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Greece-carhire-ferries.

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Having booked car hire from the airport in Athens with Hertz, we have just noticed that they prohibit taking the car on a ferry without specific consent. We emailed and the reply tells us that we can take the car on the ferry but that it is not insured whilst on the ferry and if it breaks down whilst on an island where they have no cover then we have to pay to get it towed back to the mainland.
What is the history to this? Is it that ferries can be rough and the cars are not secured ?
This must be my 20th visit to Greece but I've never seen this before.

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