Apeiron Insurance Project Casco (own-damage car insurance) (Auto Standard Advance Value Full)
Underwritten by Zavarovalnica Triglav d.d. · Greece
casco (own-damage car insurance) from Apeiron Insurance Project for the Greece market, with 24/7 assistance.
Verified Aug 14, 2026 · Terms dated 2020-05-01Sources
Key facts
- Apeiron Insurance Project
Unique selling points
Part of the Triglav Group (rated A by international rating agencies, solvency ratio 219%), providing strong financial security for claims payment.
Accident response service (Φροντίδα Ατυχήματος) included in all packages, providing on-site incident recording and immediate vehicle transport from the accident scene.
Legal protection in partnership with Arag is mandatorily included in the Auto Advance package, covering lawyer fees, court costs, and expert witness expenses.
Bonus Malus protection is included in Standard and Advance packages, protecting the insured's discount class in the event of two at-fault claims.
Carglass partnership for glass repair ensures quality windscreen replacement with a deductible waived at partner workshops.
Coverage limits
Own Damage (Ίδιες Ζημιές)
Covered
Covers damage to the insured vehicle from collision or accident, including total loss, available exclusively under the Auto Full package for private passenger cars (ΕΙΧ). Compensation is paid up to the insured sum agreed in the policy. Not covered in Standard, Advance, or Value packages. Poor maintenance, wear and tear, or tyre damage are excluded.
Section: Τι ασφαλίζεται > Full
Με το πρόγραμμα Full ασφαλίζεται επιπλέον των ως άνω καλύψεων μόνο για χρήση Επιβατικού Ι.Χ. ✓ Ίδιες Ζημιές
Total Loss
Covered
Covered as part of Own Damage (Ίδιες Ζημιές) under the Auto Full package for private passenger cars only. Compensation paid up to the insured sum. Excluded when caused by poor maintenance, wear and tear, or tyre failure.
Partial Loss
Covered
Covered as part of Own Damage (Ίδιες Ζημιές) under the Auto Full package for private passenger cars only. Covers partial damage to the insured vehicle resulting from an accident. Excluded when caused by poor maintenance, wear and tear, or tyre failure.
Theft and Robbery (Total and Partial)
Covered
Total theft: compensation according to the current market value of the vehicle (Auto Value and Auto Full). Partial theft: covers removal of fixed components due to theft or robbery, and damage from attempted theft (Auto Value for cars only; motorcycles excluded from partial theft). Theft coverage (total or partial) requires simultaneous fire coverage and minimum insured vehicle value of €4,000. Coverage also includes damages from attempted theft.
Section: Τι ασφαλίζεται > Value
Ολική Κλοπή (αποζημίωση σύμφωνα με την τρέχουσα αξία του οχήματος) ✓ Μερική Κλοπή με εξαίρεση την χρήση Δικύκλου
Glass Breakage (Θραύση Κρυστάλλων)
Optional
Optional coverage for breakage of windscreen and windows from an external cause. Included in the Auto Advance package (mandatory in Advance tier per product launch; optional in Standard). A deductible of €500 applies for repairs at non-partner workshops (from 1/1/2023; previously €250). Damages to lights or external mirrors are excluded. Carglass is a partner repair network for this coverage.
Section: Τι ασφαλίζεται > Standard/Advance > Προαιρετικά
Προαιρετικά παρέχονται οι καλύψεις: ... Θραύση κρυστάλλων ( από εξωτερική αιτία)
Natural Perils and Fire (Πυρκαγιά, Φυσικά Φαινόμενα, Χαλαζόπτωση)
Covered
Covers fire, natural phenomena, acts of God, and hailstorm damage. Available from Auto Value tier upwards. Hailstorm coverage capped at €1,500 (increased from €1,000 effective 1/12/2022, applying to new policies and renewals without premium change). Natural phenomena and hailstorm excluded for motorcycle use. Excludes coverage from radioactivity or nuclear energy.
Section: Τι ασφαλίζεται > Value
Φυσικά Φαινόμενα + Θεομηνίες με εξαίρεση την χρήση Δικύκλου ✓ Χαλαζόπτωση με εξαίρεση την χρήση Δικύκλου
Vandalism (Κακόβουλες Βλάβες Ιδίων Ζημιών)
Covered
Covers malicious damage to the insured vehicle. Available exclusively under the Auto Full package and only for private passenger cars (ΕΙΧ). Not available for motorcycles, commercial vehicles, or lower tiers.
