I always take the annual third party cover - not expensive. I had to use it last year in Dubrovnik (rented with Sixt) and it was really straightforward as long as I got all the right reports from Sixt.
I was very annoyed at the cost of the repair work that had to be done (total racket), but that's what the cover is for. I think someone must have scraped against it when we were parked in a tight public car park in Montenegro.
Have used it somewhere else too (think in Geneva airport). I don't think I took enough pics with that one - certainly none of the damage has been when I've been in or near the car. Always got the cost covered.
I was very annoyed at the cost of the repair work that had to be done (total racket), but that's what the cover is for. I think someone must have scraped against it when we were parked in a tight public car park in Montenegro.
Have used it somewhere else too (think in Geneva airport). I don't think I took enough pics with that one - certainly none of the damage has been when I've been in or near the car. Always got the cost covered.