads, with 0 % alcohol and follow Greek traffic law. The car insurance Car insurance is co operating with our agency and offers no risk to all customers.
Documents for car insurance to show the rental car agent
The car insurance in Greece will ask the following documentation
- A valid passport of your country
- A valid driver's license that shows the class of vehicle you can drive- class B for EU and Greece should be referred
- An International Driving Permit (I.D.P.) when your license is not listing the above 2.
Nevertheless Greece is listed in Convention of Vienna 1968, a valid I.D.P. is asked when the country local license is a paper license or is not the same as the one in EU is used. Some tourists do not accept they should have a translated license, any one would think the same. The car insurance companies think different and the risk not to supply a translated license is high.