Casco (own-damage car insurance) — Greece

[1] Own damage: Optional ↩

Covers material damage to the insured vehicle resulting from collision, overturning, swerving, impact, and similar road accidents including when the insured is at fault. Requires fire coverage as a prerequisite. Deductible options: €200, €400, €600, €1,000, or €1,500 depending on the insured vehicle sum. Available as an optional add-on across all three tiers (Standard, Benefit, Extra).

Ίδιες Ζημίες (Μικτή ασφάλιση) (απαιτείται κάλυψη Πυρός) Απαλλαγή από €200, €400, €600, €1000 ή €1500 ανάλογα με το ασφαλιζόμενο κεφάλαιο του οχήματος

[2] Total loss: Optional ↩

Total destruction of the insured vehicle as a result of own damage is covered as part of the own damage (comprehensive) coverage. Deductible: 1% of insured sum, minimum €400. Requires fire coverage as a prerequisite.

Ολική καταστροφή του οχήματος από Ίδιες Ζημίες (απαιτείται κάλυψη Πυρός) Απαλλαγή 1% επί του κεφαλαίου με ελάχιστο €400

[3] Partial loss: Optional ↩

Partial damage to the insured vehicle from collision or accident is covered under the own damage (comprehensive) add-on. Deductible options: €200, €400, €600, €1,000, or €1,500 depending on the insured vehicle sum. Available as an optional add-on across all tiers.

Ίδιες Ζημίες (Μικτή ασφάλιση) (απαιτείται κάλυψη Πυρός) Απαλλαγή από €200, €400, €600, €1000 ή €1500 ανάλογα με το ασφαλιζόμενο κεφάλαιο του οχήματος

[4] Theft & robbery: Conditional ↩

Full (total) and partial theft are covered under the Extra tier and above as included coverages. Total theft compensation is paid within 30 days. Partial theft (damage to the vehicle during theft) requires total theft coverage as a prerequisite. Negligence by the insured (e.g. leaving keys in the vehicle) may be excluded. Radio/CD unit covered up to €400. Not included in Standard or Benefit tiers without explicit add-on.

Τέλος, το πρόγραμμα « Extra » προσφέρει ό,τι τα 2 παραπάνω προγράμματα ενώ επίσης καλύπτει τρομοκρατικές ενέργειες, ολική και μερική κλοπή, καθώς και ασφάλεια πυρός.

[5] Glass damage: €1,500 ↩

Coverage for broken or cracked windscreen and vehicle glass. Available from Benefit tier onwards and as an optional add-on for Standard. Deductible: 25% of the damage amount for new policies from 1/10/2024. Annual limit: €1,500. Zero deductible if repairs are carried out at AIG-approved specialist glaziers (e.g. Carglass). Optional glass limits of €1,500 or €3,000 available in other AIG product variants.

1) Συμβόλαια με Απαλλαγή 25% επί της ζημιάς στην κάλυψη Θραύσης Κρυστάλλων και ανώτατο όριο €1.500 ανά έτος. (Η απαλλαγή στην κάλυψη ισχύει από 1/10/2024, για τα νέα συμβόλαια)

[6] Natural perils: Optional ↩

Coverage for damage caused by natural perils (floods, storms, etc.). Available as an optional add-on across all tiers. Requires fire coverage as a prerequisite. Earthquake damage and mechanical damage from frost are not covered under natural perils (earthquake is a separate optional cover with a 2% of sum insured deductible). Deductible: €0 or €400.

Για τα φυσικά φαινόμενα δεν καλύπτονται ζημιές από σεισμό καθώς και μηχανικές ζημιές από παγετό.

[7] Vandalism: Optional ↩

Coverage for own damage caused by malicious acts of third parties (vandalism). Available as an optional add-on. Requires civil unrest (political disturbances) coverage as a prerequisite. Deductible: 1% of insured sum, minimum €400.

Ίδιες Ζημίες από Κακόβουλες Πράξεις (απαιτείται ασφάλιση Πολιτικών Ταραχών) Απαλλαγή 1% επί του κεφαλαίου με ελάχιστο €400.

[8] Roadside assistance: Optional ↩

24-hour roadside assistance (accident and breakdown) available as an optional add-on across all tiers. Covers towing to a repair workshop in case of immobilisation. Not available for vehicles weighing more than 3.5 tonnes, height above 2.5m, or wheelbase above 3.5m.

Στην περίπτωση που το αυτοκίνητό σας υποστεί βλάβη (στο εσωτερικό της χώρας ή στο εξωτερικό) και έχετε τη σχετική κάλυψη στο ασφαλιστήριο σας, μπορείτε να καλέσετε την Οδική Βοήθεια στο 2144092930 και θα εξυπηρετηθείτε από την εταρία MONDIAL ASSISTANCE S.A.

[9] Replacement vehicle: Optional ↩

In case of vehicle damage from a road accident, fire, or natural perils where same-day repair is not possible, the insured is entitled to a replacement vehicle for up to 5 days. In case of total or partial theft, the replacement vehicle is provided for up to 90 days. Coverage applies in combination with roadside breakdown assistance.

Σε περίπτωση κλοπής ολικής ή μερικής τότε ο ασφαλισμένος δικαιούται όχημα αντικατάστασης έως και 90 ημέρες. Η κάλυψη παρέχεται σε όλα τα ΕΙΧ, σε συνδυασμό με την κάλυψη οδικής βοήθειας βλάβης, σε προαιρετική βάση.

[10] Driver accident: €30,000 ↩

Personal accident coverage for the declared primary driver, with a limit starting from €30,000. Available as an optional add-on (Αυτοπροστασία) across all tiers. Coverage for passengers (Επιβαινόντων) may also be added separately.

Όριο προσωπικού ατυχήματος οδηγού από €30.000

[11] Own damage: Conditional ↩

Coverage for own vehicle damage caused by collision, impact, or overturning. Available only in the My Motor Advanced Plus tier. The limit is set as stated in the insurance policy (insured sum). For drivers under 23 years old or with less than one year of driving licence who have not been declared to the insurer, coverage is limited to 50% of the vehicle damage. A per-claim deductible applies as stated in the policy.

Η κάλυψη των Ίδιων ζημιών περιορίζεται στο 50% της ζημιάς του οχήματος όταν ο οδηγός είναι κάτω των 23 ετών ή έχει άδεια οδήγησης μικρότερη του έτους και εν έχει δηλωθεί στην Εταιρία.

[12] Total loss: Conditional ↩

Total loss of the insured vehicle resulting from collision, impact, or overturning is covered only under the Own Damage (Ίδιες Ζημιές) coverage, which is available exclusively in the My Motor Advanced Plus tier; it is not covered in My Motor Complete or Complete Plus, which do not include own-damage cover. Total loss resulting from theft is covered separately under the theft coverage (see theft_robbery), which is included in all three casco tiers. The limit is the insured sum stated in the policy.

Ίδιες Ζημιές

[13] Partial loss: Covered ↩

Partial theft is included as a core coverage in all three casco tiers (My Motor Complete, Complete Plus, Advanced Plus). The limit is the insured sum stated in the policy. Non-standard or factory accessories that are not permanently connected and not necessary for the vehicle's operation are excluded.

Ζημιές από Κλοπή σε μη συνήθη ή εργοστασιακά εξαρτήματα που δεν είναι σταθερά συνδεδεμένα και δεν είναι χρήσιμα για τη λειτουργία του οχήματος.

[14] Theft & robbery: Covered ↩

Full and partial theft is included as a core coverage in all three casco tiers (My Motor Complete, Complete Plus, Advanced Plus). The limit is the insured sum stated in the policy. Embezzlement (υπεξαίρεση) and shoplifting (υφαίρεση) are explicitly excluded. Non-factory accessories not permanently connected and not required for vehicle operation are also excluded.

Ζημιές από Κλοπή σε μη συνήθη ή εργοστασιακά εξαρτήματα που δεν είναι σταθερά συνδεδεμένα και δεν είναι χρήσιμα για τη λειτουργία του οχήματος. Για την κάλυψη της Κλοπής δεν ισχύει η περίπτωση της υπεξαίρεσης και της υφαίρεσης.

[15] Glass damage: Optional ↩

Offered as an optional supplementary coverage in all three casco tiers. The limit is as stated in the policy (insured sum). Excluded: damage to lights, turn indicators, mirrors, and non-factory sunroofs. Factory openable glass sunroofs are covered up to 7 years from the vehicle's first registration date. If repaired outside the partner repair network, the chosen deductible applies. Glass damage is not covered if the vehicle has suffered total destruction. A per-claim deductible may apply as stated in the policy.

Δεν καλύπτονται ζημιές θραύσης κρυστάλλων σε φανάρια, δείκτες αλλαγής πορείας, καθρέπτες και μη εργοστασιακές ηλιοροφές. Οι εργοστασιακές ανοιγόμενες γυάλινες ηλιοροφές, καλύπτονται έως και επτά (7) έτη μετά από την ημερομηνία 1ης κυκλοφορίας του οχήματος.

[16] Natural perils: Covered ↩

Included as core coverage in all three casco tiers (My Motor Complete, Complete Plus, Advanced Plus). Covers: fire and terrorist acts, political risks, and natural phenomena. Fire damage resulting from a collision or road accident is excluded. Damage to mechanical parts caused by frost and to refrigerator vehicle installations from natural phenomena is excluded. The limit is the insured sum stated in the policy. A per-claim deductible applies for natural phenomena coverage as stated in the policy.

Ζημιές από Φωτιά συνεπεία σύγκρουσης ή τροχαίου ατυχήματος.

[17] Vandalism: Covered ↩

Malicious acts (vandalism) coverage is included as a core coverage in all three casco tiers (My Motor Complete, Complete Plus, Advanced Plus). The limit is the insured sum stated in the policy. A per-claim deductible applies as stated in the policy.

Η κάλυψη των Κακόβουλων Ενεργειών παρέχεται με απαλλαγή ανά ζημιά, όπως ορίζεται στο ασφαλιστήριο συμβόλαιο.

[18] Roadside assistance: Covered ↩

All Help (accident roadside assistance and accident care) is included as core coverage in all three casco tiers (My Motor Complete, Complete Plus, Advanced Plus). Full roadside assistance (non-accident causes) is also available as an optional supplementary coverage. Roadside assistance and towing from accident are provided only for private passenger vehicles (EIX), light commercial vehicles (FIX), and agricultural vehicles, with a maximum gross weight of 3.5 tonnes, height up to 2.5 metres, no dual rear wheels, and wheelbase up to 3.5 metres. Roadside assistance is provided in European and Mediterranean countries listed in the policy. The 24/7 helpline is 2119909000.

Η Οδική Βοήθεια και η Ρυμούλκηση από Ατύχημα παρέχονται μόνο σε Ε.Ι.Χ., Φ.Ι.Χ. και ΑΓΡΟΤΙΚΑ και μέγιστο μικτό βάρος 3,5 τόνους, ύψος έως 2,5 μέτρα που δεν φέρουν διπλούς τροχούς στον πίσω άξονα και έως 3,5μ μεταξόνιο.

[19] Replacement vehicle: Optional ↩

Available as an optional supplementary coverage in My Motor Complete, My Motor Complete Plus, and My Motor Advanced Plus. The insured must be over 23 years old and possess a credit card. Maximum coverage duration: 45 days for theft; 30 days for all other covered causes.

Ενοικίαση αυτοκινήτου

[20] Driver accident: Covered ↩

Personal accident coverage for the driver is listed as a core insured item in all three casco tiers (My Motor Complete, Complete Plus, Advanced Plus). The limit is the insured sum stated in the policy. This coverage applies only to four-wheeled vehicles.

Προσωπικό Ατύχημα έως το αναγραφόμενο στο Ασφαλιστήριο κεφάλαιο

[21] Own damage: 100% of insured sum ↩

Covers damage to the insured vehicle from collision, impact, overturning, or malicious acts regardless of fault, included in the Premium tier (μικτή ασφάλιση). Not included in Basic or Value tiers. The current market value of the vehicle at the time of the incident is the basis of indemnification. A deductible of €350 applies at an Interamerican partner workshop, or €600 at a workshop of your choice. Vehicle must be photographed/inspected before this coverage activates.

Καλύπτουμε τις ζημιές στο δικό σας όχημα μετά από ατύχημα, ακόμα κι αν δε φταίτε , αλλά και ζημιές που θα προκαλέσει σκόπιμα κάποιος άλλος στο όχημά σας με στόχο να το βλάψει.

[22] Total loss: 100% of insured sum ↩

Covered under the Premium tier as part of own damage coverage. Indemnification is based on the current market value of the vehicle at the time of the incident up to the insured sum. For vehicles stolen or totally destroyed within the 2nd year of first registration internationally, compensation is based on the insured value (not current market value).

Σε περίπτωση που κλαπεί ή καταστραφεί ολοσχερώς μέχρι και το 2ο έτος κυκλοφορίας του διεθνώς, σας αποζημιώνουμε την ασφαλισμένη αξία του οχήματος και όχι την τρέχουσα εμπορική.

[23] Partial loss: 100% of insured sum ↩

Partial own damage (repair costs) covered under Premium tier. A deductible of €350 applies at an Interamerican partner workshop, or €600 at a workshop of your choice. Covered perils include collision, impact, overturning. Natural perils (hail, flood, storm, earthquake, etc.) are covered without deductible in Value and Premium tiers. Basic tier does not include partial loss from own damage.

Το ποσό απαλλαγής, δηλαδή η συμμετοχή σας στο κόστος αποκατάστασης της ζημιάς είναι μόνο €350 σε Συνεργαζόμενο συνεργείο της Interamerican σε όλη την Ελλάδα ή €600 σε συνεργείο της επιλογής σας.

[24] Theft & robbery: 100% of insured sum ↩

Total theft: compensation at current market value of the vehicle at the day of theft, paid 30 days after reporting to the company and filing a police report (if vehicle not recovered). Partial theft: covers theft of parts/accessories permanently fixed to the vehicle, including audio, video, navigation and telecommunications systems at full value. Included in Value and Premium tiers. Not included in Basic.

Σε περίπτωση ολικής κλοπής του οχήματός σας, σας αποζημιώνουμε στην πλήρη τρέχουσα εμπορική του αξία κατά τη μέρα της κλοπής. Θα καταβάλουμε την αποζημίωση μετά από 30 μόνο μέρες από την ημερομηνία δήλωσης της κλοπής στην Εταιρία μας.

[25] Glass damage: €1,500 ↩

Optional add-on (policies of 90 days or longer). Covers windows, glass sunroofs, protective films and rain sensors from any external or internal cause, with no deductible, up to €1,500 in total for the policy period. Cover applies only when repair or replacement is done at a partner company or workshop (Carglass, Glassdrive, ΦΙΛΗΣGlass, GlassFit, or any partner workshop), paid directly by Anytime. Lights, mirrors, indicators and films (ζελατίνες) are excluded.

Αν έχετε στο πρόγραμμά σας την κάλυψη "Θραύση κρυστάλλων", στην Anytime συνεργαζόμαστε με τις εταιρίες Carglass, Glassdrive, ΦΙΛΗΣGlass και GlassFit , για την υπεύθυνη αποκατάσταση των ζημιών στα τζάμια του αυτοκινήτου σας.

[26] Natural perils: 100% of insured sum ↩

Covers damage caused by natural perils including hail, flood, storm, earthquake, fire from forest, and direct flood/earthquake damage. No deductible applies. Included in Value and Premium tiers. Not included in Basic tier. Fires from forests and direct flood/earthquake damage are explicitly mentioned as covered.

Καλύπτονται οι ζημιές που θα προκληθούν στο όχημα σας από πυρκαγιά από δάσος καθώς & άμεσα από πλημμύρα & σεισμό.

[27] Vandalism: 100% of insured sum ↩

Covers malicious damage to the insured vehicle caused by any third party acting with malicious intent. Included in the Premium tier as part of 'own damage & malicious acts' (ίδιες ζημιές & κακόβουλες ενέργειες). Not included in Basic or Value tiers as a standalone coverage.

Κακόβουλη ενέργεια τρίτων με στόχο τον βανδαλισμό ή τη δολιοφθορά του

[28] Roadside assistance: Covered ↩

Provided by INTERAMERICAN's own fleet: 222 vehicles across 111 service points, 350 specialized staff, serving approximately 500,000 incidents per year. Included in Premium tier. Available as optional add-on in Basic and Value tiers. 24/7 service. Covers on-site assistance and towing to garage of choice.

Με πυκνό δίκτυο, 222 ιδιόκτητα οχήματα σε 111 σημεία εξυπηρέτησης, 150 επιπλέον οχήματα 65 συνεργατών, 350 εξειδικευμένα άτομα και διεθνείς συνεργασίες, εξυπηρετούμε κατά μέσο όρο 500.000 περιστατικά τον χρόνο.

[29] Replacement vehicle: Optional ↩

Available as an optional add-on for Value and Premium tiers (Ενοικιαζόμενο όχημα). Provides a rental replacement vehicle when the insured vehicle is immobilised due to an event covered by the policy (fire, total/partial theft, own damage & malicious acts). Provided for up to 20 days, with a 5-day waiting period for fire/partial theft/own damage events; from the day after the incident for total loss; up to 30 days for total theft from the date of police report filing. Fuel costs and optional insurance premiums for the rental vehicle are not covered.

