Before you rent a car in Italy, it is important for you to understand that all rental vehicles there are required to carry Collision Damage Waiver (CDW) and Theft Protection coverage. Unlike many other European countries, which will allow you to drop their insurance if you have a credit card or a personal policy that provides you this service, you can not choose to go this route for insurance coverage in Italy.
Auto Europe is here to clearly explain what all of this means in detail. Before we go into the Zero Excess and Refundable Excess insurance options, let’s review what our typical inclusive rate covers for a vehicle rental in Italy.
Inclusive Coverage in Italy
Third Party Liability Insurance: This covers the insured driver for damage their vehicle causes to someone else’s property or for injury to another person outside of the rental car. All car rental rates from Auto Europe include third party liability insurance.
Fire Insurance: Provides coverage for the rental car should it so happen to catch fire due to vehicle defect. All car rental rates from Auto Europe include fire insurance.
Value Added Tax (VAT): This is similar to sale’s tax in the states. VAT is included in the Auto Europe’s rental rate.
Note: If you have requested additional services or equipment for your rental car, there may be VAT attached to these fees. Ask an Auto Europe reservation agent to go over the specifics of any local charges you may need to pay upon picking up or dropping off your vehicle, such as: payments made directly to the supplier for additional drivers and child seats. You can also take some time to read our in-depth guide to car rental fees.
Unlimited Mileage: Just as the term implies, you don’t have a daily mileage limit.
Collision Damage Waiver (CDW): It does get a bit more complicated with defining the CDW. This is a fee charged by the rental car supplier and is incorporated into Auto Europe’s inclusive rental rate. It waives your right to collect on any losses paid out for damage done to your vehicle. You may be responsible for paying a deductible in the event your rental is involved in an accident.
Note: CDW generally doesn’t cover damage to a rental’s windows, tires, roof, undercarriage, interior, or side mirrors. Also, any mishaps that occur while the vehicle is on a ferry, from being vandalized, or that result from acts of nature may not be protected either. Speak with an Auto Europe reservation agent to discuss in detail what your particular rental agreement does insure.
Theft Protection: If someone steals your rental car, theft protection covers the loss of the automobile. This does not provide insurance for any personal items taken from the vehicle’s interior. You may be responsible for paying a deductible if your car is stolen.
What does the term Excess mean?
Excess, which is a UK term, is really just another way of saying deductible. If you have a deductible, it will be noted in the Your rental includes section of your Auto Europe voucher. *When you pick your vehicle up, you will be required to present a credit card to the rental supplier, and a deposit will be blocked on your card. **Usually, the deposit amount will be equal to the CDW deductible plus a tank of gas.
*This is only a temporary authorization and a block of funds on your credit card; it is not an actual charge. Once your rental period has concluded and the vehicle has been returned without incident, the hold on your credit card in the amount of the deductible will be removed.
**Your voucher will indicate whether your rental agreement includes a tank of gas in the rate or not. If your terms and conditions state that the vehicle must be returned with a full tank of gas, then the money blocked on your credit card for fuel will be released once you have returned the vehicle with the appropriate amount of gas in the tank.
Auto Europe’s Zero Excess and Refundable Excess rates give you added peace of mind.
Refundable Excess: In the event your rental car is damaged or stolen, Auto Europe will refund you the deductible amount charged by the local supplier. It is important to follow the procedure for reclaiming the excess fee, click here to view what the process entails.
Zero Excess: There is no CDW or Theft Protection deductible when you rent a car with the Zero Excess rate. Upon picking up your vehicle, you won’t need to place a large deposit on your credit card.
Auto Europe’s Zero Excess and Refundable Excess products aren’t just available in Italy, we offer these packages in several other countries, too. Look for our Zero Excess and Refundable Excess rates when booking your rental car online, or you can call us toll-free at 1-888-223-5555 and ask one of our knowledgeable reservation agents if your desired pick up location has the availability of this added protection.