Εθνική Ασφαλιστική Casco (own-damage car insurance) (Auto Protect)

Coverage for own vehicle damage arising exclusively from collision, impact, skidding, overturning or falling during circulation (Ασφάλιση Ιδίων Ζημιών – Μικτή). Compensation is based on the vehicle's current market value at the time of the claim. Applies only in the Auto Protect Προνομιακό tier; not included in Έξτρα. The deductible is a specific amount per incident stated in the individual policy schedule, varying by insured value and coverage option selected. For vehicles over 5 years old, a depreciation deduction of 5% per year applies to spare parts, up to 40%. A value guarantee (εγγύηση αξίας) applies for new first-registered vehicles with invoice value up to €50,000: during the first 3 years of circulation, the insured value is paid in the event of total loss or theft, subject to conditions.

In the event of total constructive loss, compensation is determined by the vehicle's current commercial value at the date of the damaging event. For new vehicles in their first 3 years of registration with invoice value up to €50,000, the full insured value is paid (value guarantee clause – εγγύηση αξίας), deducting salvage and the applicable deductible. Applies under the Full Auto Premium tier (own-damage coverage). Under the policy's proportional rule (αναλογικός όρος / υπασφάλιση), if the insured value is less than the current market value, compensation is reduced proportionally.

Coverage for partial damage to the insured vehicle from collision, impact, skidding, overturning or falling during circulation. The insurer is liable for repair costs exceeding the applicable deductible, which is a specific amount stated in the individual policy schedule depending on insured value and option chosen. Insurer may elect to pay cash or arrange repair. For vehicles over 5 years old, a 5% per year depreciation allowance applies to spare parts (max 40%). Applies only under Auto Protect Προνομιακό tier.

Coverage for total vehicle theft and partial theft (ολική και μερική κλοπή). Total theft coverage pays the vehicle's market value on the day of loss, subject to a 45-day waiting period from reporting before compensation is due; deductible: €400. Partial theft covers stolen factory-installed components and body damage from break-in; non-factory equipment covered only if declared and described in the application (up to €500 for non-factory solidly attached parts). Included in both Full Auto Value and Full Auto Premium tiers. A police report and criminal complaint are mandatory conditions. Replacement vehicle is provided for up to 45 days following total theft (only for private passenger vehicles valued at or above €3,000). Partial theft cover requires concurrent total theft cover.

Coverage for breakage of vehicle glass in first-risk basis (Α' Κίνδυνο) up to the insured sum per policy year, including fitting and cleaning costs and breakage during attempted theft. Factory-installed sliding glass sunroofs covered for up to 5 years from first registration. Deductible: €150 (waived if repair is performed at an authorised partner glazing workshop). Excluded: front/rear lights, direction indicators, interior mirror, plastic sunroofs, glass roofs, and breakage caused by hail unless natural-perils cover also exists. Included in Full Auto Value and Full Auto Premium tiers. 30-day waiting period from application applies unless a pre-insurance inspection was conducted or a previous policy is transferred.

Coverage for damage to the insured vehicle caused during circulation by proven extreme natural events including flood, hail, typhoon, storm, windstorm, volcanic eruption, earthquake or other extreme natural disturbance, including engine damage. Also includes separate standalone coverage for flood from extreme natural disturbance and for forest-fire damage. Mandatory from 1 June 2025 under Greek Law 5162/2024. The deductible is the amount stated in the individual policy schedule, applied per incident; no deductible applies for flood damage caused by extreme natural disturbance. Frost damage is excluded. Intentional crossing of flooded roads/waterways is excluded. A certificate from the National Meteorological Service is required to confirm the event. Included in Auto Protect Έξτρα and Auto Protect Προνομιακό tiers.

Coverage for direct damage to the insured vehicle caused by malicious acts of third parties, whether individual or collective. The insured must file a criminal complaint against the perpetrators. The deductible is the amount stated in the individual policy schedule, applied per incident. A police report/criminal complaint copy must be provided to the insurer. Included only in Auto Protect Προνομιακό tier. Also separately, fire and explosion damage resulting from terrorist acts, riots, demonstrations, strikes and civil disturbances are covered under the fire-from-terrorism clause in both Έξτρα and Προνομιακό.

Optional add-on available with all Auto Protect tiers. Provided via AWP P&C S.A. (Mondial Assistance). Services include: on-site repair, vehicle transfer to insured's chosen workshop (within 50 km or within the regional unit, or to permanent residence), repatriation of vehicle from abroad (if repair duration exceeds 7 days), medical evacuation, travel assistance, accommodation expenses up to €250 per incident (Greece) or up to €100/person per day and €1,000/vehicle per incident (abroad, up to 7 days repair), and replacement vehicle (up to 7 days upon accident, subject to insured value and conditions). In-Greece vehicle transfer is also included as a standard base coverage (τοπική ρυμούλκηση) within the regional unit. Available 24/7 at tel. 210 90 99 999 / 210 90 99 000.

Replacement vehicle is provided as a standard included benefit in Full Auto Value and Full Auto Premium (not available for motorcycles or Smart-brand vehicles). Two scenarios: (a) following total theft: up to 45 days, available from next day after reporting theft to insurer, within Greece only, minimum insured value €3,000; (b) following fire/total loss from fire: up to 15 days. Conditions: driver must be 23+ years old, hold a driving licence for at least 1 year, and provide a credit card (or cash) guarantee. Vehicle category selected by the insurer (up to 1,400 cc for insured vehicles up to 1,400 cc; up to 1,600 cc for vehicles 1,401+ cc). For accident-related use of loss-of-vehicle coverage (combined with roadside assistance add-on), up to 7 days based on repair hours.