Do I need insurance when renting a car in Italy?

Car rental insurance protects you from any liability that results in death, injury to others or any property damage that is caused while you are driving a rental car in Italy. In Italy, the law requires that you must carry certain types of insurances: Collision Damage Waiver (CDW) and Theft Protection.



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Offer proof of insurance. While credit cards typically provide some insurance coverage for a rental car, debit cards do not. That means you may have to show that you have sufficient coverage or purchase more from the rental company.

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Collision Damage Waiver (CDW) provides cover if there is damage to a rental car through an accident. LDW on the other hand, is a combination of CDW and Theft Protection, which means that you will be covered for car replacement if your rental car is stolen during the period of your rental.

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In accordance to the Italian regulations, in Italy there are no restrictions on drivers – instead, the vehicle itself is insured. The policyholder must be the legal registered owner of the car, but anyone with a valid driver's license can drive your car and be covered by your insurance policy.

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“An international driving permit in Italy is required by law if you plan to operate a vehicle in Italy – whether you're renting a car in Italy or booking an international rental which will take you briefly across the Italian border.

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If you're looking to rent a car in Italy, then Catania is the cheapest city to do so as prices are just $3 per day. According to our data, it's 73% cheaper for a rental car in Catania as opposed to renting one in Venice (which costs $11 per day).

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If the renter used a debit card for the deposit, the rental company might find there's not enough money in the renter's bank account to cover the bill. But with a credit card, the rental company can be more confident they'll be able to take the money (as long as the card-holder's credit limit isn't exceeded).

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