Just a quick clarification based on my experience in Crete: the insurance offered by Carigami isn’t accepted by rental companies because it’s not the rental company’s insurance—it’s a third-party (intermediary) insurance. Rental agencies have no way to verify, manage, or integrate it into their contract.
Carigami sells "excess reimbursement" insurance, not vehicle insurance. The Carigami policy doesn’t directly cover the car. It reimburses you afterward if you have to pay an excess.
The rental company, however, wants insurance that reduces or waives the excess immediately in *their* system. For them, your Carigami contract has no operational value.