Σε περίπτωση Πυρκαγιάς, Μερικής κλοπής, Ιδίων Ζημιών & Κακόβουλων ενεργειών, θα παρέχεται μέχρι και 20 μέρες, αφότου περάσουν 5 μέρες από τη μέρα του ατυχήματος.

[30] Driver accident: €15,000 ↩

Covers the driver for traffic accidents occurring while driving, boarding or alighting the vehicle, with compensation up to €15,000 for death, up to €15,000 for permanent total disability, and up to €15,000 for permanent partial disability. Included in the Basic tier for passenger cars as a mandatory cover, together with third-party liability and vehicle recovery after accident.

€15.000 για απώλεια ζωής μέχρι και €15.000 για μόνιμη ολική ανικανότητα μέχρι και €15.000 για μόνιμη μερική ανικανότητα

[31] Own damage: Covered ↩

Covers damage to the insured vehicle from collision or accident, including total loss, available exclusively under the Auto Full package for private passenger cars (ΕΙΧ). Compensation is paid up to the insured sum agreed in the policy. Not covered in Standard, Advance, or Value packages. Poor maintenance, wear and tear, or tyre damage are excluded.

Με το πρόγραμμα Full ασφαλίζεται επιπλέον των ως άνω καλύψεων μόνο για χρήση Επιβατικού Ι.Χ. ✓ Ίδιες Ζημιές

[32] Total loss: Covered ↩

Covered as part of Own Damage (Ίδιες Ζημιές) under the Auto Full package for private passenger cars only. Compensation paid up to the insured sum. Excluded when caused by poor maintenance, wear and tear, or tyre failure.

[33] Partial loss: Covered ↩

Covered as part of Own Damage (Ίδιες Ζημιές) under the Auto Full package for private passenger cars only. Covers partial damage to the insured vehicle resulting from an accident. Excluded when caused by poor maintenance, wear and tear, or tyre failure.

[34] Theft & robbery: Covered ↩

Total theft: compensation according to the current market value of the vehicle (Auto Value and Auto Full). Partial theft: covers removal of fixed components due to theft or robbery, and damage from attempted theft (Auto Value for cars only; motorcycles excluded from partial theft). Theft coverage (total or partial) requires simultaneous fire coverage and minimum insured vehicle value of €4,000. Coverage also includes damages from attempted theft.

Ολική Κλοπή (αποζημίωση σύμφωνα με την τρέχουσα αξία του οχήματος) ✓ Μερική Κλοπή με εξαίρεση την χρήση Δικύκλου

[35] Glass damage: Optional ↩

Optional coverage for breakage of windscreen and windows from an external cause. Included in the Auto Advance package (mandatory in Advance tier per product launch; optional in Standard). A deductible of €500 applies for repairs at non-partner workshops (from 1/1/2023; previously €250). Damages to lights or external mirrors are excluded. Carglass is a partner repair network for this coverage.

Προαιρετικά παρέχονται οι καλύψεις: ... Θραύση κρυστάλλων ( από εξωτερική αιτία)

[36] Natural perils: Covered ↩

Covers fire, natural phenomena, acts of God, and hailstorm damage. Available from Auto Value tier upwards. Hailstorm coverage capped at €1,500 (increased from €1,000 effective 1/12/2022, applying to new policies and renewals without premium change). Natural phenomena and hailstorm excluded for motorcycle use. Excludes coverage from radioactivity or nuclear energy.

Φυσικά Φαινόμενα + Θεομηνίες με εξαίρεση την χρήση Δικύκλου ✓ Χαλαζόπτωση με εξαίρεση την χρήση Δικύκλου

[37] Vandalism: Covered ↩

Covers malicious damage to the insured vehicle. Available exclusively under the Auto Full package and only for private passenger cars (ΕΙΧ). Not available for motorcycles, commercial vehicles, or lower tiers.

Κακόβουλες βλάβες ίδιων ζημιών

[38] Roadside assistance: Optional ↩

Optional coverage for vehicle breakdown, available under the Standard/Advance programme as well as the Value and Full packages. Provides immediate vehicle transport if immobilized on the road due to accident. Also provides assistance for trips over 25 km from the insured's place of residence, covering incidents such as injury, illness, loss of luggage, or trip interruption due to an emergency. Vehicle towing to a workshop is not covered if the breakdown can be repaired on-site. Not available for vehicles over 3.5 tonnes gross weight, overall length exceeding 5,500 mm, width exceeding 2,050 mm, or wheelbase over 3.15 metres. Emergency line: 2130904363 (24/7).

Προαιρετικά παρέχονται οι καλύψεις: ... Οδική Βοήθεια (σε περίπτωση βλάβης)

[39] Replacement vehicle: See details ↩

Replacement vehicle coverage is not mentioned or offered in the Apeiron Standard/Advance/Value/Full product line across the sources reviewed.

[40] Driver accident: Optional ↩

Optional coverage for the driver. Pays compensation up to the agreed sum for total or partial permanent disability or death of the driver resulting from an accident. Motorcycle use is explicitly excluded from this coverage. Available as an add-on across all packages.

Προσωπικό Ατύχημα οδηγού (αποζημίωση έως του συμφωνηθέντος ποσού για ολική ή μερική ανικανότητα ή απώλεια ζωής του οδηγού από ατύχημα) με εξαίρεση την χρήση Δικύκλου

[41] Own damage: Conditional ↩

Covers damage to the insured vehicle caused exclusively by collision, impact, overturning, swerving, or falling. Available only in Atlantic Max tier; not included in Atlantic Plus (fire+theft tier). Deductible options of 150€, 300€, 450€, 600€ or 900€ per accident apply; insurer is liable for the excess above the agreed deductible. Insurer may opt to repair rather than pay cash. Young drivers under 23 or holding licence less than 12 months without declared additional premium receive only 50% of the claim. The insured sum is based on market value at time of loss accounting for depreciation.

Ίδιες Ζημίες (απαλλαγή 150€, 300€, 450€, 600€ ή 900 €)

[42] Total loss: Not established from the insurer's documents ↩

In the event of total destruction of the insured vehicle, the insured sum is based on the market value of the vehicle at the time of loss (not the policy inception value), accounting for depreciation. Available under the own-damage (Μικτή) coverage of Atlantic Max tier only.

Καλύπτονται οι ζημίες του αυτοκινήτου οι οποίες προκαλούνται αποκλειστικά και μόνο από σύγκρουση, πρόσκρουση, εκτροπή, ανατροπή, ή πτώση αυτού.

[43] Partial loss: Not established from the insurer's documents ↩

Partial damage from collision, impact, overturning, or swerving is covered under the own-damage (Μικτή) clause of Atlantic Max. The agreed deductible (150/300/450/600/900€ per accident) is subtracted; insurer pays the excess. Valuation at market value at time of loss net of depreciation. Tyre-only damage excluded unless concurrent with other covered damage. Damage during unauthorized use/theft, pre-existing damage from poor maintenance, and damage to catalytic converter in isolation are excluded.

Συμφωνείται απαλλαγή της Ασφαλιστικής Εταιρίας για ορισμένο ποσό κατ’ ατύχημα, το οποίο αναγράφεται στην αντίστοιχη θέση του πίνακα καλύψεων της πρώτης σελίδας του ασφαλιστηρίου και η Εταιρία ευθύνεται για την αποκατάσταση της ζημίας πέραν του ποσού της απαλλαγής.

[44] Theft & robbery: Not established from the insurer's documents ↩

Total theft: covers the actual market value of the vehicle at the time of loss (not inception value). Insurer's obligation arises after 60 days from police report submission and after presentation of a certificate that the complaint is pending. Vehicle found within 60 days with damage exceeding 90% of value is treated as total loss. Extended total theft (coverage code 0005): covers vehicles found within 60 days with damage exceeding 50% of value. Partial theft (coverage code 0006): covers value of stolen parts firmly attached to the vehicle necessary for operation, plus body damage caused during removal, and attempted break-in damage up to 10% of insured sum max 1,500€ with 150€ deductible per incident. Available in Atlantic Plus and Atlantic Max tiers. Insured must deliver all vehicle keys before settlement payment.

Ως ολική απώλεια θεωρείται και η ανεύρεση του αυτοκινήτου εντός της διμήνου προθεσμίας από την απώλειά του, με υλικές ζημίες των οποίων η δαπάνη αποκατάστασης υπερβαίνει το 90%, ποσοστό επί της αξίας του κατά το χρόνο της επέλευσης του κινδύνου.

[45] Glass damage: €1,200 ↩

Covers any breakage of glass including replacement/repair labour and cleaning of the vehicle from debris, from any cause including attempted theft. Front/rear lights, mirrors, and turn indicators are excluded. Panoramic roofs and sunroofs and their mechanisms are excluded. Coverage applies only in case of partial damage to vehicle and is excluded in total loss. Insurer may pay cash or replace with glass of equivalent quality. Replacement coordinated free of charge through insurer's helpline (10234 or 2107470001) at authorized workshops when covered. Included as a basic cover in Atlantic Max up to a limit of 1,200€; available as an optional add-on (no stated limit) in Atlantic Plus. Coverage code 0009.

Θραύση κρυστάλλων (κεφ. 1.200€)

[46] Natural perils: Covered ↩

Two separate coverages: (1) Natural Phenomena (code 0011): covers damage caused directly or indirectly by storm, flood, typhoon, gale, windstorm, volcanic eruption, earthquake; excludes hailstorm and frost-related mechanical failures; requires concurrent fire cover; included as a basic cover in both Atlantic Plus and Atlantic Max tiers. (2) Hailstorm (code 0021): covers damage exclusively from hailstorm; 300€ deductible per accident; requires concurrent Natural Phenomena and Fire cover; optional add-on in Atlantic Plus but included as a basic cover in Atlantic Max.

Φυσικοί κίνδυνοι

[47] Vandalism: Conditional ↩

Covers damage to the insured vehicle caused by malicious acts of third parties (vandalism/sabotage). 150€ deductible per incident applies. Must be provided together with Fire coverage. Police written confirmation required. Damage caused during theft is excluded. Coverage code 0007 (part of broader Terrorism/Strikes/Malicious Damage cover). Included as a basic cover in Atlantic Max; available only as an optional add-on in Atlantic Plus.

Ζημιές από Τρομ. Ενέργειες, Στάσεις, Απεργίες, Οχλαγωγίες, Βανδαλισμούς, Κακόβουλες βλάβες τρίτων (απαλλαγή 150€ ανά περιστατικό μόνο στις ζημίες από κακόβουλες βλάβες τρίτων)

[48] Roadside assistance: Optional ↩

24/7 accident care (Φροντίδα ατυχήματος) is included as a basic cover in both Atlantic Plus and Atlantic Max tiers: insurer dispatches a representative to the accident scene to complete accident declarations, photograph vehicles, and transport the immobilized vehicle to the insured's chosen workshop near their permanent residence (vehicles up to 3.5 tonnes), via helpline 10234 or 2107470001 or the Atlantiki Assistance mobile app (Android/iOS). Roadside & Travel Assistance (code 0031) — covering on-site repair attempts, vehicle retrieval to public road (up to 300€), hotel stay (up to 250€/3 nights if breakdown >50 km from home), continuation-of-journey transport costs (up to 250€), taxi costs (up to 120€), rental car during trip (up to 250€/2 days if repair >48h), fuel assistance, and medical transfer — is an optional add-on in both Atlantic Plus and Atlantic Max tiers. Coverage is only active while the MTPL policy is in force.

Οδική & Ταξιδιωτική Βοήθεια

[49] Replacement vehicle: Not established from the insurer's documents ↩

Three replacement vehicle coverages available: (1) Rental car from fire/partial theft/own-damage/total theft (code 0016): insurer provides rental vehicle or covers rental costs; max 40 days for fire/partial theft/own-damage (3-day waiting period); max 60 days for total theft (5-day waiting period); max reimbursement is 6% of insured value for theft; replacement must be equal or lesser horsepower, max 11hp; damage threshold >25% of vehicle value (min 2,934.70€) for fire/partial theft/own-damage cases; available in Atlantic Max. (2) Temporary replacement vehicle due to theft (code 0065): free-of-charge replacement up to 60 days while stolen vehicle is sought; up to 1,400cc for vehicles up to 1,400cc, up to 1,600cc for vehicles above 1,401cc; within Greek territory only; available in Atlantic Plus and Atlantic Max. (3) Replacement vehicle due to accident (under Roadside & Travel Assistance Plus code 0031): up to 3 days, up to 1,600cc, within Greek territory; available in Atlantic Plus and Atlantic Max.

Σε περίπτωση ζημιάς του ασφαλισμένου αυτοκινήτου από Πυρκαγιά ή Μερική Κλοπή ή Ίδιες Ζημίες ή Ολική Κλοπή και με την προϋπόθεση ότι το ασφαλιζόμενο όχημα έχει ασφαλισθεί για τους εν λόγω κινδύνους τότε η Εταιρία θα παρέχει στον ασφαλισμένο ενοικιαζόμενο αυτοκίνητο.

[50] Driver accident: Covered ↩

Covers death and permanent disability (total or partial) of the driver and co-riding owner resulting from a road accident during vehicle operation. Death: full insured sum paid to beneficiaries if death occurs within 1 year of accident. Permanent total disability: full insured sum (blindness of both eyes, loss of both arms/legs, irreversible brain trauma, total permanent paralysis). Permanent partial disability: proportional payment per statutory table. Coverage within Greek territory only (code 0010). Insured sum amount specified in the individual policy schedule. Valid only for accidents during driving. Included as a basic cover in both Atlantic Plus and Atlantic Max tiers.

Προσωπικό ατύχημα

[51] Own damage: Covered ↩

Included in the Complete (Μικτή) tier. Covers own vehicle damage resulting from collision, accident or other insured perils. Exact limit is the insured vehicle value as stated in the policy. Not available in the fire-and-theft-only tiers (Premium/Value).

Ιδίες ζημίες (με απαλλαγή)

[52] Total loss: Covered ↩

Total theft is covered under both the fire-and-theft tiers (Premium/Value) and the Complete (Μικτή) tier. Compensation is based on the current market value of the insured vehicle, subject to deductible as stated in the policy.

Μερική και ολική κλοπή αυτοκινήτου (με απαλλαγή)

[53] Partial loss: Covered ↩

Partial theft (damage resulting from an attempted theft) is covered under the fire-and-theft tiers (Premium/Value) and the Complete tier, subject to deductible as stated in the policy.

Μερική και ολική κλοπή αυτοκινήτου (με απαλλαγή)

[54] Theft & robbery: Covered ↩

Full and partial theft of the insured vehicle as well as fire, lightning strike, explosion and terrorist acts are covered under the Premium/Value and Complete tiers. Deductible applies as stated in the policy.

[55] Glass damage: €1,500 ↩

Included in the Premium/Value (fire-theft) and Complete packages with a limit of €1,500; available as an optional add-on to the Basic package via insurancemarket.gr from approximately €1.67/month.

Θραύση κρυστάλλων με όριο 1500€

[56] Natural perils: Covered ↩

Damages caused by natural perils including forest fire, flood and earthquake (under Greek Law 5162/2024) are covered in the Premium/Value and Complete tiers. Deductible is the amount stated in the insurance offer and policy document.

[57] Vandalism: Covered ↩

Coverage for damages from fire due to strikes, riots and civil disturbances, arson, explosion or fire from political unrest, covered under the fire-and-theft tiers (Premium/Value) and Complete. Exact limit as stated in the policy.

[58] Roadside assistance: Optional ↩

Available as an optional add-on via insurancemarket.gr from approximately €2.41/month, and via Magenta Insurance at €29.50/year. Not included by default in Caravela casco tiers. Towing to a cooperating or customer-chosen workshop in the same prefecture is included in the accident management service for accident cases.

Οδική βοήθεια από 2,41€ / μήνα

[59] Replacement vehicle: See details ↩

No source explicitly mentions a replacement vehicle benefit in the Caravela casco product for Greece.

[60] Driver accident: Covered ↩

Included in all packages (Basic, Premium/Value and Complete). Compensates the driver of the insured vehicle, or their next of kin/heirs, in the event of death, injury or incapacity for work resulting from a road traffic accident, subject to an expense limit of €5,000 as stated in the policy.

Προσωπικό ατύχημα οδηγού με όριο εξόδων 5000€

[61] Own damage: Conditional ↩

Covers material damage to the insured truck caused by a road accident, including accidents where the driver is at fault (comprehensive cover). Available in the Superior Plus tier only. Exact indemnity limit equals the insured/market value of the vehicle at the time of loss. Not included in Simple Plus, Advanced Plus, or Total Plus.

[62] Total loss: Conditional ↩

Total loss is settled at the current market value of the vehicle at the time of the incident. Covered under the comprehensive (own damage) element of Superior Plus, and additionally under total theft in Total Plus and Superior Plus. Specific total-loss limits are not published in available sources.

[63] Partial loss: Conditional ↩

Partial damage from own-fault accidents is covered only under Superior Plus (comprehensive). Partial theft is covered under Total Plus and Superior Plus. Not available in Simple Plus or Advanced Plus for either peril.

