
Allianz Casco (own-damage car insurance) (My Motor)
Underwritten by Allianz Ευρωπαϊκή Πίστη Μ.Α.Α.Ε. · Greece
casco (own-damage car insurance) from Allianz for the Greece market, with online purchase and 24/7 assistance.
Last verified Aug 13, 2026Sources
Unique selling points
My Motor Advanced Plus includes full comprehensive (own damage) cover for collision, impact and overturning – the most complete casco offering in the Allianz My Motor line.
Direct payment of repair costs to partner workshops, with new replacement parts guaranteed for vehicles up to 6 years old and a repair quality guarantee.
24/7 roadside and travel assistance available with a single call to 2119909000, covering European and Mediterranean countries.
Bonus-malus protection covers a single claim up to €30,000 without loss of accumulated discount, available as an add-on across all casco tiers.
The "Ασφαλιστικός Γονέας" (Insurance Parent) loyalty programme allows policyholders to reduce premiums through everyday purchases at partner retailers.
Coverage limits
Own Damage (Collision / Comprehensive)
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.
Section: Υπάρχουν περιορισμοί στην κάλυψη;
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.
Total Loss (Write-off from Own Damage)
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.
Section: Τι ασφαλίζεται;
Ίδιες Ζημιές
Partial Loss (Partial Theft)
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.
Section: Υπάρχουν περιορισμοί στην κάλυψη;
Ζημιές από Κλοπή σε μη συνήθη ή εργοστασιακά εξαρτήματα που δεν είναι σταθερά συνδεδεμένα και δεν είναι χρήσιμα για τη λειτουργία του οχήματος.
Theft (Full and Partial)
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.
Section: Υπάρχουν περιορισμοί στην κάλυψη;
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.
Glass Damage (Windscreen / Crystals)
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.
Section: Για τις καλύψεις που παρέχονται συμπληρωματικά
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.
Natural Perils (Natural Phenomena, Fire, Terrorism, Political Risks)
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.
Section: Υπάρχουν περιορισμοί στην κάλυψη;
Ζημιές από Φωτιά συνεπεία σύγκρουσης ή τροχαίου ατυχήματος.
Vandalism (Malicious Acts)
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.
Section: Απαλλαγές
Η κάλυψη των Κακόβουλων Ενεργειών παρέχεται με απαλλαγή ανά ζημιά, όπως ορίζεται στο ασφαλιστήριο συμβόλαιο.
Roadside Assistance (All Help – accident roadside assistance and accident care)
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.
Section: Για τις καλύψεις που παρέχονται συμπληρωματικά
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.
Replacement Vehicle (Car Rental)
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.
Section: Συμπληρωματικά παρέχονται οι καλύψεις
Ενοικίαση αυτοκινήτου
Personal Accident (Driver)
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.
Section: Τι ασφαλίζεται;
Προσωπικό Ατύχημα έως το αναγραφόμενο στο Ασφαλιστήριο κεφάλαιο
Key conditions
Driver age and experience limit
For own damage coverage (My Motor Advanced Plus), if the driver is under 23 years old or holds a driving licence for less than one year and has not been declared to the insurer, coverage is limited to 50% of the vehicle damage amount. Personal accident coverage applies only to four-wheeled vehicles.
Repair network requirements
If glass damage is repaired outside the insurer's partner repair network, the chosen deductible per claim applies. When using a partner workshop for own-damage repairs, Allianz pays the repairer directly, damaged parts are replaced with new ones for vehicles up to 6 years old, and a repair guarantee is provided.
Anti-theft requirements
No specific anti-theft device requirements are stated in the IPIDs. Standard policy exclusions apply: embezzlement and shoplifting are not covered under theft. Non-standard or factory accessories that are not permanently fixed and not necessary for the vehicle's operation are excluded from theft coverage.
Claim notification deadline
In the event of an insured loss, the policyholder must notify the insurer in writing immediately and at the latest within 8 working days, providing all information requested.
Deductible rules
A deductible (the portion of the loss borne by the insured) applies per claim. Specific deductible amounts are stated in the insurance policy. Glass damage coverage: a per-claim deductible applies when repaired outside the partner network, or if chosen in the policy. Natural phenomena coverage: a per-claim deductible applies as stated in the policy. Malicious acts coverage: a per-claim deductible applies. Own damage (Advanced Plus): a per-claim deductible applies as stated in the policy. BM (bonus-malus) protection covers a single claim up to €30,000.
