AIG Casco (own-damage car insurance) (Auto Standard Benefit Extra)

Immediate total theft compensation paid within 30 days of claim notification, with replacement vehicle provided for up to 90 days during the theft period.

Easy Repair program: AIG dispatches a specialist to the accident scene, handles all paperwork, and transfers the vehicle to a partner workshop — the insured is exempt from all bureaucratic procedures.

No depreciation deduction on spare parts for vehicles up to 3 years old, preserving the full replacement value of parts in own-damage claims.

24-hour accident assistance helpline (2144092930) with on-site specialist dispatch, same-day accident report completion, and direct towing coordination.

Driver age and experience limit

All holders of a valid Greek driving licence may drive the insured vehicle. Own damage is not covered for vehicles driven by young drivers (under 25 years old or holding a licence for less than 2 years).

Section: Τι δεν ασφαλίζεται;

Ίδιες ζημίες σε οχήματα με νέους οδηγούς (κάτω των 25 ετών ή με δίπλωμα λιγότερο των 2 ετών).

Repair network requirements

For own-damage claims, the AIG Easy Repair partner workshop network is recommended; using network workshops avoids out-of-pocket deductible contributions. If the insured uses an alternative workshop, reimbursement applies but a deductible may be charged. For glass breakage, use of AIG-approved specialist glaziers (e.g. Carglass) removes the 25% deductible.

Anti-theft requirements

In case of total theft, negligence by the insured (e.g. leaving keys inside the vehicle) is explicitly excluded from compensation. For motorcycles and convertibles with soft-top roofs, a specific deductible applies as stated in the policy schedule.

Claim notification deadline

For accidents occurring within Greece, the insured must notify AIG as soon as possible and without undue delay. For accidents occurring outside Greece, notification must be made within 8 working days of becoming aware of the accident, using AIG accident report forms or in writing. During the policy period, any material changes to the insured vehicle or drivers must be declared within 14 days.

Deductible rules

Own damage (comprehensive): deductible of €200, €400, €600, €1,000, or €1,500 depending on the insured vehicle sum. Total loss from own damage: deductible of 1% of insured sum (minimum as per policy schedule). Malicious acts: deductible of 1% of insured sum (minimum as per policy schedule). Glass breakage: 25% of the damage amount (for new policies from 1/10/2024), waived if repairs are done at AIG-approved specialist glaziers. The deductible is defined as the amount not covered by AIG and borne by the insured in every loss event.

Direct payment

Claims for own damage are settled through the AIG Easy Repair partner workshop network; insureds are recommended to use network workshops to avoid a deductible contribution. Reimbursement applies if an alternative workshop is used. Total theft compensation is paid within 30 days of the claim.