[64] Theft & robbery: Conditional ↩

Covers total and partial theft of the insured truck. Available as a core coverage in Total Plus and Superior Plus. Optionally available in Simple Plus and Advanced Plus tiers. Exact indemnity limit equals the insured market value.

[65] Glass damage: €1,500 ↩

Covers breakage and damage to vehicle glass/windscreen. Included as a core coverage in Advanced Plus, Total Plus, and Superior Plus. Available as an optional add-on in Simple Plus. ERGO has a network of partner glass-repair companies for in-kind repair.

Θραύση κρυστάλλων έως 1.500€

[66] Natural perils: Conditional ↩

Covers damage caused by storms, floods, and other extreme weather events. In the Total Plus and Superior Plus tiers, weather/natural perils coverage is included as a core coverage. ERGO has also introduced mandatory natural-disaster coverage (forest fire, flood) for vehicles with active registration under Greek law. Hail is excluded from the standard weather cover in Total Plus unless the optional hail coverage is purchased; hail is included as a core coverage in Superior Plus. In Simple Plus and Advanced Plus, natural perils coverage is optional. Note: a 2026 ERGO PR states that natural disaster cover is automatically included in all My Auto policies per new Greek law; the interaction with the truck-specific tier structure is not fully clarified in available sources.

[67] Vandalism: Conditional ↩

Malicious damage (vandalism) is included in Superior Plus up to the vehicle's insured value, with a deductible of 1% of insured value per claim (minimum EUR 300).

[68] Roadside assistance: Optional ↩

24/7 roadside assistance and accident assistance available in Greece and abroad. Provided in cooperation with MAPFRE ASISTENCIA. Included in all tiers as a core coverage for accident assistance (towing and on-scene recording). Full roadside assistance (breakdown) is an optional additional coverage. Vehicle towing for trucks is subject to: GVW ≤3,500 kg, height ≤3 m, wheelbase ≤3.6 m, no dual rear-axle wheels, vehicle age <30 years.

[69] Replacement vehicle: Optional ↩

Car hire after theft up to EUR 900 is included in Superior Plus and optional in Total Plus; car hire after own damage up to EUR 600 is included in Superior Plus.

[70] Driver accident: €15,000 ↩

Personal accident coverage for the driver in case of a road accident. Included as a core coverage in Advanced Plus, Total Plus, and Superior Plus. Available as an optional add-on in Simple Plus.

Ατύχημα οδηγού έως 15.000€

[71] Own damage: Conditional ↩

Coverage for own vehicle damage arising exclusively from collision, impact, skidding, overturning or falling during circulation (Ασφάλιση Ιδίων Ζημιών – Μικτή). Compensation is based on the vehicle's current market value at the time of the claim. Applies only in the Auto Protect Προνομιακό tier; not included in Έξτρα. The deductible is a specific amount per incident stated in the individual policy schedule, varying by insured value and coverage option selected. For vehicles over 5 years old, a depreciation deduction of 5% per year applies to spare parts, up to 40%. A value guarantee (εγγύηση αξίας) applies for new first-registered vehicles with invoice value up to €50,000: during the first 3 years of circulation, the insured value is paid in the event of total loss or theft, subject to conditions.

Η ασφαλιστική κάλυψη περιλαμβάνει τις ίδιες ζημιές του οχήματός, αποκλειστικά και μόνο κατά την κυκλοφορία του, συνεπεία σύγκρουσης, πρόσκρουσης, εκτροπής, ανατροπής ή κατάπτωσής του.

[72] Total loss: Conditional ↩

In the event of total constructive loss, compensation is determined by the vehicle's current commercial value at the date of the damaging event. For new vehicles in their first 3 years of registration with invoice value up to €50,000, the full insured value is paid (value guarantee clause – εγγύηση αξίας), deducting salvage and the applicable deductible. Applies under the Full Auto Premium tier (own-damage coverage). Under the policy's proportional rule (αναλογικός όρος / υπασφάλιση), if the insured value is less than the current market value, compensation is reduced proportionally.

η Εταιρία θα καταβάλλει για τα 3 πρώτα έτη ασφάλισης από την κυκλοφορία του οχήματος ... την ασφαλιστική αξία για την οποία είναι ασφαλισμένο το όχημα, αφαιρώντας την αξία των τυχόν διασωθέντων υπολειμμάτων (σώστρα) και της Απαλλαγής.

[73] Partial loss: Conditional ↩

Coverage for partial damage to the insured vehicle from collision, impact, skidding, overturning or falling during circulation. The insurer is liable for repair costs exceeding the applicable deductible, which is a specific amount stated in the individual policy schedule depending on insured value and option chosen. Insurer may elect to pay cash or arrange repair. For vehicles over 5 years old, a 5% per year depreciation allowance applies to spare parts (max 40%). Applies only under Auto Protect Προνομιακό tier.

Η ασφάλιση συμφωνείται με απαλλαγή του Ασφαλιστή για ορισμένο ποσό κατ’ ατύχημα, το οποίο αναγράφεται στο Ασφαλιστήριο Συμβόλαιο. Ο Ασφαλιστής ευθύνεται μόνο για την αποκατάσταση της ζημιάς πέραν του ποσού της απαλλαγής.

[74] Theft & robbery: Covered ↩

Coverage for total vehicle theft and partial theft (ολική και μερική κλοπή). Total theft coverage pays the vehicle's market value on the day of loss, subject to a 45-day waiting period from reporting before compensation is due; deductible: €400. Partial theft covers stolen factory-installed components and body damage from break-in; non-factory equipment covered only if declared and described in the application (up to €500 for non-factory solidly attached parts). Included in both Full Auto Value and Full Auto Premium tiers. A police report and criminal complaint are mandatory conditions. Replacement vehicle is provided for up to 45 days following total theft (only for private passenger vehicles valued at or above €3,000). Partial theft cover requires concurrent total theft cover.

Η Υποχρέωση του Ασφαλιστή για την καταβολή της αποζημίωσης γεννάται μετά την παρέλευση σαράντα πέντε (45) ημερών, από την ημερομηνία της αναγγελίας στον Ασφαλιστή

[75] Glass damage: Conditional ↩

Coverage for breakage of vehicle glass in first-risk basis (Α' Κίνδυνο) up to the insured sum per policy year, including fitting and cleaning costs and breakage during attempted theft. Factory-installed sliding glass sunroofs covered for up to 5 years from first registration. Deductible: €150 (waived if repair is performed at an authorised partner glazing workshop). Excluded: front/rear lights, direction indicators, interior mirror, plastic sunroofs, glass roofs, and breakage caused by hail unless natural-perils cover also exists. Included in Full Auto Value and Full Auto Premium tiers. 30-day waiting period from application applies unless a pre-insurance inspection was conducted or a previous policy is transferred.

Η ασφάλιση καλύπτει σε Α’ Κίνδυνο (όπως περιγράφεται στους ορισμούς) κάθε θραύση κρυστάλλου μέχρι το ύψος του ασφαλιζόμενου κεφαλαίου ανά ασφαλιστικό έτος, συμπεριλαμβανομένων των εξόδων τοποθέτησης και καθαρισμού του οχήματος από τα θραύσματα, καθώς και της θραύσης κατά την απόπειρα κλοπής.

[76] Natural perils: Covered ↩

Coverage for damage to the insured vehicle caused during circulation by proven extreme natural events including flood, hail, typhoon, storm, windstorm, volcanic eruption, earthquake or other extreme natural disturbance, including engine damage. Also includes separate standalone coverage for flood from extreme natural disturbance and for forest-fire damage. Mandatory from 1 June 2025 under Greek Law 5162/2024. The deductible is the amount stated in the individual policy schedule, applied per incident; no deductible applies for flood damage caused by extreme natural disturbance. Frost damage is excluded. Intentional crossing of flooded roads/waterways is excluded. A certificate from the National Meteorological Service is required to confirm the event. Included in Auto Protect Έξτρα and Auto Protect Προνομιακό tiers.

H ασφαλιστική κάλυψη περιλαμβάνει τις ζημιές που επέρχονται στο ασφαλισμένο όχημα, κατά την κυκλοφορία του αποδεδειγμένα από πλημμύρα, χαλάζι, τυφώνα, λαίλαπα, ανεμοθύελλα, έκρηξη ηφαιστείου, σεισμού ή άλλης ακραίας φυσικής διαταραχής και περιλαμβάνει και τις ζημίες στον κινητήρα.

[77] Vandalism: Conditional ↩

Coverage for direct damage to the insured vehicle caused by malicious acts of third parties, whether individual or collective. The insured must file a criminal complaint against the perpetrators. The deductible is the amount stated in the individual policy schedule, applied per incident. A police report/criminal complaint copy must be provided to the insurer. Included only in Auto Protect Προνομιακό tier. Also separately, fire and explosion damage resulting from terrorist acts, riots, demonstrations, strikes and civil disturbances are covered under the fire-from-terrorism clause in both Έξτρα and Προνομιακό.

H ασφαλιστική κάλυψη περιλαμβάνει τις ζημιές που θα προκληθούν άμεσα, στο ίδιο το ασφαλισμένο όχημα, από κακόβουλες πράξεις τρίτων μεμονωμένες ή όχι.

[78] Roadside assistance: Optional ↩

Optional add-on available with all Auto Protect tiers. Provided via AWP P&C S.A. (Mondial Assistance). Services include: on-site repair, vehicle transfer to insured's chosen workshop (within 50 km or within the regional unit, or to permanent residence), repatriation of vehicle from abroad (if repair duration exceeds 7 days), medical evacuation, travel assistance, accommodation expenses up to €250 per incident (Greece) or up to €100/person per day and €1,000/vehicle per incident (abroad, up to 7 days repair), and replacement vehicle (up to 7 days upon accident, subject to insured value and conditions). In-Greece vehicle transfer is also included as a standard base coverage (τοπική ρυμούλκηση) within the regional unit. Available 24/7 at tel. 210 90 99 999 / 210 90 99 000.

Επιτόπια επισκευή του οχήματος, εφόσον είναι δυνατή. Ενδεικτικά αναφέρονται: (μπαταρία, έλλειψη καυσίμου, χρήση διαγνωστικού κ.λπ.)

[79] Replacement vehicle: Covered ↩

Replacement vehicle is provided as a standard included benefit in Full Auto Value and Full Auto Premium (not available for motorcycles or Smart-brand vehicles). Two scenarios: (a) following total theft: up to 45 days, available from next day after reporting theft to insurer, within Greece only, minimum insured value €3,000; (b) following fire/total loss from fire: up to 15 days. Conditions: driver must be 23+ years old, hold a driving licence for at least 1 year, and provide a credit card (or cash) guarantee. Vehicle category selected by the insurer (up to 1,400 cc for insured vehicles up to 1,400 cc; up to 1,600 cc for vehicles 1,401+ cc). For accident-related use of loss-of-vehicle coverage (combined with roadside assistance add-on), up to 7 days based on repair hours.

Η ασφαλιστική κάλυψη παρέχεται αποκλειστικά και μόνο για τα ιδιωτικής χρήσεως επιβατικά οχήματα (Ε.Ι.Χ.) σε συνάρτηση πάντοτε με την κάλυψη του οχήματος κατά του κινδύνου ολικής κλοπής, με ελάχιστο όριο ασφαλιζόμενης αξίας το ποσό των € 3.000.

[80] Driver accident: Covered ↩

Covers the current driver of the insured vehicle in the event of bodily injury from a road accident caused by his/her own fault, within Greece (unless otherwise agreed). Coverages include: (A) Death: up to the amount stated in the policy; (B) Permanent total or partial disability: up to the same amount (partial disability per the disability table, max 70%); (C) Medical expenses: up to €500 per accident (limited to medicines, doctor fees, lab tests); (D) Daily hospital benefit: €50/day for up to 30 days (doubled in ICU). Benefit is paid if death or permanent disability occurs within 1 year of accident. Excluded: pre-existing conditions, cardiac events, psychiatric disorders, accidents under alcohol/drugs, suicide, racing. Included in Full Auto Value and Full Auto Premium tiers; not available for motorcycles and mopeds in Full Auto Value.

Ο Ασφαλιστής με το Συμβόλαιο του Κλάδου Αυτοκινήτων ασφαλίζει τον εκάστοτε οδηγό του ασφαλισμένου αυτοκινήτου... Γ. ΙΑΤΡΟΦΑΡΜΑΚΕΥΤΙΚΕΣ ΔΑΠΑΝΕΣ μέχρι € 500 κατά περίπτωση τροχαίου ατυχήματος του Ασφαλισμένου - οδηγού.

[81] Own damage: Conditional ↩

Covers accidental damage to the insured vehicle caused by the policyholder's own fault. Coverage limit equals the insured/agreed value of the vehicle. Available exclusively in the Platinum tier of the AutoSafe product. A deductible of 1% of the insured capital applies, with a minimum of €400.

[82] Total loss: Conditional ↩

Total loss is covered under the CASCO own damage coverage included in the Platinum tier. If the vehicle is declared a total loss, compensation is based on the insured/agreed market value at the date of the loss. For theft, total theft (ολική κλοπή) is separately covered from the Gold tier upward.

[83] Partial loss: Conditional ↩

Partial damage to the insured vehicle is covered under the CASCO own damage coverage in the Platinum tier. Partial theft (μερική κλοπή — theft of components essential for vehicle operation) is covered from the Gold tier upward. A deductible applies on own damage claims.

[84] Theft & robbery: Conditional ↩

Total theft (ολική κλοπή) covers the market value of the vehicle on the day of theft. Partial theft (μερική κλοπή) covers vehicle components essential for its operation. Both are available from the Gold tier; the Platinum tier also includes full CASCO own damage. Compensation is based on the current market value of the vehicle.

[85] Glass damage: Conditional ↩

Glass breakage (θραύση κρυστάλλων) is part of the broader CASCO own damage coverage available in the Platinum tier. Euroins Greece has a strategic partnership with Carglass® for vehicle glass repair and replacement, providing rapid service through an extensive nationwide network.

[86] Natural perils: Conditional ↩

Coverage up to the vehicle's current value for flood, storm, windstorm, cyclone, snow, typhoon, hail, volcanic eruption, and subsidence/landslide/tidal wave caused only by earthquake or volcanic eruption. Hail damage is capped at 30% of the vehicle's current value. Deductible EUR 300, waived for repairs at partner workshops. Included from Bronze (optionally removable in Bronze); applies within Greece.

Ζημιές απο Χαλάζι εως το 30% της τρέχουσας αξίας του οχήματος ... Η κάλυψη Φυσικά Φαινόμενα παρέχεται με απαλλαγή € 300. Δεν ισχύει η απαλλαγή σε περίπτωση επισκευής μέσω των συνεργαζόμενων συνεργείων

[87] Vandalism: Optional ↩

Coverage for damages caused by malicious acts of third parties (vandalism). Available as an optional add-on to the Platinum tier. Provides full compensation up to the current market value of the vehicle for damages resulting from vandalism and other malicious actions.

[88] Roadside assistance: Optional ↩

Basic accident care (Φροντίδα Ατυχήματος) is included in the Bronze base tier. Full roadside and travel assistance (Πλήρης Οδική & Ταξιδιωτική Βοήθεια) is available as an optional add-on across tiers. Coverage extends to Greece and specific European and Mediterranean countries per cooperating company agreements. The AutoSafe mobile app enables instant roadside assistance calls with GPS location.

[89] Replacement vehicle: €600 ↩

A replacement vehicle is provided, up to €600, when the insured vehicle cannot be driven due to total or partial loss, or temporary loss during repair following fire, theft or own damage (CASCO). Available from the Silver tier onward.

Αντικατάσταση οχήματος έως € 600

[90] Driver accident: €15,000 ↩

Personal accident coverage (Προσωπικό Ατύχημα) for the driver is included as a standard cover from the Bronze base tier across all AutoSafe packages, up to €5,000. An optional increase to €10,000 or €15,000 can be selected.

Προσωπικό Ατύχημα Οδηγού έως το κεφάλαιο των € 5.000. Προαιρετικά μπορεί να επιλεγεί το κεφάλαιο των € 10.000 ή των € 15.000

[91] Own damage: Covered ↩

Included coverage for damage to the insured passenger car from any cause, within the Safe Drive Plus package. The insured sum is based on the current commercial value of the vehicle. Deductible is chosen by the policyholder: €400, €750, or 3% of insured value (minimum €1,500).

Εκτίμηση ζημιών Ίδιες ζημιές Κακόβουλες πράξεις Διαθέσιμη ως προαιρετική κάλυψη

[92] Total loss: Optional ↩

Optional coverage for total destruction of the insured vehicle. Available as an add-on within the Safe Drive Plus package. Compensation is based on the current commercial value of the vehicle.

[93] Partial loss: See details ↩

Not listed as a standalone partial-loss coverage in the Safe Drive Plus IPID. Partial theft and theft-attempt damage are covered under the theft clause. Own-damage covers collision losses. No standalone partial-loss coverage field found.

