CDW included. Optional full insurance (FDW) is 12 euro per day with zero excess for covered damage, subject to exclusions. No credit card required. No rental deposit blocked. Cash, debit card and credit card are accepted. Unlimited kilometres. Free second eligible driver. Free baby seat on request. Chania Airport, hotel and Souda Port service. Supported one-way service to Rethymno and Heraklion on request. Clear total before confirmation. Direct quote without an account. CHQ flight monitoring for confirmed pickups; late or after-hours fees still apply according to actual handover time.
Insurance explained

Car rental insurance in Chania: CDW, full insurance and zero excess

Insurance labels are easy to misunderstand because “included insurance,” “no deposit” and “zero excess” describe different parts of the rental. This page separates them so you can choose cover without relying on vague slogans.

Chania harbour in Crete
Crete rental context for comparing CDW and FDW before booking.
Quick answer

Basic CDW and full insurance cover different levels of liability

CDW is included. Optional FDW is +€12/day and changes the excess to zero for covered damage. Neither option overrides exclusions, road-use restrictions or incident-reporting obligations.

Basic insurance (CDW) includedBasic collision damage waiver is included in the rental rate.
Full insurance +€12/dayOptional FDW gives zero excess for covered damage, subject to exclusions.
No deposit blockedNo rental security deposit is pre-authorised on a credit card.
Unlimited kilometresIncluded for normal permitted-road use under the rental terms.
Free second driverA second eligible driver can be added without an extra daily fee.
Minimum 2 daysThe quote calendar enforces a two-day minimum rental period.

Who this option is useful for

CDW and FDW describe insurance liability; they should be read separately from the deposit policy, payment method and excluded damage.

Basic insurance (CDW) included

Basic collision damage waiver is part of the quoted rental price.

FDW +€12/day

Optional upgrade to zero excess for covered damage.

Deposit policy

No rental security deposit is blocked on a credit card.

Terms still matter

Coverage depends on permitted use and the exclusions in the agreement.

CDW: the included baseline

CDW is included with the rental. Its purpose is to define the renter’s liability for covered collision damage up to the applicable excess rather than leaving the renter exposed to the full value of the vehicle.

The exact excess can depend on the confirmed car type, so it should be read together with the vehicle and booking terms.

Full insurance (FDW): optional zero excess for covered damage

FDW is an optional +€12/day upgrade. For events that are covered under the FDW terms, the excess is reduced to zero.

That wording is intentionally precise: zero excess only has meaning after establishing that the damage is covered and the rental was used according to the agreement.

Examples of exclusions and non-covered use

Tyres and wheels, underside damage, off-road driving and situations involving traffic-law or rental-term violations are examples of areas that should not be assumed to be covered. The confirmed terms are the final reference.

If a route appears to involve off-road or unsuitable access, ask before driving it. A navigation app suggesting a road does not itself make that road permitted under a rental agreement.

How insurance affects the quote total

The car type and dates establish the base rental quote. CDW is already included. Selecting FDW then adds €12 for each rental day. Location or one-way charges, if any, are separate items.

This separation makes the quote easier to audit: vehicle, insurance and logistics can each be understood without hiding one inside another.

What changes the final quote

The published starting rates help compare vehicle types, but the confirmed total depends on the exact dates, rental duration, vehicle type and transmission, availability, insurance choice, pickup/return locations and any special delivery or one-way logistics.

Basic insurance (CDW) is included. Optional full insurance (FDW) is +€12 per rental day and reduces the excess to zero for covered damage, subject to exclusions. No credit card is required and no rental security deposit is blocked. Any applicable delivery or one-way fee is confirmed with the quote.

For the most accurate quote, send:

  1. Pickup and return dates plus the real handover times.
  2. Exact pickup and return locations, including airport, port or accommodation name where relevant.
  3. The car type and transmission you need.
  4. Driver age and any second-driver requirement.
  5. CDW or optional FDW preference.
  6. Passenger count, large luggage count and any child-seat need.
  7. Flight or ferry information when it affects the handover.

Want a date-specific answer?

The public quote form does not require an account, card number or online payment.

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Frequently asked questions

Is basic insurance included?

Yes. Basic CDW is included in the quoted rental rate.

Is FDW mandatory?

No. FDW is optional.

What does FDW cost?

FDW is +€12 per rental day.

Does FDW mean every type of damage is covered?

No. Zero excess applies to covered damage, and exclusions and road-use rules remain.

Does FDW cover tyres?

Tyres and wheels are listed among exclusions.

Is underside damage covered?

Underside damage is listed among exclusions and should not be assumed covered.

Is off-road driving covered?

No. Off-road use is not permitted under normal rental terms.

Is a security deposit blocked with CDW?

No rental security deposit is blocked on a credit card.

Can I add FDW to an airport rental?

Yes. Insurance choice is independent of pickup point.

Can I add FDW to a one-way rental?

It can be requested; route availability/fees and insurance are confirmed separately.

Is the insurance excess the same as a blocked deposit?

No. Excess is potential liability under insurance; a deposit or card hold is payment security.

What should I do if damage happens during the rental?

Report the incident promptly and follow the rental provider’s instructions. Insurance and reporting obligations work together.

Does FDW remove prohibited-use exclusions?

No. Prohibited off-road use and other stated exclusions still apply.

Tell us your dates and pickup point

We check the matching vehicle group and return a clear total quote with the insurance choice shown separately.

Request availability