Section: Τι ασφαλίζεται > Full
Κακόβουλες βλάβες ίδιων ζημιών
Roadside Assistance (Οδική Βοήθεια)
Optional
Optional coverage for vehicle breakdown, available under the Standard/Advance programme as well as the Value and Full packages. Provides immediate vehicle transport if immobilized on the road due to accident. Also provides assistance for trips over 25 km from the insured's place of residence, covering incidents such as injury, illness, loss of luggage, or trip interruption due to an emergency. Vehicle towing to a workshop is not covered if the breakdown can be repaired on-site. Not available for vehicles over 3.5 tonnes gross weight, overall length exceeding 5,500 mm, width exceeding 2,050 mm, or wheelbase over 3.15 metres. Emergency line: 2130904363 (24/7).
Section: Τι ασφαλίζεται > Standard/Advance > Προαιρετικά
Προαιρετικά παρέχονται οι καλύψεις: ... Οδική Βοήθεια (σε περίπτωση βλάβης)
Replacement Vehicle
No limit stated
Replacement vehicle coverage is not mentioned or offered in the Apeiron Standard/Advance/Value/Full product line across the sources reviewed.
Driver Personal Accident (Προσωπικό Ατύχημα Οδηγού)
Optional
Optional coverage for the driver. Pays compensation up to the agreed sum for total or partial permanent disability or death of the driver resulting from an accident. Motorcycle use is explicitly excluded from this coverage. Available as an add-on across all packages.
Section: Τι ασφαλίζεται > Προαιρετικά
Προσωπικό Ατύχημα οδηγού (αποζημίωση έως του συμφωνηθέντος ποσού για ολική ή μερική ανικανότητα ή απώλεια ζωής του οδηγού από ατύχημα) με εξαίρεση την χρήση Δικύκλου
Key conditions
Driver age and experience limit
No specific minimum driver age or experience requirement is stated in the IPID for standard passenger car coverage. Coverage requires the driver to hold the legally required driving licence for the vehicle category. For motorcycle Full packages, a minimum driver age of 28 years applies.
Repair network requirements
No mandatory repair network requirement is imposed for own-damage claims. For glass breakage, Carglass is a partner workshop network. Repairs at non-partner workshops for glass breakage incur a deductible of €500 (as of 1/1/2023; previously €250). Vehicle transport to a workshop by roadside assistance is not covered if the breakdown can be repaired on-site.
Anti-theft requirements
Theft coverage (total or partial) requires simultaneous fire coverage and a minimum insured vehicle value of €4,000. No specific anti-theft device requirement is stated beyond this threshold in the IPID.
Claim notification deadline
The insured must notify the insurer in writing of any loss event within eight (8) working days of becoming aware of it. Additionally, any change in circumstances that may significantly increase the risk must be reported within 8 days of becoming aware. The insured must also cooperate fully with the insurer's representatives and loss adjusters.
Deductible rules
No standard own-damage deductible amount is stated in the IPID. For glass breakage claims, a deductible of €500 applies for repairs at non-partner workshops (effective 1/1/2023; was €250 previously). The policy excludes coverage arising from gross negligence or wilful misconduct of the policyholder, insured, or driver.
Direct payment
Compensation is paid directly to the insured after submission of the required documents to the claims department. The assigned claims handler communicates the compensation amount and payment date upon receiving all necessary documents.
Territorial scope
Mandatory third-party liability coverage is valid in Greece, EU/EEA member states, and other countries whose National Insurance Bureaux are bound by the Multilateral Guarantee Agreement of 15 March 1991. Optional coverages are valid within Greece only, unless otherwise specified in a relevant policy clause.
Documents
Insurance Product Information Document (IPID) - Vehicle Insurance (opens in a new tab)
Product information sheet · PDF
Terms and Conditions of Vehicle Insurance Policy - May 2020 (opens in a new tab)
Terms & conditions · PDF
Customer Information Brochure - Apeiron Insurance Project (opens in a new tab)
Other document · PDF
Policy specifics
Fire and Theft Coverage
Core coverage type for Auto Advance, Auto Value, and Auto Full packages as specified in product name (Fire, Theft & Comprehensive)
SourceSection: Ασφάλιση Αυτοκινήτου Προγράμματα Auto Standard, Auto Advance, Auto Value+ και Auto Full+.
Πυρκαγιά Ολική-Μερική Κλοπή
Third Party Liability
Mandatory coverage for injury to third parties or damage to third party property, as referenced in all Apeiron car insurance packages
SourceSection: Τι καλύπτουν τα προγράμματα μας > Αστική ευθύνη σε περίπτωση ατυχήματος
Καλύπτουμε τραυματισμό τρίτου προσώπου ή πρόκληση ζημιάς σε όχημα ή σε περιουσιακά στοιχεία τρίτου προσώπου.
