What Insurance Do You Need When Renting a Car in Dubrovnik?
Renting a car in Dubrovnik is one of the best ways to explore the city and the beautiful Dalmatian coast at your own pace. But before you hit the road, it’s essential to understand what kind of car rental insurance you actually need — and what’s just optional.
Here’s a quick guide to help you make the right choice and avoid unnecessary costs.
✅ 1. Basic Insurance – Usually Included
Most car rental companies in Dubrovnik (including Car 4 You) include these basic insurances:
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CDW (Collision Damage Waiver) – Limits your liability if the vehicle is damaged.
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TP (Theft Protection) – Covers you if the car gets stolen.
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Third-Party Liability Insurance – Covers damage to other people or property in case of an accident.
🛑 Important: These often come with an excess (franchise) — meaning you still pay a portion of the damage (usually €500–€1,200) out of pocket unless you reduce it with extra coverage.
🛡️ 2. Super CDW / Full Coverage – Recommended
To avoid paying any excess in case of damage or theft, you can choose Super CDW or Full Coverage Insurance. This usually includes:
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€0 excess (no financial responsibility for damage)
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Coverage for scratches, mirrors, tires, glass, etc.
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Faster return process
💡 Recommended for peace of mind, especially if you're not used to driving in Croatia or plan to park in tighter urban spaces.
🧳 3. Optional Extras
Depending on your needs, you might consider:
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Roadside Assistance – 24/7 help if you get a flat tire, run out of fuel, or lock the keys in the car.
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Cross-Border Insurance (Green Card) – Required if you’re planning trips to Bosnia and Herzegovina, Montenegro, or Serbia.
✅ Ask for this when booking your rental!
🚦 What Does Car 4 You Recommend?
At Car 4 You Dubrovnik, we recommend:
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Taking Super CDW if you want complete peace of mind
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Asking in advance about the Green Card for cross-border travel
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Making sure you understand what is and isn’t covered before signing
Our team is happy to explain everything clearly — no hidden fees, no surprises.
🧭 Final Word
The right insurance can make your trip stress-free. Choose what suits your needs and budget — and drive with confidence. Whether you're exploring the winding roads of the Adriatic coast or heading inland to Mostar or Montenegro, Car 4 You Dubrovnik has you covered.
🗓️ Ready to hit the road? Book your rental today — and don’t forget to add the right protection for your journey!
