Ατλαντική Ένωση Casco (own-damage car insurance) (Atlantic)

Covers damage to the insured vehicle caused exclusively by collision, impact, overturning, swerving, or falling. Available only in Atlantic Max tier; not included in Atlantic Plus (fire+theft tier). Deductible options of 150€, 300€, 450€, 600€ or 900€ per accident apply; insurer is liable for the excess above the agreed deductible. Insurer may opt to repair rather than pay cash. Young drivers under 23 or holding licence less than 12 months without declared additional premium receive only 50% of the claim. The insured sum is based on market value at time of loss accounting for depreciation.

In the event of total destruction of the insured vehicle, the insured sum is based on the market value of the vehicle at the time of loss (not the policy inception value), accounting for depreciation. Available under the own-damage (Μικτή) coverage of Atlantic Max tier only.

Partial damage from collision, impact, overturning, or swerving is covered under the own-damage (Μικτή) clause of Atlantic Max. The agreed deductible (150/300/450/600/900€ per accident) is subtracted; insurer pays the excess. Valuation at market value at time of loss net of depreciation. Tyre-only damage excluded unless concurrent with other covered damage. Damage during unauthorized use/theft, pre-existing damage from poor maintenance, and damage to catalytic converter in isolation are excluded.

Total theft: covers the actual market value of the vehicle at the time of loss (not inception value). Insurer's obligation arises after 60 days from police report submission and after presentation of a certificate that the complaint is pending. Vehicle found within 60 days with damage exceeding 90% of value is treated as total loss. Extended total theft (coverage code 0005): covers vehicles found within 60 days with damage exceeding 50% of value. Partial theft (coverage code 0006): covers value of stolen parts firmly attached to the vehicle necessary for operation, plus body damage caused during removal, and attempted break-in damage up to 10% of insured sum max 1,500€ with 150€ deductible per incident. Available in Atlantic Plus and Atlantic Max tiers. Insured must deliver all vehicle keys before settlement payment.

Covers any breakage of glass including replacement/repair labour and cleaning of the vehicle from debris, from any cause including attempted theft. Front/rear lights, mirrors, and turn indicators are excluded. Panoramic roofs and sunroofs and their mechanisms are excluded. Coverage applies only in case of partial damage to vehicle and is excluded in total loss. Insurer may pay cash or replace with glass of equivalent quality. Replacement coordinated free of charge through insurer's helpline (10234 or 2107470001) at authorized workshops when covered. Included as a basic cover in Atlantic Max up to a limit of 1,200€; available as an optional add-on (no stated limit) in Atlantic Plus. Coverage code 0009.

Two separate coverages: (1) Natural Phenomena (code 0011): covers damage caused directly or indirectly by storm, flood, typhoon, gale, windstorm, volcanic eruption, earthquake; excludes hailstorm and frost-related mechanical failures; requires concurrent fire cover; included as a basic cover in both Atlantic Plus and Atlantic Max tiers. (2) Hailstorm (code 0021): covers damage exclusively from hailstorm; 300€ deductible per accident; requires concurrent Natural Phenomena and Fire cover; optional add-on in Atlantic Plus but included as a basic cover in Atlantic Max.

Covers damage to the insured vehicle caused by malicious acts of third parties (vandalism/sabotage). 150€ deductible per incident applies. Must be provided together with Fire coverage. Police written confirmation required. Damage caused during theft is excluded. Coverage code 0007 (part of broader Terrorism/Strikes/Malicious Damage cover). Included as a basic cover in Atlantic Max; available only as an optional add-on in Atlantic Plus.

24/7 accident care (Φροντίδα ατυχήματος) is included as a basic cover in both Atlantic Plus and Atlantic Max tiers: insurer dispatches a representative to the accident scene to complete accident declarations, photograph vehicles, and transport the immobilized vehicle to the insured's chosen workshop near their permanent residence (vehicles up to 3.5 tonnes), via helpline 10234 or 2107470001 or the Atlantiki Assistance mobile app (Android/iOS). Roadside & Travel Assistance (code 0031) — covering on-site repair attempts, vehicle retrieval to public road (up to 300€), hotel stay (up to 250€/3 nights if breakdown >50 km from home), continuation-of-journey transport costs (up to 250€), taxi costs (up to 120€), rental car during trip (up to 250€/2 days if repair >48h), fuel assistance, and medical transfer — is an optional add-on in both Atlantic Plus and Atlantic Max tiers. Coverage is only active while the MTPL policy is in force.

Three replacement vehicle coverages available: (1) Rental car from fire/partial theft/own-damage/total theft (code 0016): insurer provides rental vehicle or covers rental costs; max 40 days for fire/partial theft/own-damage (3-day waiting period); max 60 days for total theft (5-day waiting period); max reimbursement is 6% of insured value for theft; replacement must be equal or lesser horsepower, max 11hp; damage threshold >25% of vehicle value (min 2,934.70€) for fire/partial theft/own-damage cases; available in Atlantic Max. (2) Temporary replacement vehicle due to theft (code 0065): free-of-charge replacement up to 60 days while stolen vehicle is sought; up to 1,400cc for vehicles up to 1,400cc, up to 1,600cc for vehicles above 1,401cc; within Greek territory only; available in Atlantic Plus and Atlantic Max. (3) Replacement vehicle due to accident (under Roadside & Travel Assistance Plus code 0031): up to 3 days, up to 1,600cc, within Greek territory; available in Atlantic Plus and Atlantic Max.