Vehicle Usage Restrictions
No coverage is provided when the insured vehicle is used for purposes other than those authorized by its registration certificate. Explicit exclusions apply when the vehicle participates in exhibitions, festive parades, official or unofficial racing, speed or skill contests, and related test runs. Damages to or from special-type vehicles, tools or machinery arising from their operation as tools (rather than from their movement) are also excluded.
SourcePage 1Section: Υπάρχουν περιορισμοί στην κάλυψη; > Περιορισμοί κάλυψης στην Αστική Ευθύνη
Δεν παρέχεται κάλυψη, όταν το ασφαλισμένο όχημα λαμβάνει μέρος σε επιδείξεις, εορταστικές παρελάσεις, επίσημους ή ανεπίσημους αγώνες, διαγωνισμούς ταχύτητας ή δεξιοτεχνίας και σε σχετικές δοκιμαστικές διαδρομές
Driver Impairment Exclusion
No coverage is provided when the driver of the insured vehicle is under the influence of alcohol or toxic substances in violation of applicable traffic laws. This exclusion applies to third-party liability claims.
SourcePage 1Section: Υπάρχουν περιορισμοί στην κάλυψη; > Περιορισμοί κάλυψης στην Αστική Ευθύνη
Δεν παρέχεται κάλυψη, όταν ο οδηγός του αυτοκινήτου βρίσκεται κάτω από την επίδραση οινοπνεύματος ή τοξικών ουσιών
Windscreen / Glass Coverage
Glass breakage coverage from an external cause is included in Auto Advance and higher tiers (mandatory in Advance; optional add-on in Standard). Carglass is a partner repair network. Deductible of €500 applies at non-partner workshops (from 1/1/2023; previously €250). Damages to lights or external mirrors are excluded.
SourcePage 1Section: Τι ασφαλίζεται > Προαιρετικά
Θραύση κρυστάλλων ( από εξωτερική αιτία)
Legal Protection Coverage (Νομική Προστασία / Νομική Προστασία Arag)
Legal protection coverage (in partnership with Arag) covers lawyer fees, court expert fees, court costs, bailiff expenses, and witness compensation in the event of an accident. Mandatory in the Auto Advance package; optional add-on in Standard, Value, and Full packages.
SourceRoadside Assistance
Roadside assistance service available through Apeiron auto insurance, including towing and emergency vehicle transport if immobilized on road
SourceSection: Τι καλύπτουν τα προγράμματα μας > Οδική Βοήθεια
Προσφέρουμε άμεση μεταφορά του οχήματος, εάν ακινητοποιηθεί στο δρόμο εξαιτίας ατυχήματος.
Uninsured Vehicle Collision Protection
Compensation for damages resulting from collision with uninsured vehicle, provided driver of uninsured vehicle is solely at fault
SourceSection: Τι καλύπτουν τα προγράμματα μας > Υλικές Ζημιές από ανασφάλιστο όχημα
Αποζημιώνεστε για ζημιές από σύγκρουση με ανασφάλιστο όχημα, εφόσον ο οδηγός του ανασφάλιστου οχήματος είναι αποκλειστικά υπαίτιος.
Sources
- apeironinsurance.euhttps://apeironinsurance.eu/%CE%B1%CF%83%CF%86%CE%AC%CE%BB%CE%B9%CF%83%CE%B7-%CE%B1%CF%85%CF%84%CE%BF%CE%BA%CE%B9%CE%BD%CE%AE%CF%84%CE%BF%CF%85/(opens in a new tab)
- apeironinsurance.euhttps://apeironinsurance.eu/wp-content/uploads/2020/03/ipid.pdf#page=1(opens in a new tab)
- apeironinsurance.euhttps://apeironinsurance.eu/wp-content/uploads/2020/03/ipid.pdf#page=2(opens in a new tab)
- apeironinsurance.euhttps://apeironinsurance.eu/ασφάλιση-αυτοκινήτου/(opens in a new tab)
- apeironinsurance.grhttps://apeironinsurance.gr/insurace_auto/(opens in a new tab)
- nextdeal.grhttps://www.nextdeal.gr/asfalistikes-eidiseis/idiotiki-asfalisi/110854/apeiron-insurance-veltioseis-ston-klado-aytokinitoy(opens in a new tab)
Apeiron Insurance Project Casco (own-damage car insurance)