AIG Europe S.A. (Greece Branch) / AIG Hellas S.A. Representation of Insurance Companies

Driver age and experience limit

All holders of a valid Greek driving licence may drive the insured vehicle. Drivers under 25 years of age or over 75 years of age must be declared to AIG by calling the Customer Service number (210 8127600). Own damage coverage may be excluded for vehicles driven by undeclared young drivers (under 25 years old).

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.

Territorial scope

Third-party liability coverage is valid in Greece, EU member states, EEA countries, and countries whose National Bureaux of International Insurance apply the Unified Agreement (Green Card). Optional coverages (own damage, fire, theft, natural perils) generally apply within Greece unless otherwise specified in the policy schedule. The Green Card is provided free of charge.

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.

Loss of use coverage

Daily allowance for vehicle rental or transportation expenses during repair period

Windscreen and glass breakage

Coverage for broken or damaged windscreen, side windows, and roof glass with optional zero or reduced excess

Repair workshop approval requirement

Requirement that repairs be performed at AIG-approved workshops for cashless claims; alternative reimbursement if alternative workshop used

No-claim discount (NCD) certificate requirement

Requirement to provide NCD certificate from previous insurer to accelerate comprehensive policy issuance; policies may be subject to review if certificate not provided