Allianz European Reliance Single Member Insurance S.A.
Allianz
Allianz is a motor casco insurance for the Greece market with online purchase and 24/7 assistance.
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.
Geographic scope
Greece (all casco coverages); MTPL also valid in EU/EEA member states and countries bound by the unified agreement; roadside assistance in listed European and Mediterranean countries
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.
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
Only in My Motor Advanced Plus
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.
Total Loss (Theft – Full)
Covered
Total loss is covered under the theft (full theft) coverage, which is included in all three casco tiers (My Motor Complete, Complete Plus, Advanced Plus). The limit is the insured sum stated in the policy. Embezzlement and shoplifting are explicitly excluded from the theft cover.
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.
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.
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.
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.
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.
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.
Replacement Vehicle (Car Rental)
Optional
Only in My Motor Complete Plus, My Motor Advanced Plus
Available as an optional supplementary coverage in My Motor Complete Plus and My Motor Advanced Plus. Not listed in My Motor Complete. 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.
Personal Accident (Driver)
Conditional
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.
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.
Territorial scope
All casco coverages (theft, fire, natural perils, vandalism, own damage) are valid exclusively within Greek territory. Third-party liability extends to EU/EEA member states and countries bound by the unified agreement. Accident care, accident towing, and roadside assistance (where included) are provided in European and Mediterranean countries listed in the policy terms and conditions.
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.
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.
SourceReplacement 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 Plus and My Motor Advanced Plus.
SourceOwn 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.
SourceGlass 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.
SourceRoadside 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.
SourceRacing, 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.
SourceExclusion 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.
Source