[94] Theft & robbery: 2.5% of insured sum ↩

Included basic coverage for total theft and partial theft (robbery) of the insured passenger car, including damages from theft attempts. Damage from theft attempts is capped at 2.5% of the current commercial value of the vehicle. Total theft is compensated based on the vehicle's current commercial value. Exclusions: keys left in vehicle, windows open, or vehicle found before claim finalized.

[95] Glass damage: €1,800 ↩

Optional coverage for breakage or cracking of the insured vehicle's glass (windscreen and windows) from any cause, up to €1,800. Excludes headlights and external mirrors. A 20% deductible applies if glass is not repaired at a partner workshop.

[96] Natural perils: Covered ↩

Included coverage for damage caused by natural perils including storm, hail, snow, earthquake, flood, and wildfire. Exclusions include frost damage and damage occurring when vehicle doors, windows, or roof panels were open.

Φυσικές καταστροφές (πλημμύρα, δασική πυρκαγιά) Φυσικές καταστροφές (θύελλα, καταιγίδα, χιόνι, χαλάζι ή σεισμός)

[97] Vandalism: Optional ↩

Optional coverage for damage caused by malicious acts (vandalism) to the insured vehicle. Damage caused by fire or theft is explicitly excluded from this clause.

[98] Roadside assistance: Optional ↩

Optional full roadside and travel assistance provided in partnership with Mondial Assistance, available 24/7, 365 days a year. Covers breakdown and accident immobilization occurring 25 km or more from the policyholder's permanent residence. A basic roadside assistance (after accident only) is included in the base package. Full roadside & travel assistance is the optional upgrade.

[99] Replacement vehicle: Optional ↩

Optional coverage providing a replacement vehicle or rental car expenses in case of theft or damage to the insured vehicle, including mechanical or electrical breakdown. Requires prior selection of full roadside and travel assistance coverage. Provided via Mondial Assistance.

[100] Driver accident: Optional ↩

Optional coverage for personal accident and medical expenses of the driver. Exclusions include pre-existing conditions, injuries caused by intent, alcohol, drug use, suicide, or commission of an unlawful act.

[101] Own damage: Optional ↩

Covers damage to the insured vehicle caused exclusively during circulation by collision, impact, swerving, overturning or falling. Available as an optional add-on on Euro Perfect, Euro Safe Plus, Euro Safe Plus Extra and Eurofirst Truck Plus tiers. The sum insured equals the current market value of the vehicle at the time of the loss. A deductible of 3% of the vehicle value applies (minimum €450). The insurer may settle by repairing the vehicle or paying cash compensation up to the insured sum.

[102] Total loss: 100% of insured sum ↩

In the event of total destruction of the insured vehicle, the insurer's liability is limited to its current market value at the time of the event. Total loss settlement is governed by the same terms as own-damage coverage (Art. 22 of the optional coverage T&C). Available as part of own-damage coverage on Euro Perfect, Euro Safe Plus and Euro Safe Plus Extra tiers.

[103] Partial loss: 100% of insured sum ↩

Partial losses to the insured vehicle resulting from collision, impact, swerving, overturning or falling are covered up to the insured sum (current market value). A deductible of 3% of vehicle value applies (minimum €450). If the insured sum covers only part of the vehicle's value, the insured bears a proportionate share of all losses. Available as an optional add-on on Euro Perfect, Euro Safe Plus and Euro Safe Plus Extra tiers.

[104] Theft & robbery: 100% of insured sum ↩

Total theft: covers the current market value of the vehicle on the day of loss. The insurer's obligation arises after 90 days from the filing of a police report, provided the vehicle has not been recovered. Partial theft: covers the value of stolen parts firmly attached to the vehicle and necessary for its operation, plus bodywork damage caused during the theft; deductible €250 per claim (minimum insured sum €2,000 for partial theft). Both coverages require fire coverage for the same insured sum. Available as included coverage on Euro Perfect and Euro Safe Plus; optional add-on on Euro Popular (partial only via add-on). Age limit for fire/theft coverage: vehicles up to 18 years old.

[105] Glass damage: €1,000 ↩

Covers breakage of any vehicle glass due to any external cause including attempted theft, including installation and clean-up costs. Cover limit: €1,000. Deductible: €200 for repairs at non-network workshops (no deductible at network workshops). Exclusions: headlights, indicators, plastic windows, plastic windscreens, sunroofs, mirrors. Included as standard on Euro Safe Plus Extra; available as optional add-on on Euro Public, Euro Popular, Euro Perfect and Euro Safe Plus.

Θραύση κρυστάλλων για κεφάλαιο € 1.000 Ισχύει απαλλαγή € 200 για τα μη συνεργαζόμενα συνεργεία.

[106] Natural perils: 100% of insured sum ↩

Covers direct damage to the insured vehicle from natural perils including storm, gale, flood, earthquake, landslide and hail (deductible €300 per claim). Frost damage and mechanical failures resulting from natural perils are excluded. Basic flood coverage is included as standard on Euro Public, Euro Popular and Euro Safe; extended natural perils (storm, gale, landslide, hail) are included standard on Euro Safe Plus Extra and available as optional add-on on Euro Perfect and Euro Safe Plus. Proof from the National Meteorological Service is required; gale is defined as winds of Beaufort 8 or above.

[107] Vandalism: 100% of insured sum ↩

Covers direct damage to the insured vehicle caused by malicious acts of third parties (isolated or otherwise). Deductible: €300 per claim. Damage caused by terrorist acts is excluded from this coverage. Available as an optional add-on on Euro Perfect, Euro Safe Plus and Euro Safe Plus Extra tiers.

Κακόβουλες Βλάβες με απαλλαγή €300 σε περίπτωση ζημιάς.

[108] Roadside assistance: Optional ↩

Roadside and travel assistance service provided in cooperation with Interamerican Voitheia (ΙΝΤΕΡΑΜΕΡΙΚΑΝ ΒΟΗΘΕΙΑΣ ΜΟΝ. Α.Ε.Γ.Α.). Covers on-site repair, towing to nearest or chosen workshop, vehicle repatriation within Greece if repair takes more than 2 days, hotel costs (€80/person, max €240/night) if vehicle breakdown occurs more than 60 km from home, return travel costs (max €300 total), and overseas assistance (towing limit €250 abroad). Maximum 5 breakdown call-outs per annual period for mechanical failures; no limit for accidents. Coverage extends across Greece and all EU countries (except Malta), plus Switzerland, Norway, Bosnia, Croatia, Serbia and North Macedonia. Available as an optional add-on across all tiers.

Το όριο της κάλυψης αυτής είναι 80 ευρώ για κάθε επιβαίνοντα με ανώτατο τα 240 ευρώ συνολικά ανά διανυκτέρευση.

[109] Replacement vehicle: Optional ↩

Provides a replacement vehicle (up to 1,400 cc) for up to 4 days when the insured passenger car is immobilized due to an accident. Replacement vehicle due to fire/theft provides a vehicle for up to 90 days. Available as an optional add-on on Euro Public, Euro Popular, Euro Perfect, Euro Safe, Euro Safe Plus and Euro Safe Plus Extra (EIX only). Separate optional rental coverage (Ενοικίαση Αυτοκινήτου) for fire/theft is available on Euro Perfect, Euro Safe Plus and Euro Safe Plus Extra.

Σε περίπτωση ατυχήματος ή βλάβης συνεπεία ατυχήματος του Ασφαλισμένου Οχήματος η αποκατάσταση της οποίας υπερβαίνει τις 3 εργάσιμες ημέρες, η Εταιρία αναλαμβάνει την οργάνωση της παροχής Οχήματος Αντικατάστασης προς τον Ασφαλισμένο. Μέγιστος χρόνος διάθεσης του οχήματος αντικατάστασης θα είναι οι 4 ημέρες και το όχημα θα είναι μέχρι 1.400 κυβικά.

[110] Driver accident: €3,000 ↩

Covers the driver of the insured vehicle for death and permanent total/partial disability resulting from a road accident while in the driver's seat. Death and permanent total disability: up to the insured sum. Permanent partial disability: proportional to the disability percentage (max 70%). Medical expenses: up to €300 per claim within 1 year of the accident. The insured sum is €3,000 on Euro Perfect and Euro Safe Plus. Included as standard on Euro Popular, Euro Perfect and Euro Safe Plus; available as optional add-on on Euro Public, Euro Safe and Eurofirst Truck.

Προσωπικό ατύχημα οδηγού €3.000 έως €15.000

[111] Own damage: Conditional ↩

Covers damage to the insured vehicle caused by the policyholder's own fault in a traffic accident. Available exclusively in Speed On 3 (ΜΙΚΤΗ tier). Compensation is paid up to the vehicle's insured value subject to the chosen deductible (€600, reducible to €300 when repaired at an authorized partner shop). Young drivers (under 23 or licence held less than 1 year) are also eligible with a corresponding deductible. Not available in Speed On 1 or Speed On 2.

Σε περίπτωση που έχετε επιλέξει την κάλυψη των Ιδίων Ζημιών με απαλλαγή €600 και επισκευάσετε το όχημά σας σε συνεργαζόμενο συνεργείο, η απαλλαγή σας μειώνεται κατά 50%, στα €300.

[112] Total loss: Conditional ↩

Compensation for total destruction of the vehicle is available under the Own Damage (Comprehensive) coverage in Speed On 3. The insured receives the vehicle's market value at the time of loss (or the agreed/protected value if those optional covers were selected). Fire causing total loss is covered in Speed On 2 and Speed On 3. Theft resulting in total loss (total theft) is covered in Speed On 2 and Speed On 3. Not available in Speed On 1.

Αν έχετε επιλέξει την κάλυψη της Ολικής Κλοπής, θα αποζημιωθείτε με ποσό ίσο με την αξία του οχήματός σας, τη στιγμή που σας το έκλεψαν.

[113] Partial loss: Conditional ↩

Partial damage to the vehicle is covered under Own Damage (Comprehensive) in Speed On 3. Partial theft (theft of components or break-in damage) is covered in Speed On 2 and Speed On 3: audio/video/navigation devices not part of factory equipment are reimbursed up to €250 per device and €500 total; factory-installed equipment is covered at replacement value. Partial damages from fire, natural perils, malicious acts, and glass breakage are covered per the respective sub-coverages in Speed On 2 and Speed On 3. Not available for own-fault accident partial damage in Speed On 1 or Speed On 2.

Μέσω της κάλυψης Μερικής Κλοπής θα αποζημιωθείτε για ζημιές στο όχημά σας που προκλήθηκαν λόγω κλοπής ή απόπειρας κλοπής, αλλά και για οποιοδήποτε εξάρτημα σάς αφαίρεσαν από το εσωτερικό του και αποτελεί μέρος του εξοπλισμού του.

[114] Theft & robbery: Conditional ↩

Total Theft (Ολική Κλοπή): Included in Speed On 2 and Speed On 3. The insured is compensated at the vehicle's market value at the time of theft. Theft must be reported within 8 days; compensation is paid within 30 days. Partial Theft / Break-in (Μερική Κλοπή): Included in Speed On 2 and Speed On 3. Covers damage caused by theft attempt or theft of components. Non-factory audio/video/navigation devices are reimbursed up to €250 per device and €500 total. Factory-fitted equipment is covered at replacement value. Police report and theft certificate required. Not covered in Speed On 1.

[115] Glass damage: Conditional ↩

Covers replacement of all perimeter glass (front and rear windscreens, side windows), glass roofs and sunroofs, and factory-fitted glass equipment (e.g. rain sensors) due to cracking or breakage. Mirrors, lights and the mechanism operating glass roofs/sunroofs are excluded. In Speed On 1: optional add-on ('+'); deductible applies as stated in the policy. In Speed On 2 and Speed On 3: included as standard coverage; deductible as stated in the policy. When repaired at authorised partners (Carglass, Glassdrive, ΦΙΛΗΣglass) or at an authorized partner shop, no deductible is charged. If repaired elsewhere, the first €250 per claim applies as a deductible. Appointments available at the repairer's premises or via mobile repair unit.

Με την κάλυψη της Θραύσης Κρυστάλλων καλύπτεται η αντικατάσταση όλων των κρυστάλλων περιμετρικά του οχήματός σας, όπως εμπρός-πίσω παρμπρίζ και πλαϊνά τζάμια, των γυάλινων οροφών και ηλιοροφών και ο εργοστασιακός εξοπλισμός των κρυστάλλων (π.χ. αισθητήρες βροχής), λόγω ραγίσματος ή σπασίματος.

[116] Natural perils: Conditional ↩

Covers any damage to the vehicle caused by natural phenomena such as hailstorms, floods, earthquakes, etc. Frost (παγετός) is explicitly excluded. A deductible/excess applies as stated in the policy. Available in Speed On 2 and Speed On 3 as standard inclusion. Not available in Speed On 1.

Με την κάλυψη των Φυσικών Φαινομένων η Generali σάς αποζημιώνει για οποιαδήποτε ζημιά πάθει το όχημα (π.χ. από χαλαζόπτωση, πλημμύρα, σεισμό κ.α.) με μοναδική εξαίρεση τον παγετό.

[117] Vandalism: Conditional ↩

Speed On 2: Includes Malicious Acts (Κακόβουλες Ενέργειες) with deductible as stated in the policy. Speed On 3: Includes Malicious Acts AND Damage from Public Disorder / Terrorist Acts (Διατάραξη Δημόσιας Τάξης - Τρομοκρατικές Ενέργειες) as standard coverage. Fire coverage also extends to damages caused by terrorist acts at all covered tiers. Not available in Speed On 1.

Για την περίπτωση που το όχημά σας υποστεί βανδαλισμό ή το βρείτε χτυπημένο, ενεργοποιούνται οι καλύψεις των Ιδίων Ζημιών, καθώς και οι: Διατάραξη Δημόσιας Τάξης, Τρομοκρατικές και Κακόβουλες Ενέργειες.

[118] Roadside assistance: Optional ↩

Available as an optional add-on in all three tiers (Speed On 1, 2 and 3). Provides 24/7 on-site repair or towing to the nearest workshop in case of breakdown or accident. Also covers simple roadside needs such as tyre changes and fuel delivery. In Athens and Thessaloniki, assistance arrives within 30 minutes. Available throughout Greece and abroad under Green Card coverage. Activation via call to 18112 or +30 210 80 96 100, or via the MyGenerali app. Also includes free Uber taxi transfer (in cooperation with Uber) within Attica and Thessaloniki regions in case of vehicle immobilisation due to accident or breakdown, provided Roadside Assistance cover is active.

Σε περίπτωση βλάβης ή άλλου έκτακτου περιστατικού στο δρόμο, ένα σύνολο επαγγελματιών τίθεται σε δράση αναλαμβάνοντας, μεταξύ άλλων, την επιτόπου επισκευή και αποκατάστασή του ή τη μεταφορά του οχήματός σας στο πλησιέστερο συνεργείο.

[119] Replacement vehicle: Conditional ↩

Vehicle rental is included as standard coverage in Speed On 2 and Speed On 3, triggered in cases of total theft or fire causing the vehicle to be unusable. Additionally, policyholders with Own Damage (Comprehensive) coverage who use an authorized partner repair shop may receive a courtesy/replacement vehicle subject to availability. Not available in Speed On 1.

Να παραλάβετε όχημα αντικατάστασης, εφόσον υπάρχει διαθεσιμότητα

[120] Driver accident: Covered ↩

Included as standard in all three tiers (Speed On 1, 2 and 3). Covers the driver of the insured vehicle (whether the policyholder or a third party with the policyholder's consent) for personal injury expenses arising from a traffic accident, as provided for in the policy schedule. The specific insured sum is stated in the individual policy.

Αντίστοιχα, για τον οδηγό του οχήματός σας, είτε είστε εσείς, είτε τρίτος, ενεργοποιείται η κάλυψη Προσωπικού Ατυχήματος Οδηγού μέσω της οποίας αποζημιώνεστε για όλα τα έξοδα που προβλέπονται από το ασφαλιστήριό σας.

[121] Own damage: Conditional ↩

Coverage for damage to the insured vehicle caused by the policyholder's own fault (collision, accident). Available exclusively in the Pilote Plus tier. Not included in Eco or Value tiers.

[122] Total loss: Conditional ↩

Total loss of the vehicle resulting from a covered peril (e.g. own-fault collision). Covered under Pilote Plus as part of the comprehensive (Ζημιές Ιδίου Αυτοκινήτου) cover. Not covered in Eco or Value tiers unless caused by fire or natural perils.

[123] Partial loss: Conditional ↩

Partial loss coverage (damage to parts of the vehicle). Partial theft is available as an optional add-on in the Plus tier. General partial damage from own fault is included within the Pilote Plus comprehensive cover.

[124] Theft & robbery: Covered ↩

Coverage for complete loss of the vehicle due to theft. Included in all three tiers: Pilote Eco 101, Value, and Plus. Partial theft is an optional add-on available in the Plus tier.

[125] Glass damage: Conditional ↩

Coverage for windscreen and window glass breakage, excluding headlights and mirrors. Available in Pilote Value and Pilote Plus tiers. The IPID does not state a coverage limit. Not included in Pilote Eco 101.

ΘΡΑΥΣΗ ΚΡΥΣΤΑΛΛΩΝ (πλην φανών & καθρεπτών)

[126] Natural perils: Covered ↩

Coverage for vehicle damage caused by natural perils (storms, floods, hail, etc.). Included in all three tiers: Pilote Eco 101, Value, and Plus.

