Anytime Online (digital brand of INTERAMERICAN HELLENIC INSURANCE COMPANY S.A.)
Anytime
Anytime is a motor casco insurance for the Greece market with online purchase and 24/7 assistance.
Direct payment
Claims are handled directly by Anytime/INTERAMERICAN. For own damage (ίδιες ζημιές), the insurer coordinates repair or compensation directly; for glass damage, payment is made directly to the partner repair network (Carglass, Glassdrive, ΦΙΛΗΣGlass, GlassFit) with no financial burden to the insured when repaired through the partner network.
Geographic scope
Greece
Greece; roadside assistance also covers EU member states per general terms
Unique selling points
- Roadside assistance powered by INTERAMERICAN's own dedicated fleet of 222 vehicles across 111 service points, handling approximately 500,000 incidents per year.
- Total theft compensation paid in just 30 days after police report filing — faster than the typical 60-day market standard.
- Natural perils (including hail) covered with zero deductible in Value and Premium tiers, a benefit many insurers offer only as a paid extra.
- Legal protection with unlimited coverage limit in Greece available as an optional add-on, offering full peace of mind in vehicle-related disputes.
- Instant online policy issuance in minutes at anytime.gr, with the policy document sent directly to the customer's email — Greece's first direct-sale online insurance brand.
Coverage limits
Own Damage & Malicious Acts (Comprehensive)
Covered
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 applies to own damage claims. Vehicle must be photographed/inspected before this coverage activates.
Total Loss
Covered
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).
Partial Loss (Own Damage)
Covered
Partial own damage (repair costs) covered under Premium tier. A deductible applies. 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.
Theft (Total & Partial)
Covered
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.
Glass Breakage (Windscreen & Windows)
Optional
Optional add-on available for all tiers (Basic, Value, Premium). Covers repair or replacement of windscreen and windows from any external cause. Premium tier offers an enhanced limit of up to €1,500. Payment is made directly to the partner repair network (Carglass, Glassdrive, ΦΙΛΗΣGlass, GlassFit) with no financial burden to the insured when repaired through partner network.
Natural Perils
Covered
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.
Malicious Acts / Vandalism
Covered
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.
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.
Rental Vehicle / Loss of Use
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.
Driver Personal Accident
Covered
Coverage for personal accident of the driver. Included in Basic tier for passenger cars (Ιδιωτικής χρήσης επιβατικά) per the Greek IPID. The specific death/disability benefit limits applicable to the Greece product are not stated in the available Greek sources. Not to be confused with the Cyprus product limit of €10,000.
Key conditions
Driver age and experience limit
No explicit minimum driver age or experience limit is stated in the available Greek sources for the auto casco product. General underwriting factors including driver age and years of experience influence the premium calculation.
Repair network requirements
For glass breakage, repairs must be carried out at partner network garages (Carglass, Glassdrive, ΦΙΛΗΣGlass, GlassFit) for zero excess to apply. For own damage, the insurer may coordinate repair at authorized garages; excess rules vary depending on whether an authorized or non-authorized garage is used.
Territorial scope
Coverages apply in Greece. Roadside assistance covers EU member states per general terms.
Anti-theft requirements
No specific anti-theft device requirement is stated in available Greek sources for the auto casco product. Standard underwriting terms apply.
Claim notification deadline
The policyholder must notify Anytime immediately upon discovering a loss or damage. For own damage (ίδιες ζημιές), the insurer must be contacted at the dedicated claims line as soon as possible after the incident. Specific notification deadlines are set out in the full policy terms and conditions.
Deductible rules
Own damage (ίδιες ζημιές) claims are subject to a deductible (απαλλαγή). Natural perils and fire coverages have no deductible. Glass breakage has no deductible when repaired through partner network. The exact deductible amount for own damage is not stated in the available Greek marketing sources and is specified in the individual policy schedule.
Where to buy
Policy specifics
Natural Catastrophe Coverage
Coverage for damages from natural disasters including hail, flood, storm, and earthquake
Windscreen and Glass Coverage
Coverage for windshield and window damage with partner repair network (Carglass, Glassdrive, FILIS Glass, GlassFit)
Theft and Fire Protection
Coverage for total and partial theft of vehicle components and full fire damage; full theft claims processed after 30 days
Legal Protection
Coverage for legal and attorney fees in case of disputes; unlimited coverage limit in Greece
Personal Accident Coverage
Coverage for driver and passenger medical expenses and death benefits from accidents
Key and Lock Replacement
Coverage for cost of replacing vehicle keys and locks if lost or damaged
Pre-Inspection and Photography Requirement
For own damage & malicious acts (ίδιες ζημιές & κακόβουλες ενέργειες) coverage, the vehicle must be photographed by the insured using the company's designated online service, or inspected by a company representative, and confirmed to be in good condition before this coverage activates. Policy start for comprehensive coverage requires a minimum of 2 days from purchase to complete inspection.
New Vehicle Replacement Benefit
For vehicles stolen or totally destroyed within their 2nd year of first international registration, compensation is based on the insured value (not current market value). For vehicles up to 11 months old, additional new vehicle replacement benefit applies.
Vehicle Age Restriction
Premium tier comprehensive coverage typically restricted to vehicles under 15 years old
Authorized Repair Network Condition
Own damage claims may have different excess depending on whether repair is done at authorized partner garage or external garage
Loss of Use and Rental Vehicle Benefit
Daily allowance for rental vehicle costs when car is immobilized due to accident or breakdown
Comprehensive Damage Assessment and Appraisal Requirement
Company may request vehicle inspection, photographs, or professional appraisal before claim settlement
Sources
- https://apps.apple.com/gr/app/anytime-greece/id6471001654
- https://assets.pricefox.gr/documents/providers/anytime/anytime-provider-info.pdf
- https://digicare-insurance.com/blog/aig-vs-anytime-cypress-car-insurance
- https://digicare-insurance.com/blog/aig-vs-anytime-cyprus-car-insurance
- https://internationaldriversassociation.com/blog/best-car-insurance-in-greece/
- https://www.anytime.gr/car/programs-covers/standard
- https://www.anytime.gr/info/faq
- https://www.anytime.gr/online/wcm/connect/www.anytime.gr-11409/b8cc0cd1-52b2-4a98-addb-ad3c9300b3ab/basic-perac.pdf
- https://www.anytimeonline.com.cy/en/allprograms/personal-vehicle
- https://www.cosmoteinsurance.gr/partners/anytime