Direct payment
In the event of an accident at a partner workshop, Allianz pays the repair cost directly, without any out-of-pocket expense for the insured. Damaged parts are replaced with new ones for vehicles up to 6 years old. A repair guarantee is also provided.
Territorial scope
All casco coverages are valid within Greek territory. Third-party liability also extends to EU/EEA member states and countries bound by the unified agreement. Accident care, towing from accident, and roadside assistance (where applicable) are provided in European and Mediterranean countries listed in the policy terms.
Documents
Policy specifics
Bonus-Malus Protection Claim Ceiling
The bonus-malus (BM) protection optional coverage is valid for a single claim whose value does not exceed €30,000. Available as an optional supplementary coverage in all three casco tiers.
SourcePage 1Section: Για τις καλύψεις που παρέχονται συμπληρωματικά
Η Προστασία ΒΜ ισχύει για μία ζημιά, το ύψος της οποίας δεν ξεπερνά τα 30.000€.
Replacement Vehicle – Minimum Age Requirement
For the car rental / replacement vehicle optional coverage, the insured must be over 23 years old and possess a credit card. Maximum duration: 45 days for theft, 30 days for all other covered causes. Available in My Motor Complete, My Motor Complete Plus, and My Motor Advanced Plus.
SourcePage 1Section: Συμπληρωματικά παρέχονται οι καλύψεις
Ενοικίαση αυτοκινήτου
Own Damage – 50% Reduction for Undeclared Young/Inexperienced Drivers
Under My Motor Advanced Plus, own damage coverage is limited to 50% of the vehicle's damage if the driver is under 23 years old or holds a driving licence for less than one year and has not been declared to the insurer.
SourcePage 1Section: Υπάρχουν περιορισμοί στην κάλυψη;
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.
Glass Damage – Factory Sunroof Coverage Age Limit
Factory-fitted openable glass sunroofs are covered under the glass damage optional coverage for up to 7 years from the vehicle's first registration date. Non-factory sunroofs are excluded entirely.
SourcePage 1Section: Για τις καλύψεις που παρέχονται συμπληρωματικά
Οι εργοστασιακές ανοιγόμενες γυάλινες ηλιοροφές, καλύπτονται έως και επτά (7) έτη μετά από την ημερομηνία 1ης κυκλοφορίας του οχήματος.
Roadside Assistance – Vehicle Type and Size Restrictions
Roadside assistance and accident towing 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 a wheelbase of up to 3.5 metres.
SourcePage 1Section: Για τις καλύψεις που παρέχονται συμπληρωματικά
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.
Racing, Unauthorised Use and Non-Road Exclusions
Damage from participation in official or unofficial races, demonstrations, festive parades, or speed competitions is excluded. Damage from vehicle movement in areas where vehicle circulation is not permitted or is prohibited by authorities (e.g. airports) is also excluded. Damage when the vehicle is used for purposes or carries cargo/passengers different from what is stated in the licence is excluded.
SourcePage 1Section: Υπάρχουν περιορισμοί στην κάλυψη;
Ζημιές από τη συμμετοχή του ασφαλισμένου οχήματος σε επίσημους ή ανεπίσημους αγώνες, επιδείξεις, εορταστικές παρελάσεις, διαγωνισμούς ταχύτητας.
Exclusion for Unlicensed Drivers and Intoxication
Damage caused by a driver who does not hold the legally required driving licence is excluded. Damage caused by a driver who was under the influence of alcohol or toxic substances at the time of the accident is also excluded.
SourcePage 1Section: Υπάρχουν περιορισμοί στην κάλυψη;
Ζημιές που προκαλούνται από οδηγό ο οποίος στερείται την προβλεπόμενη από τον Νόμο άδεια οδήγησης.
Sources
- allianz.com.grhttps://www.allianz.com.gr/-/media/auto-moto-calculators-new-pdfs/auto/1232_--_-allianz-my-motor-complete.pdf?la=el#page=1(opens in a new tab)
- allianz.com.grhttps://www.allianz.com.gr/-/media/auto-moto-calculators-new-pdfs/auto/1232_--_-allianz-my-motor-complete.pdf?la=el#page=2(opens in a new tab)
- allianz.com.grhttps://www.allianz.com.gr/-/media/ipid-my-motor-advanced-plus.pdf?la=el#page=1(opens in a new tab)
- allianz.com.grhttps://www.allianz.com.gr/-/media/ipid-my-motor-advanced-plus.pdf?la=el#page=2(opens in a new tab)
Allianz Casco (own-damage car insurance)