[127] Vandalism: Conditional ↩

Coverage for damage to the insured vehicle caused by malicious acts of third parties (vandalism). Available exclusively in the Pilote Plus tier. Not covered in Eco or Value tiers.

[128] Roadside assistance: Optional ↩

Roadside assistance available as an optional add-on across all Pilote tiers, provided in partnership with Mondial Assistance. Not included as standard in any tier. Accident care (Φροντίδα Ατυχήματος) is included standard in all tiers.

[129] Replacement vehicle: Not established from the insurer's documents ↩

A replacement vehicle during repair is mentioned as a benefit of the Anesis Motor service offered by Groupama, but specific inclusion terms and tiers are not detailed in the official IPID documents.

η Groupama Ασφαλιστική σου παρέχει την υπηρεσία Anesis Motor με ΔΩΡΕΑΝ ΑΝΤΙΚΑΤΑΣΤΑΣΗ του οχήματός σου σε περίπτωση ατυχήματος

[130] Driver accident: Optional ↩

Personal accident coverage for the driver/owner is available as an optional add-on across all Pilote tiers. Not included as standard in any tier.

[131] Own damage: 100% of insured sum ↩

Covers material damage to the insured vehicle caused by collision, impact, skidding, overturning, or falling off a cliff, regardless of fault, as well as damage sustained during transport exclusively by ship, train, or aircraft. The insured sum equals the current commercial value of the vehicle (per iAD tables). A deductible of €500 to €2,000 applies per claim; a 5% depreciation deductible per year over 5 years applies (max 40%) when new spare parts are used for a vehicle older than 5 years. Deductible may be reduced by 50% at partner garages under applicable conditions. Only included in the Own Damages Cars tier.

Καλύπτονται, ανεξάρτητα από την υπαιτιότητα, οι υλικές ζημιές που θα προκληθούν στο αυτοκίνητό σου και θα οφείλονται σε σύγκρουση, πρόσκρουση, εκτροπή, ανατροπή ή κατακρήμνισή του, σε συνέπεια οδικού τροχαίου ατυχήματος.

[132] Total loss: 100% of insured sum ↩

Total loss (economically or technically unrepairable vehicle) is handled under the Own Damages cover (Own Damages Cars tier) and also under Total Theft (Additional and Own Damages Cars tiers). Indemnity is based on the vehicle's current commercial value at the time of loss per iAD tables, net of any applicable depreciation deductible. For theft-based total loss, the 60-day non-recovery period must elapse before settlement.

Η αποζημίωση υπολογίζεται και καθορίζεται με βάση την πραγματική, τρέχουσα εμπορική αξία που είχε το ασφαλισμένο όχημα κατά το χρόνο της ζημιάς, είτε πρόκειται για ολική καταστροφή είτε για μερική ζημιά.

[133] Partial loss: 100% of insured sum ↩

Partial material damage to the vehicle is covered under Own Damages (Own Damages Cars tier). Indemnity includes the value of parts and reinstallation labour. A deductible of €500 to €2,000 applies. Tyre and rim damage is excluded unless concurrent with other covered damage. Non-standard accessories are excluded unless separately approved.

Σε περίπτωση μερικής ζημιάς, η αποζημίωση για τις υλικές ζημιές περιλαμβάνει την αξία των ανταλλακτικών καθώς και τις εργασίες επανατοποθέτησής τους.

[134] Theft & robbery: 100% of insured sum ↩

Total Theft (Ολική Κλοπή): covered in Additional Cars and Own Damages Cars tiers. Total loss of vehicle and non-recovery within 60 days triggers indemnity equal to the current commercial value (per iAD). Police report required immediately; all factory keys must be surrendered. Replacement vehicle (Category A, 1000cc manual) provided for up to 60 days. Partial Theft (Μερική Κλοπή): covered in Additional Cars and Own Damages Cars. Covers theft of parts permanently fixed to the vehicle necessary for its movement, factory audio/GPS (full value), non-factory audio/GPS (up to €100), child seat (up to €100), burglary damage to bodywork and interior. Deductible €75 applies. Visible signs of break-in required.

Ολική κλοπή θεωρείται η πλήρης απώλεια του οχήματος και η μη ανεύρεσή του σε χρονικό διάστημα εξήντα (60) ημερών.

[135] Glass damage: €1,500 ↩

Covers breakage of windscreens, perimeter windows and factory-fitted glass sunroof from any external cause. Coverage limit €1,500 per insurance period. Automatically included in Own Damages Cars tier; available as optional add-on in Essential Cars and Additional Cars tiers. No deductible when repaired/replaced by HD partner glaziers (Carglass, Glassdrive, Filis, Glassfit) using their own products. A 25% deductible applies if OEM glass is used at partner glaziers or if a non-partner garage is used. Excluded: mirrors, lights, indicators, non-glass roofs/windows, membranes, sensors, non-manufacturer-spec sunroof mechanisms.

Καλύπτουμε τη θραύση που θα προκληθεί στα κρύσταλλα του οχήματος σου από οποιαδήποτε εξωτερική αιτία.

[136] Natural perils: 100% of insured sum ↩

Two separate covers: (1) Natural Disasters (Φυσικές Καταστροφές – mandatory by law): covers flood, storm (rainfall >5 mm/h/cm²), earthquake, and fire from forests/meadows; no deductible; available as optional add-on in Essential Cars only. (2) Natural Phenomena and Hail (Φυσικά Φαινόμενα και Χαλάζι): covers flood, storm (wind force ≥8 Beaufort), hail, storm, typhoon, tornado, earthquake; €300 deductible applies; hail indemnity capped at €2,000; included in Additional Cars and Own Damages Cars tiers. Both covers require a certificate from the National Meteorological Service or competent authority confirming the event; damage must be reported within 8 days.

Καλύπτονται οι υλικές ζημιές που θα προκληθούν στο όχημά σου, αποκλειστικά και μόνο άμεσα από πλημμύρα, καταιγίδα (βροχόπτωση ύψους άνω των 5 mm την ώρα ανά τετραγωνικό εκατοστό) και σεισμό.

[137] Vandalism: 100% of insured sum ↩

Covers material damage to the vehicle bodywork caused by malicious acts of third parties. A deductible of €300 applies. Excluded: damage caused by persons related to the insured (family, friends, colleagues), damage to fabric/convertible hoods, damage caused by fire (covered under Fire), damage to wing mirrors, and damage to non-standard accessories. Included only in the Own Damages Cars tier.

Καλύπτονται οι υλικές ζημιές που θα προκληθούν στο αμάξωμα του οχήματος σου σε συνέπεια κακόβουλης πράξης τρίτων.

[138] Roadside assistance: Optional ↩

Available as an optional add-on in all tiers (Greece only, or Greece–Europe). Services include on-site repair, battery charging, tyre change, towing to nearest garage, fuel delivery, transport of passengers to home address (>50 km from home), hotel accommodation (up to 3 nights, max €75/person/night, €225/person total), and reimbursement up to €150 if self-organised due to force majeure. Operates 24/7, 365 days a year. Note: Accident Care (Φροντίδα Ατυχήματος), which includes towing following an accident, is included in all tiers at no extra cost via the 24/7 emergency line 212 222 9900.

Η υπηρεσία Οδικής Βοήθειας, παρέχεται 24 ώρες το 24ωρο, 365 ημέρες το χρόνο σε όλη την Ελλάδα.

[139] Replacement vehicle: Conditional ↩

Included in Additional Cars and Own Damages Cars tiers. Valid only for private passenger vehicles (Ε.Ι.Χ.). Triggered by total theft (up to 60 days) or fire/arson (up to 20 days following confirmed need for repair). Vehicle provided: Category A, 1000cc, manual gearbox, insured for third-party liability. Fuel costs are not covered. Driver must be aged ≥21 with at least 1 year driving licence. HD Insurance PLC is not liable for delays due to strikes, force majeure or similar events.

Σε περίπτωση που το αυτοκίνητό σου κλαπεί ή χρειαστεί επισκευή συνεπεία πυρκαγιάς και δικαιούσαι αποζημίωση βάσει των καλύψεων και των όρων του ασφαλιστηρίου συμβολαίου σου, θα σου παρέχουμε όχημα αντικατάστασης (μέσω εταιρίας ενοικιάσεως).

[140] Driver accident: €15,000 ↩

Included in all tiers (Essential Cars, Additional Cars, Own Damages Cars). Covers bodily injury to the driver of the insured vehicle resulting directly from a road traffic accident while driving the insured vehicle, or from an electrical accident while charging the vehicle at an approved charging station (not applicable for motorcycles). Covers death, permanent total disability, and permanent partial disability (up to 70% of insured sum per scale). Maximum insured sum: €15,000. Benefits must manifest within 1 year of the accident. Excluded: pre-existing conditions, driver outside passenger cabin, suicide, cardiac/vascular conditions, mental disorders, radiation effects, and for motorcycles – absence of an approved helmet.

Καλύπτονται οι σωματικές βλάβες που θα υποστεί ο οδηγός του ασφαλισμένου οχήματος εφόσον αυτές οφείλονται άμεσα σε: τροχαίο ατύχημα που συνέβη ενώ οδηγούσε το ασφαλισμένο όχημα.

[141] Own damage: 100% of insured sum ↩

Covers damage to the insured vehicle caused exclusively by collision, impact, skidding, overturning, fall, and direct malicious acts by third parties (vandalism/sabotage). Also covers damage occurring during transport on a coastal ferry or roadside assistance vehicle. Maximum liability is the current market value of the vehicle, subject to the insured coverage limit stated in the policy schedule. A deductible applies per Article 5 and is stated in the individual policy schedule. Parts depreciation of 5% per year applies from year 3 of the vehicle's age, up to a maximum of 40%.

Η Εταιρία καλύπτει τις ζημιές του ασφαλισμένου αυτοκινήτου που προκαλούνται αποκλειστικά και μόνο από σύγκρουση, πρόσκρουση, εκτροπή, ανατροπή, πτώση και άμεσα από κακόβουλη ενέργεια τρίτων.

[142] Total loss: 100% of insured sum ↩

In the event of total loss (e.g. from own damage, fire, or theft), the company pays the difference between the current market value of the vehicle at the time of loss and the value of any salvage. The maximum is capped at the insured sum in the policy schedule. For vehicles that are stolen or totally destroyed within the first two years from the date of first international registration, the 'Εγγύηση αξίας' (Value Guarantee) clause applies: the full insured amount is paid without investigation of current market value, minus salvage.

Σε περίπτωση ολικής κλοπής ή ολικής καταστροφής η Εταιρία θα καταβάλλει τη διαφορά μεταξύ της τρέχουσας αξίας του αυτοκινήτου κατά το χρόνο πρόκλησης της ζημιάς ή απώλειας και της αξίας των διασωθέντων υπολειμμάτων – σώστρα (αν υπάρχει).

[143] Partial loss: 100% of insured sum ↩

Partial damage to the insured vehicle from collision, impact, skidding, overturning, fall or malicious acts is covered up to the cost of repair. Compensation is calculated on the basis of the current market value of parts at the time of the accident, taking into account wear and age. A deductible per the policy schedule applies. Parts depreciation (5% per year from year 3, max 40%) applies to spare parts replaced with new/genuine ones.

[144] Theft & robbery: 100% of insured sum ↩

Total theft: covers the total loss of the stolen vehicle. Compensation obligation begins 30 days after the filing of a criminal complaint with the police and written notification to the company (within 8 calendar days of discovering the loss). The company may request original vehicle keys, tax declarations, and notarial powers of attorney as conditions for payment. If the vehicle is recovered after compensation has been paid, the insurer acquires ownership. Partial theft: covers theft of firmly attached parts/components essential to the vehicle's operation; interior electronics (audio, navigation, telecom devices firmly fitted) up to €500 per policy period; replacement of keys/locks up to €150 per policy period; body damage caused during the theft attempt. Damage to a soft/fabric convertible roof carries a €300 deductible. Stolen or lost original factory keys are covered. Exclusions: spare tyres and tyre covers, windshield wiper blades.

Καλύπτεται η ολική απώλεια του ασφαλισμένου οχήματος, που έχει κλαπεί. 1. Η Εταιρία έχει την υποχρέωση να καλύψει τον Ασφαλισμένο με την προϋπόθεση ότι η απώλεια δηλώθηκε αμέσως στην Αστυνομική Αρχή.

[145] Glass damage: €1,500 ↩

Covers damage to the vehicle's glass (windscreen, windows, glass roofs) resulting from breakage of any cause, including the cost of parts and replacement/repair labour. Also covers integrated membranes and rain sensors when replacement is required following a covered glass breakage. Cover is provided only when the glass is repaired or replaced at an Interamerican partner company or workshop (600+ locations across Greece); when using a partner, no deductible applies and payment is made directly by the insurer. The coverage limit is the aggregate set out in the policy schedule for the entire insurance period. Exclusions: lights, mirrors, indicators; plastic/perspex windows or sunroofs; glass on open-top (cabrio) vehicles integrally connected to the roof where the roof must be replaced simultaneously; glass replacement in the event of total destruction of the vehicle.

Καλύπτουμε όσες ζημιές κι αν προκύψουν έως €1.500 συνολικά για τη διάρκεια του συμβολαίου.

[146] Natural perils: 100% of insured sum ↩

Covers damage caused directly to the insured vehicle by storm, gale, flood, hail, snow, typhoon, windstorm, volcanic eruption, earthquake, and subsidence or landslide caused only by earthquake. Also covers damage from falling trees, poles or other fixed structures due to these natural phenomena, subject to on-site recording by an Interamerican representative after notification to the 1158 call centre. Proof of weather conditions from the Hellenic Meteorological Service (EMY) is required for payment. No deductible applies. Exclusions: damage from falling or transport of unsecured objects; mechanical faults; any damage caused by frost.

Καλύπτονται οι ζημιές που προκαλούνται στο ασφαλισμένο όχημα άμεσα από καταιγίδα, θύελλα, πλημμύρα, χαλάζι, χιόνι, τυφώνα, λαίλαπα, ανεμοθύελλα, έκρηξη ηφαιστείου, σεισμό, καθώς και από καθίζηση ή κατολίσθηση που προέρχεται μόνο από σεισμό.

[147] Vandalism: 100% of insured sum ↩

Malicious acts by third parties (vandalism or sabotage) are covered under the 'Ίδιες ζημιές & Κακόβουλες ενέργειες' article, provided the damage was not caused during strikes, riots, civil disturbances, terrorist acts or general public disorder. A deductible per the policy schedule applies. Exclusions: non-standard accessories/equipment; damage while the vehicle was in the possession of a thief; damage due to poor maintenance; tyre damage not concurrent with other covered damage.

Κακόβουλη ενέργεια τρίτων θεωρείται η πρόκληση ζημιών στο ασφαλισμένο όχημα από τρίτα πρόσωπα, με αποκλειστικό στόχο το βανδαλισμό ή τη δολιοφθορά, με την προϋπόθεση ότι οι ζημιές αυτές δεν προκλήθηκαν κατά τη διάρκεια στάσεων, απεργιών, οχλαγωγιών, πολιτικών ταραχών, τρομοκρατικών ενεργειών και διατάραξης της δημόσιας τάξης γενικά.

[148] Roadside assistance: Optional ↩

24/7 roadside assistance (call 1158) covering: on-site repair; towing to nearest local workshop when on-site repair is not possible; hotel accommodation expenses (up to €75 total) when immobilised more than 60 km from home and repair cannot be completed same day; internal repatriation of the vehicle to home city when repair requires more than 2 days; return travel expenses (up to €100) when internal repatriation is activated; fuel delivery; key lockout assistance. The cash reimbursement ceiling for out-of-network towing is €150. Coverage extends to Greece and across all EU member states (except Malta) plus Switzerland, Norway, Bosnia, Croatia, Serbia and North Macedonia; excludes Albania and the Asian part of Turkey. Provided by ΙΝΤΕΡΑΜΕΡΙΚΑΝ ΒΟΗΘΕΙΑΣ ΜΟΝΟΠΡΟΣΩΠΗ ΑΝΩΝΥΜΟΣ ΕΤΑΙΡΙΑ ΓΕΝΙΚΩΝ ΑΣΦΑΛΙΣΕΩΝ (AFM 094355007).

Μπορείτε να προσθέσετε καλύψεις, όπως τη Νομική Προστασία, την Οδική Βοήθεια, Θραύση Κρυστάλλων κ.α.

[149] Replacement vehicle: Covered ↩

A replacement hire car (up to 1,200cc, manual gearbox) is provided when the insured vehicle is temporarily or totally lost due to a repair exceeding 2 days. Duration: up to 20 days (after a 5-day waiting period from the day after the accident) for fire, own damage/malicious acts, or partial theft — no waiting period in case of total destruction. Up to 30 days (starting the day after the police complaint is filed or written declaration to the company, whichever is later) for total theft; provision stops the day the stolen vehicle is recovered. Only actual repair days count, not waiting days at the workshop. Fuel costs, optional insurance premiums for the hire car and administrative fines are excluded.

