If you’re planning to rent a car in Malta, you’ll almost certainly come across the term Collision Damage Waiver (CDW). For many travelers, it can be confusing — is it insurance, is it optional, and what exactly does it cover?
The short answer is: CDW is usually included in Malta car rentals, but it doesn’t cover everything. It reduces your liability for damage to the rental car, but you’ll still be responsible for paying up to a certain amount, known as the excess.
Understanding how CDW works — and how to manage that excess — is one of the smartest ways to avoid stress and unexpected costs during your trip.
What Is Collision Damage Waiver (CDW) in Malta Car Rentals?
CDW is an insurance-like protection that limits your financial responsibility if the rental car is damaged or stolen. Instead of being liable for the full cost of repairs or replacement, the rental company agrees to waive most of the damage costs, leaving you responsible only for the excess amount.
In Malta, CDW is either:
- Included automatically in the daily rental rate, or
- Mandatory add-on that you’ll need to accept at the counter.
This means you’ll always have some level of protection — but not total.
How Does CDW Work in Malta?
Here’s the key: CDW doesn’t eliminate liability, it limits it.
- Typical excess amounts in Malta range from €500 to €1,800 or more, depending on the car category. For most standard cars, expect between €750 and €1,500.
- If you damage the car, you’ll pay for repairs up to the excess amount, and the insurance takes care of the rest.
- Example: If your rental has a €1,200 excess and you cause €600 worth of damage, you’ll pay €600. If the damage is €5,000, you’ll only pay €1,200 and the insurer covers the balance.
CDW usually covers accidents, fire, theft, and vandalism. But it almost always excludes certain parts like tires, windshields, the undercarriage, and roof. To protect against those, you’ll need extra coverage.
CDW vs. Super CDW (SCDW) and Full Damage Waiver (FDW)
Most rental companies in Malta will offer upgrades when you pick up the car. These can significantly reduce or even remove your liability:
- Super Collision Damage Waiver (SCDW): Reduces the excess to a much smaller amount — sometimes down to zero. This comes at a daily fee, often €10–€25 depending on the car and company.
- Full Damage Waiver (FDW): Usually the highest level of coverage. With FDW, you often have no excess at all and broader protection, sometimes including glass and tire damage.
The trade-off is simple:
- CDW alone leaves you with higher potential out-of-pocket costs if something goes wrong.
- SCDW/FDW give you peace of mind, but at an extra daily cost that adds up on longer rentals.
For many travelers, especially those driving in busy areas or exploring rural roads in Gozo, the small added cost of SCDW or FDW is worth the peace of mind.
Third-Party Liability Insurance in Malta
While CDW protects the rental car, it does not cover damages you cause to other people or property. That’s where third-party liability insurance comes in.
In Malta, this is usually included automatically in your rental contract. It ensures that if you accidentally damage another vehicle or injure someone while driving, you won’t be personally responsible for the full financial cost.
Together, CDW and third-party liability form the core protection most renters rely on. But for complete peace of mind, many travelers still look at extra options.
Do You Need Extra Insurance Beyond CDW in Malta?
CDW is a good start, but it comes with gaps. Damage to tires, windscreens, the undercarriage, or lost keys are usually excluded. That’s why many drivers choose extra protection:
- Super CDW or FDW upgrades at the rental desk
- Independent excess insurance from a third-party provider
- Credit card or travel insurance policies that reimburse excess
Independent excess insurance is often cheaper and more comprehensive, but it requires you to pay upfront and claim later. On the other hand, taking SCDW directly with the rental company costs more but gives you immediate coverage with no paperwork.
CDW Coverage in Malta and Gozo
Your CDW coverage applies on both islands. That means you can take your rental car from Malta to Gozo via the Cirkewwa–Mgarr ferry and still be protected. Insurance, towing, and roadside assistance remain valid on both islands.
It’s always wise to double-check with your rental company before boarding the ferry, but most providers have no restrictions. This makes driving to Gozo with your rental car the easiest and most flexible way to explore both islands.
Tips for Using CDW Car Rental in Malta
- Inspect the car carefully before driving away and record any existing scratches or dents with photos.
- Ask about the exact excess amount at pickup so you know your potential liability.
- Decide on upgrades early — Super CDW or FDW can be worth it for longer trips or busy areas.
- Know the exclusions so you’re not caught off guard by things like tire or glass damage.
- Check your credit card limit since deposits for excess are often blocked during your rental.
Final Verdict – Is CDW Enough for Car Rentals in Malta?
CDW is a standard feature in Malta and offers valuable protection by limiting your liability. However, you’ll still be exposed to an excess amount that can range from €500 to €1,800 or more. For some travelers, that risk is acceptable. For others, adding Super CDW, FDW, or third-party excess insurance is worth the extra daily cost.
The bottom line: CDW alone gives you basic peace of mind, but if you want a truly stress-free holiday, consider reducing your excess further.
If you’re planning to rent a car in Malta and aren’t sure which coverage is best for your trip, feel free to contact us. We’ll help you find the right rental and protection so you can explore Malta and Gozo with confidence.
