Palma Car Hire: Full Insurance & Zero Excess

Full insurance car hire in Palma de Mallorca

Every rental in Spain comes with basic third-party cover by law, but that leaves you exposed to a large 'excess' — the amount you pay if the car is damaged or stolen. Full insurance (often sold as zero-excess or super cover) reduces that excess to nothing, so a kerbed alloy or a car-park scrape doesn't turn into a stressful bill at the end of your holiday.

There are two ways to get it: buy cover from the supplier at the counter, or arrange standalone excess protection before you travel. The protection is similar; the price usually isn't. Here's how the options compare so you can choose with your eyes open.

Cover levels compared

What each tier typically protects — always confirm the specifics on your rental agreement.

Cover	Excess	Typical inclusions	Notes
Basic (included)	High (€700–€1,500)	Third-party, theft, CDW with excess	Legal minimum
Standard CDW/TP	Reduced	Lower excess on body & theft	Tyres/glass often excluded
Full / zero excess	€0	Excess waived, fewer exclusions	Best peace of mind
Standalone excess policy	Reclaim excess	Buy before travel, claim back	Usually cheapest route

What's covered — and what often isn't

Included on full cover

Accidental damage to the bodywork, collision, theft of the vehicle and, on zero-excess deals, the excess itself. Most everyday holiday mishaps — a dented bumper, a scratched door — fall here.

Check these carefully

Tyres, windscreen, wing mirrors, the underbody and roof are commonly excluded from basic and even mid-tier cover. If you'll drive the rough tracks to a hidden cove, choose a policy that explicitly includes them.

Always your responsibility

Damage from driving on unsealed roads where prohibited, refuelling with the wrong fuel, driving under the influence, or letting an unregistered driver take the wheel. Read the agreement before you sign.

Why it matters

€700+

Typical basic excess at risk

€0

Excess with full cover

2 ways

Counter cover or standalone policy

Insurance FAQs

Do I have to buy the counter insurance?

No. You can decline it and rely on a standalone excess policy bought beforehand, which usually costs much less for comparable protection. Basic legal cover is always included regardless.

What is the 'excess' exactly?

It's the maximum you pay towards damage or theft. Full or zero-excess cover reduces it to nothing, so you aren't liable for that amount if something happens.

Are tyres and windscreen included?

Not always — these are common exclusions. If you want them covered, pick a full policy that lists tyres, glass and underbody explicitly.

Drive worry-free in Mallorca

Compare cars with full, zero-excess cover and enjoy the island knowing a scrape won't cost you.

Search fully insured cars