If you’ve ever rented a car abroad, you’ve probably come across the term “excess” or “deductible.” In simple terms, it’s the amount you’re responsible for if your rental car is damaged or stolen—even if you already have basic insurance included.
So, what does this mean for travelers heading to Malta? The short version: yes, nearly all rental cars in Malta come with an excess, and it’s important to understand how it works before you collect your keys. Knowing your options could save you hundreds of euros and a lot of stress on your holiday.
What Is Car Rental Excess in Malta?
When you rent a car in Malta, the standard insurance usually includes a Collision Damage Waiver (CDW). This protects you from paying the full cost of damage to the car, but it still leaves you with an “excess” — the portion you’ll need to pay out of pocket before the insurance kicks in.
For example, many major providers like Sixt or Avis set their excess between €1,000 and €2,500, depending on the car category. On top of that, some rental desks hold an extra deposit (often €200–€300) to cover traffic fines or smaller issues. That’s a big chunk of money to have blocked on your credit card during your trip.
In practical terms:
- If you scratch a bumper and the repair costs €600, but your excess is €1,500, you’ll pay the full €600.
- If you total the car and repairs cost €7,000, you’ll only pay your excess (say €1,500) and the insurer covers the rest.
It’s not a scam—this is standard across Europe—but being caught off guard at the rental desk is what frustrates many travelers.
Waiver Options to Reduce or Eliminate Excess in Malta
Luckily, you don’t have to just accept that hefty liability. You can reduce (or even remove) your excess through a few different options:
1. Super CDW (SCDW) from the Rental Desk
Most companies in Malta will offer you Super Collision Damage Waiver (SCDW) when you collect your car. This reduces your excess to a much lower amount—sometimes even to zero. The downside? It usually costs between €15 and €25 per day, which can add up quickly on longer rentals.
2. Third-Party Excess Insurance
A growing number of travelers prefer to buy standalone excess insurance from companies like Riverside Malta Insurance or global providers such as RentalCover.com. These policies are much cheaper (sometimes €5–€7 per day) and often cover things the rental desk exclusions leave out, like tires, windscreens, undercarriage, and keys.
The only catch is that if damage occurs, you’ll still pay the rental company upfront and then reclaim the money from your insurer later. But for many, the cost savings are worth it.
3. Credit Card or Travel Insurance Benefits
Some premium credit cards (like American Express or certain Mastercard plans) include car rental excess coverage. A few travel insurance policies also offer this. Just make sure you read the fine print: many exclude smaller damages like scratches or windscreen chips, and some require a deposit claim before they reimburse you.
Pros and Cons of Malta’s Excess Reduction Options
So, which route is best? It depends on your budget and how much peace of mind you want.
- Super CDW from the rental desk
- ✅ Convenient: you’re covered instantly, no paperwork later.
- ❌ Pricey: daily costs can double your rental fee on longer trips.
- Third-party excess insurance
- ✅ Affordable: often half (or less) of the price of SCDW.
- ✅ Broader cover: usually includes things like wheels, windows, and even lost keys.
- ❌ Claim process: you’ll need to pay the rental company first, then reclaim.
- Credit card or travel insurance
- ✅ Free (if already included).
- ❌ Gaps in coverage: many exclude common issues like punctures or glass.
- ❌ Admin-heavy: reimbursements can take weeks.
For many holidaymakers in Malta, the third-party option strikes the best balance. But if you don’t want to think twice about coverage during your trip, SCDW at the desk offers instant reassurance.
Checklist Before You Hit the Road in Malta
A few smart steps will make sure you’re protected no matter which option you choose:
- Read your rental terms carefully — know the exact excess amount and what it covers.
- Inspect the car fully before driving off. Photograph any scratches, dents, or chips and make sure they’re logged.
- Check your coverage — whether SCDW, third-party, or travel insurance, confirm what’s included (and what isn’t).
- Keep paperwork handy — if you ever need to make a claim, the rental agreement, damage report, and receipts will be essential.
These little habits save you from headaches and help if there’s ever a dispute.
Final Takeaway – Car Rental Excess in Malta Made Simple
At first glance, car rental excess in Malta can look intimidating. Numbers like €1,500 or €2,000 on a contract aren’t exactly reassuring. But once you know your options—whether it’s paying extra for Super CDW, buying third-party insurance, or leaning on your credit card benefits—it’s actually easy to protect yourself.
The bottom line: don’t let the idea of excess put you off renting a car. Having your own wheels is by far the best way to explore Malta. From the historic streets of Valletta to the hidden beaches of Mellieha and the rugged countryside of Gozo, you’ll see more, do more, and enjoy Malta at your own pace.
👉 If you’re unsure about insurance choices or want advice on the best rental for your trip, feel free to contact us—we’re always happy to help you find the right car for your Malta holiday.