Σε περίπτωση ολικής απώλειας ή προσωρινής απώλειας του αυτοκινήτου, λόγω επισκευής που θα υπερβαίνει τις δύο (2) μέρες, η Εταιρία θα παρέχει στον Ασφαλισμένο ενοικιαζόμενο αυτοκίνητο μέχρι 1.200 c.c., με χειροκίνητο κιβώτιο ταχυτήτων.

[150] Driver accident: Covered ↩

Covers the driver of the insured vehicle for accidents occurring exclusively while driving, or while boarding/alighting the vehicle. Benefits include: death (sum insured paid to legal heirs); permanent total disability (full sum insured); permanent partial disability (percentage of the sum insured per the legal table of permanent partial disability percentages). The accident must be the proven, direct, sole and independent cause. Death or total disability must occur within 1 year of the accident. Coverage amount is stated in the individual policy schedule. Applicable to all programs. If the driver is under 23 years old or holds a licence obtained in the last 12 months and this was not declared, the company pays only 2/3 of the indemnity due.

Καλύπτεται το ατύχημα που θα υποστεί ο οδηγός του οχήματος, το οποίο αναγράφεται στο Ασφαλιστήριο, κατά τη διάρκεια ισχύος της ασφάλισης. Το ατύχημα καλύπτεται εφόσον συμβεί αποκλειστικά και μόνο κατά τη διάρκεια της οδήγησης του αυτοκινήτου, καθώς και της επιβίβασης σε αυτό και αποβίβασης από αυτό του οδηγού.

[151] Own damage: Conditional ↩

Covers damage to the insured vehicle resulting exclusively from collision, impact, skidding, overturning or falling. Cover is at the current market value of the vehicle at the time of loss, less depreciation. A deductible applies per accident: €450 for vehicles with insured value up to a certain threshold, €600 for mid-range, €1,500 for higher-value vehicles, as stated in the IPID restrictions. Damage due to poor maintenance or manufacturer defect is excluded. Cover is included only in the Easy Drive Platinum tier; not available in Basic or Gold.

Η ασφάλιση Ιδίων Ζημιών καλύπτει τις ζημιές εκείνες του ασφαλισμένου οχήματος οι οποίες είναι συνέπεια αποκλειστικά και μόνο σύγκρουσης, πρόσκρουσης, εκτροπής, ανατροπής και κατάπτωσης αυτού

[152] Total loss: Conditional ↩

Total loss (where repair cost exceeds current market value) is handled under own-damage (Ίδιες Ζημίες) in the Platinum tier and under fire and theft coverages in Gold and Platinum tiers. When the compensation amount equals the vehicle's insured value, the policy sum is reduced accordingly for the remaining period. A Guaranteed Value (Εγγύηση Αξίας) add-on is available for brand-new vehicles (up to €50,000 value, within first 2 years, first owner) in the Platinum tier, paying the original invoice price rather than depreciated market value.

Σε περίπτωση Ολικής Κλοπής ή ολικής καταστροφής του ασφαλισμένου οχήματός σας από Πυρκαγιά, Φυσικά Φαινόμενα, Κακόβουλες Ενέργειες και Ίδιες Ζημιές, όπου η τρέχουσα εμπορική αξία του, πριν την επέλευση της ζημιάς, ήταν μικρότερη από την αξία του ως καινούριο, η Εταιρία θα καταβάλει την αξία για την οποία είναι ασφαλισμένο το όχημα

[153] Partial loss: Conditional ↩

Partial loss from collision falls under own-damage (Platinum tier only). Partial theft (theft of parts firmly attached to the body and necessary for the vehicle's operation, plus bodywork damage during the theft attempt) is covered in Gold and Platinum tiers. Deductible for partial theft: €450. Stolen additional accessories (e.g. stereo/CD firmly attached) capped at €400 per item.

Ισχύει αφαιρετέα απαλλαγή Ευρώ 450... η ευθύνη της Εταιρείας δεν μπορεί να υπερβεί το ποσό των 400 ευρώ κατ’ αντικείμενο.

[154] Theft & robbery: Conditional ↩

Covers total loss of the insured vehicle due to theft at its real market value on the day of loss, subject to Art. 17 of Law 2496/97 on under/over-insurance. Compensation is payable only after 45 days from the filing of the police report, provided the vehicle has not been recovered within that period. The insurer may request a notarial power of attorney from the owner. Coverage available in Easy Drive Gold and Easy Drive Platinum tiers only; not in Basic. Vehicle must be up to 15 years old.

Η υποχρέωση της Εταιρείας υφίσταται μόνον εφόσον η απώλεια δηλώθηκε αμέσως στις αστυνομικές αρχές και εγγράφως στην Εταιρεία, έχει δε ισχύ μόνο αφού περάσουν σαρανταπέντε (45) ημέρες αφότου υποβλήθηκε σχετική μήνυση

[155] Glass damage: €1,000 ↩

Covers damage from any external cause, including theft attempt, to the front and rear windscreens and side windows of the insured vehicle, up to a maximum of €1,000 per claim. Compensation includes the purchase price and installation costs of new glass plus cleaning of broken fragments, and also covers necessary sensors when glass replacement requires it (per the Nov 2022 T&C update). A deductible of €60 applies if the repair is not carried out at a partner repair facility; no deductible when using a partner shop. Lamps, turn signal lenses, mirrors, panoramic glass roofs, sunroofs, and any window made from synthetic (non-glass) material are excluded. After compensation the cover ceases for the replaced glass unless additional premium is paid. Available as an optional add-on in Easy Drive Basic and Easy Drive Gold; included as standard in Easy Drive Platinum.

Καλύπτονται οι ζημιές από οποιαδήποτε εξωτερική αιτία, συμπεριλαμβανομένης και της απόπειρας κλοπής, από θραύση κρυστάλλων του εμπρόσθιου και οπίσθιου ανεμοθώρακα (παρμπρίζ) και των παραθύρων του αυτοκίνητου, με ανώτατο όριο το ποσό που αναφέρεται στην αντίστοιχη στήλη του Πίνακα Καλύψεων

[156] Natural perils: Conditional ↩

Covers damage directly and demonstrably caused only by storm, thunderstorm, flooding, hail, snow, typhoon, gale, windstorm, volcanic eruption, earthquake, or other phenomena determined by competent state authorities. Mechanical damage from frost is specifically excluded. Deductible: €0, €200, or €400 per event depending on the policy schedule. Included as standard in Easy Drive Platinum; available as optional add-on in Easy Drive Gold; not available in Easy Drive Basic.

απαλλαγή €0, € 200 ή € 400 στην κάλυψη των Φυσικών Φαινομένων

[157] Vandalism: Conditional ↩

Covers damage (not from fire or explosion) to the insured vehicle caused by malicious acts of third parties (vandalism or sabotage), subject to a deductible of €400 per event. The vehicle hood (κουκούλα) is specifically excluded. Coverage applies within Greece only. Available as optional in Easy Drive Gold and included as standard in Easy Drive Platinum (where the IPID lists it as included under own-damage/malicious acts). Not available in Easy Drive Basic.

απαλλαγή € 400 στην κάλυψη των Κακόβουλων Ενεργειών, που παρέχεται προαιρετικά στο πρόγραμμα Easy Drive Gold

[158] Roadside assistance: Optional ↩

Available as an optional add-on (extra premium) across all three tiers (Basic, Gold, Platinum). Provides 24/7 roadside and travel assistance via Mondial Assistance (tel. +30 2111099890) covering breakdown, accident, flat tyre, fuel shortage, key lockout, vandalism, natural perils, and fire. Includes on-site repair attempt, vehicle towing/transfer to a workshop of the insured's choice anywhere in Greece (or to the nearest workshop abroad), up to 3 days of vehicle storage, hotel costs for stranded passengers (up to 3 nights, €75/person/night, max €225 total), passenger travel back home or to destination, and repatriation from abroad. For breakdown immobilisation due to mechanical/electrical fault or battery discharge, on-site repair is first attempted. Only one transfer per incident. Road assistance for accident towing is included in all packages (Φροντίδα Ατυχήματος & Ρυμούλκηση συνεπεία Φροντίδας Ατυχήματος) at no extra charge via the same provider.

Σε περίπτωση Βλάβης, Τροχαίου Ατυχήματος ή λοιπών Καλυπτόμενων Κινδύνων παρακαλούνται οι Δικαιούχοι, πριν προβούν σε οιαδήποτε ενέργεια, να επικοινωνούν αποκλειστικά στο +30 2111099890 για την άμεση και γρήγορη εξυπηρέτηση τους, 24 ώρες το 24ωρο, 365 ημέρες το χρόνο.

[159] Replacement vehicle: Conditional ↩

Provides a replacement vehicle (up to 1600cc, via Mondial Assistance / AWP P&C S.A.) in the event of total loss due to fire or total theft of the insured vehicle. Duration: up to 45 days for fire damage (or until repair completion if sooner) and up to 45 days for total theft (or until vehicle recovery, whichever is earlier). The insured must hold a valid driving licence for at least 1 year, be at least 23 years old, and have a credit card or pay a cash deposit. Fuel costs are borne by the insured. Available in Easy Drive Gold and Easy Drive Platinum tiers; not in Easy Drive Basic. The vehicle must be covered for fire and/or total theft in the respective tier.

Σε περίπτωση που το όχημά Σας έχει Κλαπεί ή ακινητοποιηθεί συνεπεία ζημιάς του από Πυρκαγιά και χρήζετε ανάγκης οχήματος αντικατάστασης

[160] Driver accident: €5,000 – €15,000 ↩

Included as standard in all three tiers (Basic, Gold, Platinum) at a base level of €5,000 for death, permanent total disability, and medical expenses (€300 base; varies by coverage level). Optional enhancement available up to €15,000. Coverage applies while the insured is inside the vehicle (moving or stationary). Benefits include: death (up to insured amount), permanent total disability (up to insured amount), permanent partial disability (percentage of insured amount per schedule), medical expenses from accident (up to stated limit per year), daily hospitalisation allowance (€3 to €15/day depending on tier, max 30 days), and convalescence allowance (available at higher coverage levels, €7.50/day, max 7 days). Coverage is within Greece only. Drivers over 65 years of age are excluded.

Προσωπικό Ατύχημα Οδηγού έως € 15.000

[161] Own damage: 100% of insured sum ↩

Covers damage to the insured vehicle caused exclusively by collision, impact, swerving or overturning, provided the vehicle is driven by its lawful holder. Available only in Vollkasko and Vollkasko+ tiers. Excluded: damage to undercarriage and tyres (unless caused by collision with another known vehicle); non-factory-fitted accessories (require special written agreement); damage when the vehicle has been stolen or removed without authorisation. No coverage if driver is under 25 or over 70 years old, or obtained driving licence within the last 12 months. In Vollkasko+ the coverage explicitly includes damage during periods of theft.

[162] Total loss: 100% of insured sum ↩

Covers the actual market value of the insured vehicle on the day of theft, provided the insured amount is not less than the vehicle's actual value. Compensation obligation arises 90 days after filing a police report, provided the vehicle has not been recovered. Available in all KASKO tiers (Minikasko, Teilkasko, Extensionkasko, Vollkasko, Vollkasko+). Theft must be reported to police within 12 hours, and to the insurer within 3 days.

[163] Partial loss: 100% of insured sum ↩

Covers the current replacement value of insured parts and accessories that have been stolen, provided they are firmly attached to the vehicle body and essential for its operation. Audio system covered up to €500. Coverage for burglary damage and attempt-to-theft damage also included. Cabrio hood and audio system excluded for convertible vehicles. Requires total theft coverage to be in force. Available in Teilkasko, Extensionkasko, Vollkasko, Vollkasko+; not available in Minikasko for heavy commercial vehicles.

[164] Theft & robbery: 100% of insured sum ↩

Combines total theft (covers actual vehicle value at time of theft, claimable after 90 days from police report) and partial theft (covers stolen firmly-attached components up to the insured sum). Total theft is available in all KASKO tiers. Partial theft available in Teilkasko, Extensionkasko, Vollkasko, Vollkasko+. Theft by persons with employment or family relations with the policyholder is excluded.

[165] Glass damage: €1,000 ↩

Covers damage to the vehicle's glazing (excluding lights and mirrors) in first-risk basis up to €1,000 per tier (doubled to €2,000 when combined with a KASKO package). No deductible applies if repaired at a partner workshop; €80 deductible applies at non-partner workshops. Airbag cover is also included in first-risk basis up to €1,000 (no deductible). Available across all KASKO tiers. For Vollkasko+ the coverage also includes damage from vandalism and scratches to glazing.

[166] Natural perils: 100% of insured sum ↩

Covers damage to the insured vehicle caused by flood, typhoon, storm, hail, and snowfall. Engine damage from frost is excluded. A minimum deductible of €250 applies for natural perils and hail. For storm/wind damage, wind speed must exceed 8 Beaufort, evidenced by the National Meteorological Service. Available in Teilkasko, Extensionkasko, Vollkasko, Vollkasko+ tiers; not included in Minikasko.

[167] Vandalism: 100% of insured sum ↩

Covers material damage to the insured vehicle caused by proven malicious acts of third parties (arson/vandalism). Excludes: scratches from sharp objects; damage during political unrest/war; damage when vehicle was stolen; damage by relatives up to 3rd degree or former/current spouse. For Vollkasko, own damage from malicious acts is included but side panels, bumpers, lights and scratches from sharp objects are excluded. Available only in Vollkasko and Vollkasko+ tiers.

[168] Roadside assistance: Unlimited ↩

On-site repair, towing to nearest workshop, domestic repatriation of vehicle (for breakdowns >2 days or >60 km from home), hotel expenses (up to €75 total for 1 night), return travel expenses (up to €100), key loss assistance, and fuel delivery. International coverage across European countries. Provided via INTERAMERICAN Assistance partner. Available as an optional add-on to all KASKO programs; included by default in the Quattro package.

[169] Replacement vehicle: €30 ↩

Covers car rental expenses of up to €30 per day for up to 20 days when the insured vehicle is under repair due to an own-damage claim. The duration is determined by the claims assessor based on actual repair days (not workshop waiting time). Requires submission of original rental receipt and lease agreement. Available when own-damage coverage is active (Vollkasko/Vollkasko+ tiers only).

[170] Driver accident: Optional ↩

Covers the driver of the insured vehicle (excluding motorcycles/mopeds) for death or permanent total disability resulting from a road traffic accident. Death benefit paid within 1 month of accident; permanent total disability must be confirmed within 1 year. Excludes: suicide; epilepsy/paralysis; force majeure; war/terrorism; racing; towing; driver without valid licence. Not available for motorcycles or mopeds. Coverage amount is stated in the policy schedule. Available as an optional add-on.

[171] Own damage: Optional ↩

Covers damage to the insured vehicle caused exclusively by collision, impact, derailment, overturn, or fall (κατάπτωση). Available only in the Full Casco package tier. The sum insured (stated on the policy schedule) is the maximum aggregate limit per policy period, inclusive of all expenses. Compensation is based on the vehicle's current market value at time of loss accounting for depreciation. A deductible (απαλλαγή) as agreed and stated on the policy schedule applies; repairs at an authorised dealer carry a 50% deductible reduction for the learner-driver cover variant. Excludes: damage caused by intentional acts of the insured/driver, participation in races/exhibitions, terrorist acts, natural perils (unless separately covered), damage while vehicle is on a ferry, damage from gas/liquid leaks, damage to tyres alone, damage due to poor maintenance, damage while vehicle is operated outside roads open to traffic. Airbag damage and glass damage are covered only if the respective special covers (ΘΡΑΥΣΗ ΑΕΡΟΣΑΚΩΝ / ΘΡΑΥΣΗ ΚΡΥΣΤΑΛΛΩΝ) are included in the policy.

Η ασφάλιση ιδίων ζημιών καλύπτει ζημίες του ασφαλισμένου αυτοκινήτου προκαλούμενες αποκλειστικά και μόνο εκ συγκρούσεως, προσκρούσεως, εκτροπής, ανατροπής και καταπτώσεως αυτού.

[172] Total loss: Optional ↩

There is no separately named 'total loss' peril in the policy; settlement in the event of total loss (ολοσχερής καταστροφή) is governed by the general indemnity calculation rules under K03 Art. 5: compensation is based on the vehicle's current market value at the time of the event taking into account wear and depreciation, capped at the sum insured. In the event of total loss and vehicle write-off/withdrawal, glass coverage is not provided (repair is impossible). The insurer may, in lieu of cash payment, replace the vehicle with one of equal value. The proportionality rule (αναλογικός κανόνας / υπασφάλιση) applies if the sum insured is less than the vehicle's actual value.

Για τον υπολογισμό της αποζημιώσεως λαμβάνεται ως βάση η αξία του αυτοκινήτου ή των βλαβέντων ανταλλακτικών αυτού κατά τον χρόνο της επέλευσης της ασφαλιστικής περίπτωσης, λαμβανομένης υπόψη της φθοράς και παλαιότητας αυτών.

