Dynamis General Insurance S.A.
ΔΥΝΑΜΙΣ ΑΣΦΑΛΙΣΤΙΚΗ
ΔΥΝΑΜΙΣ ΑΣΦΑΛΙΣΤΙΚΗ is a motor casco insurance for the Greece market with no online purchase and 24/7 assistance.
Direct payment
The insurance contract is delivered only after payment of the premium or the first instalment. Payment is accepted via bank transfer, cash (within transaction limits), debit or credit card, or through an authorised partner intermediary who issues a receipt.
Geographic scope
Greece
Primary coverage within Greece. Green card required for third-party liability extension abroad. Roadside and travel assistance valid in all EU countries, Serbia, North Macedonia, Albania, and the European part of Turkey.
Unique selling points
- Purpose-built exclusively for purely electric passenger cars, with EV-specific coverages not found in conventional motor policies.
- Base policy includes driver personal accident coverage during EV charging (€15,000), a unique protection relevant to EV ownership.
- Third-party liability limits of €1,300,000 each for bodily injury and material damage, exceeding the Greek statutory minimum.
- Replacement vehicle provided for up to 90 days in case of total theft, offering extended mobility protection.
- 100% Greek insurer with over 45 years of market experience, offering direct access to coverage through a nationwide network of authorised intermediaries.
Coverage limits
Own Damage (Ίδιες Ζημιές)
Optional
Covers accidental damage to the insured purely electric vehicle. Not available for vehicles over 10 years old. A deductible of 50% of the policy-stated excess applies when repairs are carried out at a Dynamis partner workshop.
Total Loss
Optional
Total loss is covered under the own damage (Ίδιες Ζημιές) optional coverage. Not available for vehicles over 10 years old. No separate total-loss limit is stated in the IPID; the insured vehicle value applies.
Partial Loss
Optional
Partial loss is covered under the own damage (Ίδιες Ζημιές) optional coverage. Partial theft (Κλοπή Μερική) is also available as a separate optional coverage. No specific partial-loss limit is stated.
Theft / Robbery
Optional
Optional coverage for full and partial theft of the vehicle, theft of audio system (up to €250), theft of charging cable (up to €1,500, provided theft occurred after break-in and not during charging), and material damage during theft attempt (up to €500). Coverage for damage during the period the vehicle was stolen (joyriding) up to €3,000, operating jointly with fire and/or own damage covers.
Glass Damage
Optional
Optional coverage for glass breakage up to €1,500. A €200 deductible applies if the vehicle is repaired at a workshop other than the one specified by the coverage. Sunroofs, mirrors, lights, and indicators are excluded.
Natural Perils
Optional
Optional coverage for weather events (excluding hail) and hail (up to €1,500 with a €150 deductible). Fire and terrorism/riots/strikes coverage is also available as a separate optional clause.
Vandalism / Malicious Acts
Optional
Optional coverage for malicious acts (Κακόβουλες ενέργειες). Must be combined with own damage cover — malicious acts without own damage cover is excluded. A deductible of 50% of the policy-stated excess applies when repairs are at a Dynamis partner workshop. Fire due to malicious acts is a separate optional clause.
Roadside and Travel Assistance
Optional
Optional roadside and travel assistance valid across all EU countries, Serbia, North Macedonia, Albania, and the European part of Turkey. Available for vehicles with approved gross weight under 3.5 tonnes and wheelbase under 3.5 metres. If added as an endorsement to an existing policy, activates after a 3-day waiting period. Note: accident towing (Ρυμούλκηση συνεπεία ατυχήματος) is included in the base policy at no extra cost.
Replacement Vehicle
Optional
Optional replacement vehicle provided for 7 days in case of accident, 30 days in case of fire, and 90 days in case of total theft.
Driver Personal Accident
Covered
Included in the base policy. Covers driver personal accident up to €15,000. An additional €15,000 coverage for driver personal accident during EV charging is also included in the base policy.
Key conditions
Driver age and experience limit
Drivers over 76 years of age are excluded. Drivers without a valid international driving licence are also excluded.
Repair network requirements
For own damage and malicious acts coverages, a 50% deductible of the policy-stated excess applies when repairs are carried out at a Dynamis partner workshop. For glass damage, a €200 deductible applies if the vehicle is repaired outside the network specified by the coverage.
Territorial scope
Main coverages apply within Greece. Third-party liability extension abroad requires a green card. Roadside and travel assistance is valid in all EU countries plus Serbia, North Macedonia, Albania, and the European part of Turkey.
Anti-theft requirements
Charging cable theft coverage requires that the theft occurred following a break-in of the insured vehicle and not during an active charging session. No other explicit anti-theft device requirement is stated in the IPID.
Claim notification deadline
The policyholder must notify the Company in writing within eight (8) days of becoming aware of the occurrence of the insured event, providing all necessary information, details, and documents related to the incident. Contact: 210-9006900.
Deductible rules
Glass damage: €200 deductible if repaired outside the designated network; sunroofs, mirrors, lights and indicators excluded. Hail: €150 deductible. Own damage and malicious acts: 50% of the policy-stated deductible when repaired at a Dynamis partner workshop. Joyriding damage (theft while stolen): up to €3,000, combined with fire and/or own damage cover.
Where to buy
Documents
My Dynamis e - Insurance Product Information Document (IPID)
ipid
Policy specifics
Loss of Keys and Documents
Covers loss of vehicle documents and keys, included in the basic package of MyDynamis+
24-hour Accident Care and Roadside Assistance
Immediate accident care support and roadside assistance available 24 hours per day
EV Charging-Specific Coverages
The My Dynamis e base policy includes unique EV coverages during charging: personal accident of driver during charging (€15,000), material damage during charging (€15,000), third-party liability during charging for bodily injury (€20,000) and material damage (€10,000). All charging coverages require that manufacturer charging specifications are followed and that damage is not due to poor maintenance of the vehicle or charging equipment.
Charging Cable Theft
Optional coverage for theft of charging cable up to €1,500. Valid only if the theft occurred following a break-in of the insured vehicle and not during an active charging session.
Airbag Coverage
Coverage for airbag damage up to €1,500, included in the base policy.
Legal Protection
Optional legal protection coverage up to €3,000.
Flexible Package Customization
PolicyHolders start with a mandatory basic coverage plan and can add optional coverage solutions to customize the package according to their needs
Purely Electric Vehicle Restriction
This product is exclusively for purely electric passenger cars (Ε.Ι.Χ.). Hybrid, plug-in hybrid, and conventional internal combustion engine vehicles are not eligible. Vehicles must not be taxis, rental/leasing vehicles, armoured, racing, ambulances, over 7 seats, or carry customs/foreign/test plates.