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When renting a car, one of the most important decisions you’ll make is choosing the right insurance package. Understanding the different types of rental car insurance can help you avoid unexpected costs and stress during your trip. Whether you’re planning a short stay or a week-long adventure on the island of Rhodes, knowing the difference between CDW, LDW, and FDW insurance can save you time, money, and hassle.
At Colossos Rent a Car, we offer full insurance coverage (FDW) with all our vehicles — no deposit required, no hidden fees, and 24/7 roadside assistance. Here’s what you need to know about rental car insurance options and why FDW might be the best choice for your next trip.
Types of Rental Car Insurance Explained
Most car rental companies offer several levels of insurance, but not all are created equal. Let’s break down the most common types:
CDW – Collision Damage Waiver
This is the basic level of insurance included in many rental deals. It usually covers damage to the vehicle in case of an accident, but often comes with a large deductible (excess amount). If you’re involved in even a minor collision, you could still be held responsible for thousands in damages.
LDW – Loss Damage Waiver
LDW is similar to CDW but includes protection against loss due to theft or vandalism. Like CDW, it often comes with a high excess fee and may not cover tyres, undercarriage, or windshield damage.
FDW – Full Damage Waiver
FDW is the most comprehensive option. It removes the excess fee entirely and typically covers all parts of the car, including glass, tyres, and underbody. At Colossos Rent a Car, FDW is included in every rental — giving you complete peace of mind without extra charges or deposits.
Choosing the right insurance depends on your comfort level, driving experience, and destination. For example, if you plan to explore winding mountain roads or park in busy city centers, FDW offers the best protection.
Why FDW Insurance Is Our Recommendation
Many travelers come to Rhodes looking for freedom — the ability to explore ancient ruins, visit secluded beaches, and drive through scenic villages at their own pace. But without proper coverage, a small scratch or unexpected incident can turn into a costly problem.
With FDW insurance, you get total protection that allows you to enjoy your journey without worrying about possible financial liability. This is especially important for international travelers who may not be familiar with local traffic rules, road conditions, or parking etiquette.
At Colossos Rent a Car, we believe that travel should be worry-free. That’s why we provide FDW insurance as standard on all our rentals — from compact economy cars to premium models. No extra cost, no deposit, no stress.
Here are some benefits of choosing FDW insurance:
- Covers all areas of the vehicle: body, windscreen, tyres, undercarriage
- No deductible or excess charge
- Protection against accidental damage and theft
- 24/7 support and replacement in case of breakdown or accident
Compared to other providers who offer only partial coverage or require expensive add-ons, Colossos gives you full transparency and value.
How to Decide What’s Right for You
While FDW is the best option for most drivers, there are situations where a lower level of insurance might be acceptable.
If you’re an experienced driver, staying for just a day or two, and driving only in urban areas, a standard CDW or LDW might suffice — especially if you already have personal auto insurance or credit card coverage that applies abroad.
However, for long-term rentals, inexperienced drivers, or those planning to explore remote parts of the island, FDW is strongly advised. Not only does it protect you financially, but it also ensures a smoother rental experience.
Also, keep in mind that many credit cards and third-party insurance policies do not fully cover rental vehicles in Greece, especially smaller agencies or non-franchise brands. To avoid surprises at the end of your trip, always check the fine print or choose a provider like Colossos Rent a Car, which clearly states that FDW is included in all bookings.
Choosing the right rental car insurance doesn’t have to be complicated. When you rent a car from Colossos Rent a Car, you get FDW insurance included, no deposit required, and 24/7 support — so you can focus on exploring the beauty of Rhodes without any added stress.