[173] Partial loss: Optional ↩

Where the covered damage does not result in total loss, the insurer indemnifies the cost of repair of the damaged parts, calculated at the vehicle's market value at time of loss accounting for depreciation. In cases of partial loss, if the insured sum was calculated without customs duties, the insurer may deduct the pro-rata customs portion from the parts repair claim. The insured must make the vehicle available for inspection within 5 working days of insurer's request before carrying out any repairs. The sum insured on the policy schedule is the aggregate annual maximum across all partial and total losses; after each claim payment, the remaining sum is reduced accordingly.

Σε περίπτωση μερικής ζημίας, εφόσον η ασφαλισμένη αξία του αυτοκινήτου έχει υπολογισθεί χωρίς δασμούς, ο ασφαλιστής δικαιούται να αφαιρεί από την αξία των απαιτήσεων για την επισκευή ανταλλακτικών το ποσό των δασμών που αναλογεί σε αυτά τα ανταλλακτικά.

[174] Theft & robbery: Optional ↩

Three distinct sub-coverages available across tiers. (1) Total Theft (Ολική Κλοπή – K03 Γ): covers the actual market value of the vehicle on the day of loss. Obligation to pay arises only after 90 days from filing a criminal complaint, provided the vehicle has not been recovered. The insured must report immediately to the police. Available in Mini Casco, Midi Casco and Full Casco. (2) Partial Theft (Μερική Κλοπή – K03 Δ): covers only the damage caused by removal of parts/accessories firmly attached to the vehicle body and necessary for its operation, during a theft. Available in Mini Casco, Midi Casco and Full Casco. (3) Theft-Attempt Damage (Ζημίες κατά Απόπειρα Κλοπής – K03 Ε): covers damage caused to the insured vehicle during an attempted total or partial theft; deductible as agreed applies. Available in Midi Casco and Full Casco. Sum insured is the aggregate annual maximum per coverage type; reduced automatically after each claim. If the vehicle is recovered before payment, insurer may refuse payment unless title is transferred to the insurer.

Η ασφάλιση κλοπής καλύπτει την πραγματική αξία του ασφαλισμένου αυτοκινήτου κατά την ημέρα της απώλειάς του.

[175] Glass damage: €3,000 ↩

Covers damage caused by breakage or crack from any external cause to the following glass surfaces only: windscreen (παρμπρίζ), side windows (τζάμια παραθύρων) and quarter-lights (φινιστρίνια). Excluded: sunroof/panoramic roof, windscreen sensors, headlights, and mirrors. Coverage is conditional on its inclusion in the policy's listed insured risks and on payment of premiums, up to a maximum aggregate sum insured of €3,000 per policy year. A €300 deductible applies regardless of which garage carries out the replacement; if a partner/contracted garage is chosen, the insurer may cover the cost of this deductible. In the event of a claim, the insured must notify the insurer immediately and must not repair/replace before inspection. The insurer replaces at its own or a contracted garage; if a non-contracted garage is used, the insurer pays the replacement cost subject to the deductible. Cover is not provided in the event of total vehicle destruction/write-off. Available in Mini Casco, Midi Casco and Full Casco. Third-party liability claims for glass damage: if a third party is liable, coverage is not paid from this sub-cover (the insurer is subrogated upon payment).

Στις ζημίες που θα προκληθούν στο όχημα από οποιαδήποτε αιτία και αφορούν τη θραύση ή ρωγμή των γυάλινων επιφανειών του οχήματος (παρμπρίζ, τζάμια παραθύρων και φινιστρίνια, εξαιρούνται οι ηλιοροφές, οι αισθητήρες που φέρουν οι ανεμοθώρακες, τα φανάρια και οι καθρέπτες), ο ασφαλισμένος διατηρεί το δικαίωμα επιλογής συνεργείου για την πραγματοποίηση των εργασιών αντικατάστασης, η κάλυψη όμως υπόκειται σε απαλλαγή της Εταιρίας ποσού 300 €. Στην περίπτωση επιλογής συνεργαζόμενου συνεργείου με την Εταιρία, η Εταιρία έχει την δυνατότητα να καλύψει το κόστος αυτής της απαλλαγής.

[176] Natural perils: Optional ↩

Covers damage to the insured vehicle caused directly or indirectly by flood (πλημμύρα), typhoon, storm (λαίλαπα), windstorm (ανεμοθύελλα), volcanic eruption, or other natural disturbance (φυσική διαταραχή). Expressly excluded: mechanical damage caused by frost/freezing (παγετός). A deductible as agreed and stated on the policy schedule applies (from the damage amount). Available in Midi Casco and Full Casco; not included in Mini Casco. Sum insured is the aggregate annual maximum; reduced automatically after each claim.

Καλύπτονται οι ζημίες που προκαλούνται στο ασφαλισμένο όχημα άμεσα ή έμμεσα από πλημμύρα, τυφώνα, λαίλαπα, ανεμοθύελλα, έκρηξη ηφαιστείου ή άλλη φυσική διαταραχή. Ρητά αναφέρεται και συμφωνείται ότι δεν καλύπτονται οι μηχανικές βλάβες που έχουν ως αιτία τον παγετό.

[177] Vandalism: Optional ↩

Covers damage to the insured vehicle caused intentionally by malicious acts of third parties (κακόβουλες πράξεις τρίτων). Expressly excluded: damage caused during theft of the insured vehicle (which requires the separate theft-attempt damage cover). A deductible as agreed and stated on the policy schedule applies. Available in Midi Casco and Full Casco; not included in Mini Casco. The Bonus-Malus category increases by 2 categories in case of a claim under this cover. Sum insured is aggregate annual maximum.

Καλύπτονται ζημίες που θα προξενηθούν εκ προθέσεως από κακόβουλες πράξεις τρίτων. Εξαιρούνται ζημίες που προκαλούνται κατά τη διάρκεια κλοπής του ασφαλιζόμενου οχήματος οι οποίες για να καλυφθούν απαιτείται να υπάρχει η σχετική πρόσθετη κάλυψη.

[178] Roadside assistance: Optional ↩

24/7 roadside assistance available 365 days/year commencing 48 hours after policy inception (can be waived by special written agreement with immediate effect). Coverage areas: (a) Greece only, or (b) Greece and Europe (including Balkans and European Turkey, excluding former USSR/Russia) depending on variant selected; for electric vehicles coverage is Greece only. Eligible vehicles: passenger cars (EIX), taxis, motorcycles over 51cc, light commercial vehicles up to 3.5 tonnes (unladen) with single rear axle, total length ≤5,500mm, width ≤2,050mm, wheelbase ≤3.50m. Services include: on-site mobile workshop repair; if unrepairable on-site, towing to nearest preferred garage within the regional unit (nomos); for major damage (accident, fire, engine/gearbox/electronics destruction): within Greece towing to insured's declared home city within 5 working days; from Europe, repatriation to insured's home city within 15 working days (available from day 8 of cover for mechanical breakdowns in Greece, day 15 for abroad). Insured's travel costs: up to €75 for public transport/hotel if same-day return is impossible (up to €150 from abroad). Roadside assistance also includes Accident Management (Φροντίδα Ατυχήματος – B.1): 24/7 accident recording, documentation, photography, statement-taking, exclusively in Greece, within 5 working days. Maximum 5 calls per policy year; further assistance after 5 calls requires vehicle inspection. Vehicles over 30 years old require prior insurer inspection; electric vehicles accepted up to 8 years old or 100,000 km. Does not cover: fuel delivery, lost keys, ferry costs, tolls charged by closed motorway operators, vehicles not bearing Greek registration plates, towing from inaccessible locations (rivers, lakes, sea, cliffs). Roadside assistance for non-Greek residents insured in Greece does not apply abroad.

ο Ασφαλιστής είναι υποχρεωμένος , σύμφωνα πάντα με τους όρους του παρόντος ασφαλιστηρίου συμβολαίου, να παρέχει στον κάτοχο του ασφαλισμένου οχήματος οδική βοήθεια 48 ώρες μετά την έναρξη της ασφάλισης, για όλες τις μέρες του χρόνου, όλο το 24ωρο, στις περιοχές ισχύος της κάλυψης που έχουν συμφωνηθεί.

[179] Replacement vehicle: Excluded ↩

No replacement vehicle (courtesy car) coverage is offered under any casco tier. The K16 income-loss cover relates exclusively to the learner-driver examination scenario (N. 4599/2019) and compensates the vehicle owner for loss of income during repair downtime, not for a replacement vehicle.

[180] Driver accident: €15,000 ↩

Covers two events: (1) Death of the driver of the insured vehicle resulting from a road accident, occurring while the driver is boarding, travelling in, or alighting from the vehicle during its operation; payable to legal heirs within 1 year of the accident. (2) Permanent Total Disability of the driver from a road accident, certified as definitive by competent authority within 1 year of the accident; covers: total permanent loss of function of both eyes or two limbs (various combinations), incurable mental illness rendering the person incapable of any work, or total paralysis. If both death and PTD arise from the same accident, only one benefit is paid. Accident must originate from an external, accidental, visible, sudden cause entirely independent of the driver's will. The sum insured is €15,000 per package (Βασικό Πακέτο, Mini Casco, Midi Casco and Full Casco). Coverage is limited to Greek territory during journeys using the insured vehicle. Excluded: illness/disease, pre-existing conditions, natural disasters causing mass casualties, atomic energy effects, war/civil war/riots/strikes, intentional acts of the policyholder/insured, participation in races/exhibitions, driving without valid licence, driving under alcohol/drugs influence exceeding legal limits, transporting overloaded passengers/cargo, use different from registration, vehicle being pushed/towed.

Προσωπικό ατύχημα οδηγού 15.000 €

[181] Own damage: Conditional ↩

Full own-damage cover (collision, rollover, fire, natural perils, malicious acts) is included only in Pack 6 (Πλήρης Μικτή). Packs 1, 2, and 3 do not include full own-damage cover. Insured amount equals the commercial vehicle value; exact limits vary by vehicle.

Πλήρης κάλυψη ιδίων ζημίων

[182] Total loss: Conditional ↩

A total loss benefit (επίδομα ολοσχερούς καταστροφής οχήματος) is listed as an included cover across all Carpack Electrify packs. The exact payment amount is not specified in the brochure and varies by vehicle commercial value.

Επίδομα ολοσχερούς καταστροφής οχήματος

[183] Partial loss: Conditional ↩

Partial theft, damage from theft, and theft of fixed parts are included from Pack 3 onwards. Pack 6 also includes full own-damage cover which encompasses partial loss scenarios from any cause.

Κλοπή μερική / ζημίες από κλοπή / κλοπή σταθερών εξαρτημάτων

[184] Theft & robbery: Conditional ↩

Total theft (ολική κλοπή) cover is included in Packs 3 and 6. Packs 1 and 2 do not include total theft cover. The charging cable theft (κλοπή καλωδίου φόρτισης) is included in all four packs as part of the EV-specific covers.

Ολική κλοπή

[185] Glass damage: Optional ↩

Cover for breakage of glass and factory-fitted sunroofs is listed as an optional (προαιρετική) coverage available across all packs.

Θραύση τζαμιών και εργοστασιακών ηλιοροφών

[186] Natural perils: Conditional ↩

Coverage for natural and geological phenomena including hail is included from Pack 2 onwards. Pack 1 can add an optional full natural-disaster cover (Πλήρης κάλυψη έναντι φυσικών καταστροφών).

Φυσικά γεωλογικά φαινόμενα (περιλαμβάνεται και η χαλαζόπτωση)

[187] Vandalism: Conditional ↩

Cover for material damages caused by terrorist or civil disturbance acts (κάλυψη υλικών ζημιών από τρομοκρατικές ή πολιτικές ταραχές) is listed only among the covers of the full-casco Electrify Car Pack (Pack 6). Packs 1-3 list only the narrower 'fire caused by terrorist acts and malicious acts' cover.

Κάλυψη υλικών ζημιών από τρομοκρατικές ή πολιτικές ταραχές

[188] Roadside assistance: Optional ↩

Road and travel assistance (Οδική και Ταξιδιωτική Βοήθεια) is listed as an optional (προαιρετική) coverage available across all four packs.

Οδική και Ταξιδιωτική Βοήθεια

[189] Replacement vehicle: Covered ↩

Rental of a replacement private-use vehicle or battery (Ενοικίαση μπαταριών/οχήματος αντικατάστασης ιδιωτικής χρήσης) is listed as part of the core EV-specific covers (Εξειδικευμένες Καλύψεις Ηλεκτρικών Οχημάτων) included in all four packs.

Ενοικίαση μπαταριών / οχήματος αντικατάστασης ιδιωτικής χρήσης

[190] Driver accident: Covered ↩

Personal accident cover for the driver (Προσωπικό ατύχημα οδηγού) is listed as a core cover included in all four Carpack Electrify packs. Additionally, an EV-specific cover for personal accident during charging (Προσωπικό ατύχημα οδηγού κατά τη φόρτιση) is included in all packs. An optional extension of personal accident cover is also available.

Προσωπικό ατύχημα οδηγού

[191] Own damage: Optional ↩

Coverage for material damage to the insured vehicle from collision, impact, overturning or rollover, including accidents where the insured driver is at fault. Available in packages ΠΟΣΕΙΔΩΝ 25 and ΤΡΙΑΙΝΑ for passenger cars up to 5 years old. Insured capital equals current market value of the vehicle, priced per 1,000 EUR of insured sum. Deductible options: €400, €900, €1,500 or €3,000 per claim; rate per 1,000 EUR of insured sum at B/M 1-4 is €21.20 (€400 deductible), €20.00 (€900), €16.50 (€1,500), €14.30 (€3,000) for ΠΟΣΕΙΔΩΝ 25 and ΤΡΙΑΙΝΑ. ΤΡΙΑΙΝΑ also includes own damage during vehicle transport and from malicious acts.

Ίδιες Ζημιές με απαλλαγή € 400 ... Ίδιες Ζημιές με απαλλαγή € 3.000

[192] Total loss: Conditional ↩

Total loss is settled under the own-damage (Ίδιες Ζημιές) coverage at the insured vehicle's current market value at time of loss. Insured capital must represent the current commercial value of the vehicle. No separate total-loss sub-limit is stated; compensation equals the insured sum minus any applicable deductible.

Το Ασφαλιζόμενο Κεφάλαιο Πυρός – Κλοπής – Ιδίων Ζημιών, πρέπει να αντιπροσωπεύει την τρέχουσα εμπορική αξία του οχήματος.

[193] Partial loss: Conditional ↩

Partial own-damage losses are covered under the Ίδιες Ζημιές coverage, subject to the chosen deductible (€400, €900, €1,500 or €3,000). Insurer pays the repair cost exceeding the deductible up to the insured vehicle's market value.

Ίδιες Ζημιές με απαλλαγή € 900 ... Ίδιες Ζημιές με απαλλαγή € 1.500

[194] Theft & robbery: Optional ↩

Total theft coverage available from package ΠΗΓΑΣΟΣ 1 onwards; partial theft (with €150–€200 deductible) available from ΠΗΓΑΣΟΣ 2 / ΝΕΟΣ ΠΟΣΕΙΔΩΝ onwards. In ΠΟΣΕΙΔΩΝ 25 and ΤΡΙΑΙΝΑ, combined total and partial theft rate is priced per 1,000 EUR of insured sum: EIX/agricultural at €10.30 per 1,000 EUR, FIX at €12.00 per 1,000 EUR. Partial theft deductible is €200 (ΠΟΣΕΙΔΩΝ 25) or €150 (ΤΡΙΑΙΝΑ). Minimum insured capital €3,000. Convertible vehicles (cabrio) only covered if they have a hard roof.

Ολική Κλοπή Mερική Κλοπή (απαλλαγή € 150)

[195] Glass damage: €1,200 ↩

Covers breakage of vehicle glass (windscreen, windows). Per the insurer's current product page, the coverage ceiling is up to €1,200 in the packages where this benefit is offered. Exclusions: sunroof, headlights, mirrors and indicators are not covered.

Θραύση Κρυστάλλων 1.200 1.200 1.200 1.200 1.200 1.200 1.200

[196] Natural perils: Optional ↩

Coverage for material damage caused by weather events (storm, flood, etc.), excluding hail. Available in packages ΝΕΟΣ ΠΟΣΕΙΔΩΝ, ΠΟΣΕΙΔΩΝ 25, and ΤΡΙΑΙΝΑ. Standalone rate: €4.11 per 1,000 EUR of insured sum for EIX/agricultural vehicles; €8.10 for FIX. Hail (χαλαζόπτωση) is explicitly excluded. Insured capital equals current market value of vehicle.

ΥΛΙΚΕΣ ΖΗΜΙΕΣ ΣΥΝΕΠΕΙΑ ΚΑΙΡΙΚΩΝ ΦΑΙΝΟΜΕΝΩΝ (πλην Χαλαζόπτωσης) ... 4,11 8,10

[197] Vandalism: Optional ↩

Coverage for own-vehicle damage caused by malicious acts (vandalism) by third parties. Available in ΠΟΣΕΙΔΩΝ 25 and ΤΡΙΑΙΝΑ packages. In ΠΟΣΕΙΔΩΝ 25: deductible €300. In ΤΡΙΑΙΝΑ: deductible €300. Standalone rate: €3.00 per 1,000 EUR of insured sum. Fire from arson (Μετάδοση Πυρκαγιάς – Εμπρησμός) is separately listed in ΤΡΙΑΙΝΑ.

ΚΑΚΟΒΟΥΛΕΣ ΕΝΕΡΓΕΙΕΣ 3,00

[198] Roadside assistance: Covered ↩

Two levels of roadside assistance are provided: (1) Roadside Assistance following an Accident (Οδική Βοήθεια Ατυχήματος) – included at no extra cost in all packages including ΒΑΣΙΚΟ ΠΑΚΕΤΟ; covers towing and on-site assistance following a road accident. (2) Full Roadside Assistance (Οδική Βοήθεια) – optional annual add-on; €50/year for vehicles up to 10 years old, €60/year for vehicles over 10 years old. Both services limited to EIX, FIX, FIX-AGRICULTURAL vehicles with maximum gross weight 3,500 kg, wheelbase up to 3.5 m, height up to 3.0 m, without rear dual wheels. 24-hour availability, 365 days per year.

3. Οδική Βοήθεια (Ε.Ι.Χ., Φ.Ι.Χ., Φ.Ι.Χ.-ΑΓΡΟΤΙΚΑ έως 3,5 τόνων) α. Για οχήματα έως 10 ετών € 50 β. Για οχήματα άνω των 10 ετών € 60

[199] Replacement vehicle: Conditional ↩

Replacement vehicle cover is listed among NP's motor packages as 'Αντικατάσταση του Οχήματος συνεπεία Πυρκαγιάς – Κλοπής – Ιδίων Ζημιών' (vehicle replacement following fire, theft or own-damage), available where the vehicle is insured for those risks and is immobilised as a result. The insurer's current product page shows this coverage line but does not state the daily rental amount or the maximum number of days.

Αντικατάσταση του Οχήματος συνεπεία Πυρκαγιάς – Κλοπής – Ιδίων Ζημιών

[200] Driver accident: €10,000 ↩

Personal accident coverage for the vehicle owner as driver in the event of a road accident, with an insured sum of up to €10,000. Per the insurer's current product page, this benefit is shown only in some of the motor insurance packages, not in every package.

Τροχαίο Προσωπικό Ατύχημα Οδηγού 10.000 10.000 10.000 10.000

[201] Own damage: 100% of insured sum ↩

Own damage from collision, swerving, rollover, fall, and during transport on trains or ferries is a basic inclusion in AUTO FULL only. Own damage from terrorist acts, civil unrest, and malicious acts (excluding fire/explosion) is a basic inclusion in AUTO PLUS and AUTO FULL. Compensation is based on the agreed insured vehicle value, reduced by 1% per month. AUTO ECONOMY and AUTO BASIC do not include casco own-damage coverages.

[202] Total loss: 100% of insured sum ↩

Total loss from own damage (collision, rollover) is covered in AUTO FULL as part of own damage coverage. Total theft of the vehicle is available as an optional add-on in AUTO PLUS and AUTO FULL. Compensation equals the current insured vehicle value subject to 1% monthly depreciation.

[203] Partial loss: Optional ↩

Partial theft (theft of essential components or non-fixed accessories and resulting bodywork damage during theft attempt) is available as an optional add-on in AUTO PLUS and AUTO FULL. Partial own damage from collision not resulting in total loss is covered in AUTO FULL as part of the own damage inclusion.

[204] Theft & robbery: 100% of insured sum ↩

Total theft and vehicle damage during theft attempt are optional add-ons in AUTO PLUS and AUTO FULL. Partial theft of non-fixed accessories is also optionally available. Compensation for total theft equals the current insured vehicle value reduced by 1% per month. Not available in AUTO ECONOMY or AUTO BASIC.

[205] Glass damage: €1,000 – €3,000 ↩

Glass breakage and factory-fitted sunroof damage is a basic inclusion in AUTO PLUS and AUTO FULL, calculated at 10% of the vehicle insured value with a minimum of EUR 1,000 and a maximum of EUR 3,000. In AUTO ECONOMY and AUTO BASIC it is an optional add-on capped at EUR 1,000. A dedicated 24-hour glass restoration service is available via line 212 212 7809 through partner FILIS GLASS.

[206] Natural perils: Optional ↩

Own damage from storm, flood, hail, snowfall, and rainstorm is an optional add-on in AUTO PLUS and AUTO FULL. Own damage from earthquake and volcanic eruption is a basic inclusion in AUTO PLUS and AUTO FULL. No natural perils coverage is available in AUTO ECONOMY or AUTO BASIC.

[207] Vandalism: Conditional ↩

Own damage from terrorist acts, civil unrest, and malicious acts (excluding fire/explosion) is a basic inclusion in AUTO PLUS and AUTO FULL. Fire and explosion resulting from terrorist acts, civil unrest, and malicious acts are also a basic inclusion in AUTO PLUS and AUTO FULL. Not covered in AUTO ECONOMY or AUTO BASIC.

[208] Roadside assistance: Optional ↩

24-hour roadside assistance is an optional add-on across all tiers (AUTO ECONOMY, AUTO BASIC, AUTO PLUS, AUTO FULL), provided in partnership with Europ Assistance via dedicated line 212 212 7999. Not a base inclusion in any tier.

[209] Replacement vehicle: Not established from the reviewed documents ↩

No replacement vehicle coverage was identified in any tier of the Asfaleia En Kinisei product line from the available sources; coverage status could not be confirmed.

[210] Driver accident: €15,000 ↩

Driver personal accident cover for death and permanent total disability at EUR 15,000 is a basic inclusion in AUTO BASIC and AUTO PLUS. Coverage status in AUTO ECONOMY and AUTO FULL was not explicitly confirmed from available sources.

[211] Own damage: Optional ↩

Covers material damage to the insured vehicle caused exclusively by collision, impact, swerving, overturning or fall. The insured sum (stated in the policy schedule) constitutes the maximum liability limit per insurance period. Compensation is based on the actual market value of the vehicle or damaged parts at the time of loss, taking into account depreciation and age. The insurer is liable only for the amount exceeding the agreed deductible. The insurer may undertake repair instead of cash payment. The vehicle must be made available for expert assessment within 5 days.

[212] Total loss: Optional ↩

Total loss is a settlement outcome under own damage (collision/impact/overturning/fall) and fire/explosion coverages when the compensation amount equals the insured vehicle's current market value. When this occurs, the company may require transfer of vehicle ownership to itself or a nominated third party before payment. No separate total-loss monetary limit is stated; the insured sum in the policy schedule applies as the maximum liability cap.

[213] Partial loss: Optional ↩

Partial loss is the settlement outcome when damage to the insured vehicle does not reach the total loss threshold. Compensation is calculated based on the actual current value of the vehicle or damaged parts at the time of the incident, less depreciation. Customs duties and import fees not borne by the insured owner are excluded from the compensation calculation. Damage to tyres alone is excluded unless concurrent with other covered damage.

[214] Theft & robbery: Optional ↩

Total theft covers the risk of complete theft of the insured vehicle. The insurer's obligation arises only after 45 days from the date a police report (μήνυση) was filed, provided the vehicle has not been recovered. Compensation is based on the actual market value of the vehicle on the day of loss. Partial theft covers damage sustained by the insured vehicle during the theft, specifically: removal of parts/accessories firmly attached to the body and essential for movement, and own-damage to the vehicle while in the thief's possession. Excluded from partial theft: tyres, rims, hubcaps and any external accessories removable as a whole (e.g. lights, mirrors, antenna). A pre-insurance inspection is required when adding total theft, partial theft or own-damage coverage to an existing policy.

[215] Glass damage: Optional ↩

Covers breakage of any glass in the insured vehicle including cost of replacement and cleaning of glass fragments. Also covers integrated membranes and rain sensors when replacement is necessitated by glass replacement, and breakage during attempted vehicle theft. The insurer may replace broken glass with equivalent quality glass instead of paying the replacement value. After replacement/payment the coverage for those specific panes expires unless supplementary premium is paid to reinstate from the date of damage. Excluded: damage to mirrors, lights, headlights, flashers and plastic panels; damage to cabriolet glass or glass forming part of the roof; damage from fire; breakage caused by repair technicians; breakage due to road accident unless the driver of the insured vehicle is the exclusive at-fault party.

[216] Natural perils: Optional ↩

Covers damage caused directly by storm, gale, flood, hail, snow, typhoon, whirlwind, volcanic eruption, or earthquake. Mechanical damage caused by frost is explicitly excluded. Coverage also extends to damage from fire/explosion caused by strikes, riots, demonstrations and political disturbances (SRCC), and fire/explosion caused by malicious acts of third parties. The insured sum stated in the policy schedule is the maximum liability limit.

[217] Vandalism: Optional ↩

Covers own-damage (ίδιες ζημιές) to the insured vehicle caused directly by any malicious activity or action committed by a third party. Coverage also encompasses malicious acts causing fire or explosion to the insured vehicle. Coverage under strikes/riots/political disturbances (SRCC) additionally covers damage from acts of persons participating in public order disturbances, lawful authority actions to suppress such disturbances, and deliberate acts of strikers or locked-out workers.

[218] Roadside assistance: Optional ↩

Roadside assistance is provided by Interamerican Voithias AEEGA (tel 1158 or 210-9461333), available 24/7, 365 days a year. Covers: on-site repair or towing to nearest workshop; internal vehicle repatriation when breakdown occurs more than 60 km from home and repair takes more than 2 days; hotel accommodation up to €75 total (1 night, 60+ km from home, same-day repair impossible); return travel costs up to €100 (bus/train, 60+ km from home); rental car up to €100 reimbursement for return. In cases where own means are unavailable abroad, reimbursement up to €150 total for on-site repair and towing. Special vehicle recovery from off-road positions: company covers crane costs up to €300. Accident care (Autohelp) also included: 24h dispatch, towing, accident declaration form completion, Friendly Settlement form assistance, photographs, witness data collection. Coverage geography: Greece (mainland + named islands) and EU countries except Cyprus and Malta (excl. Albania and Asian Turkey), plus Switzerland, Norway, Bosnia, Croatia, Serbia and North Macedonia.

[219] Replacement vehicle: 30 days ↩

The insurer provides or reimburses a rental vehicle when the insured vehicle suffers damage qualifying under the fire, partial theft or own-damage coverages. Conditions: (a) actual rental costs incurred; (b) damage exceeds 35% of current market value and is not a total loss; (c) the insured vehicle carries the relevant coverage; (d) the vehicle actually undergoes repair. Maximum coverage duration: 30 days; a 5-day waiting period applies from the day after the incident. Only actual repair days count, not workshop waiting days. Rental vehicle must have equal or lower horsepower as the insured vehicle, capped at 11hp. Fuel and optional insurance premiums for the rental are not covered.

[220] Driver accident: Optional ↩

Covers the driver (and covered persons as defined) for bodily injury constituting the direct and proven cause of death or disability, occurring while boarding, travelling in, or alighting from the insured vehicle during its operation. Benefits include: death benefit, permanent total disability (for total and irreversible conditions including total loss of both eyes, both arms/hands, both legs/feet, or both an arm and a foot, incurable mental illness, or total paralysis), permanent partial disability (percentage of the total disability capital per schedule), medical expenses (antibiotics, X-rays, serums, blood, splints, physiotherapy, etc.) up to the agreed amount, and hospital stay allowance from day 1. Insured sum stated in policy schedule; no specific EUR amount disclosed in available sources.

[221] Own damage: Covered ↩

Covers material damage to the insured vehicle resulting from collision, impact, overturning, and other events including malicious acts. The insured sum is agreed at policy inception; total loss is paid at market value on the date of the event. Young drivers (under 23 or licence held less than 1 year) who have not paid the applicable additional premium at policy inception receive only 50% of the indemnity for collision-type damage.

Καλύπτονται οι ζημίες που θα προκληθούν στο ασφαλισμένο όχημα συνεπεία σύγκρουσης – πρόσκρουσης – εκτροπής – ανατροπής και κατακρήμνισης, ανεξαρτήτως ευθύνης του οδηγού. Δυνατότητα επιλογής ύψους της απαλλαγής.

[222] Total loss: Covered ↩

Covered under the comprehensive own-damage clause. In the event of total loss (damage cost exceeding a threshold making repair uneconomical), the insurer pays the market (commercial) value of the vehicle at the date of the loss. Covered perils include collision, impact, overturning, and malicious acts.

Η κάλυψη ολικής κλοπής αφορά την εμπορική αξία του οχήματος κατά την ημέρα της κλοπής.

[223] Partial loss: Covered ↩

Covered under the comprehensive own-damage clause. Partial damage to the insured vehicle from collision, impact, overturning, or malicious acts is indemnified up to the cost of repair, within the insured sum.

Καλύπτονται οι ζημίες που θα προκληθούν στο ασφαλισμένο όχημα συνεπεία σύγκρουσης – πρόσκρουσης – εκτροπής – ανατροπής και κατακρήμνισης, ανεξαρτήτως ευθύνης του οδηγού.

[224] Theft & robbery: Covered ↩

Total theft coverage is based on the commercial (market) value of the vehicle on the date of theft. Partial theft covers components that are essential for the vehicle's movement and operation and are firmly attached to it. Also covers material damage to the vehicle caused during an attempted theft or removal of components, and covers theft of the factory-fitted audio system.

Η κάλυψη ολικής κλοπής αφορά την εμπορική αξία του οχήματος κατά την ημέρα της κλοπής. Η κάλυψη μερικής κλοπής αφορά εξαρτήματα του οχήματος τα οποία είναι απαραίτητα για την κίνηση και λειτουργία του και στέρεα προσδεδεμένα σε αυτό.

[225] Glass damage: €1,200 ↩

Full coverage for glass/crystal breakage (windshield, rear window, side windows) with zero deductible, up to a limit of €1,200. Excludes lights, mirrors, indicators, glass roofs and sunroofs. Replacement and repair is carried out through Ydrogios' network of specialised glass-replacement partners.

ΟΡΙΟ ΚΑΛΥΨΗΣ €1.200

[226] Natural perils: Covered ↩

Covers material damage to the insured vehicle caused directly by natural phenomena such as storm, hurricane, flood, earthquake, subsidence, snow, and hail, up to the insured sum. Listed as an included coverage in the Auto Premium / Truck Premium coverage list.

Καλύπτονται υλικές ζημίες του ασφαλισμένου οχήματος που προέρχονται άμεσα από θεομηνίες όπως π.χ. καταιγίδα, θύελλα, πλημμύρα, σεισμό, καθίζηση, χιόνι, χαλάζι.

[227] Vandalism: Covered ↩

Coverage against deliberate harmful acts (malicious acts / vandalism) causing damage to the insured vehicle is included as a core element of the Auto Premium comprehensive package alongside own-damage coverage.

Καλύπτονται οι ζημίες του ασφαλισμένου οχήματος οι οποίες προκαλούνται από κακόβουλες πράξεις τρίτων.

[228] Roadside assistance: Optional ↩

Optional add-on providing comprehensive roadside and travel assistance services 24/7, 365 days a year, throughout Europe and Mediterranean-bordering countries, via MAPFRE ASISTENCIA – EUROSOS ASSISTANCE. Covers breakdown and accident situations: on-site vehicle repair if possible, or towing to a garage of the insured's choice; transfer of insured passengers from the scene; hotel accommodation expenses; assistance in case of fuel shortage, lost keys, or vehicle theft.

Παρέχονται σε συνεργασία με τη διεθνή εταιρεία MAPFRE ASISTENCIA – EUROSOS ASSISTANCE, 24 ώρες το 24ωρο, 365 μέρες το χρόνο, σε οποιαδήποτε χώρα της Ευρώπης αλλά και τις χώρες που βρέχονται από τη Μεσόγειο Θάλασσα.

[229] Replacement vehicle: Covered ↩

Included coverage providing a replacement vehicle of up to 1400cc engine displacement. In case of fire, partial or total theft, a replacement vehicle is provided for the duration of repairs to the insured vehicle, up to a maximum of 30 days for fire and partial theft, and up to 60 days for total theft. In case of a traffic accident (collision, impact, overturning, deviation) where the repair time exceeds 7 working days, a replacement vehicle up to 1400cc is provided for up to 15 days. Available for Auto Premium only.

Παρέχεται αυτοκίνητο αντικατάστασης, κυβισμού έως 1400cc, για χρονικό διάστημα μέχρι και την αποκατάσταση των ζημιών του ασφαλισμένου αυτοκινήτου, με μέγιστο τις 30 ημέρες για τις περιπτώσεις πυρκαγιάς και μερικής κλοπής και τις 60 ημέρες για την περίπτωση της ολικής κλοπής.

[230] Driver accident: €12,000 ↩

Basic personal accident coverage for the driver is included in the Auto Premium product, with a coverage limit of €12,000. It covers death and permanent total disability resulting from a traffic accident while driving or boarding/alighting the vehicle, plus actual medical treatment expenses (hospital, surgical, pharmaceutical or other therapeutic care) up to 4% of the insured sum as a sub-limit. An optional enhanced 24/7/365 personal accident add-on is available (replacing the basic cover), with a selectable capital ranging from €10,000 to €40,000 depending on the chosen sum insured, additionally covering permanent partial disability, daily hospital and post-hospital allowances, and emergency air transport for accident and illness.

ΟΡΙΟ ΚΑΛΥΨΗΣ €12.000