Ethniki Hellenic General Insurance Company S.A. (A.E.E.G.A. "I Ethniki")
Εθνική Ασφαλιστική
Εθνική Ασφαλιστική is a motor casco insurance for the Greece market with no online purchase and 24/7 assistance.
Direct payment
Ethniki Ασφαλιστική pays authorised repair garages directly for covered repairs; the insured only pays the applicable deductible (απαλλαγή) as stated in the policy. For claims up to €300, automatic AI-assisted assessment is available with compensation deposited within 1 business day of acceptance.
Geographic scope
Greece
Optional coverages (own damage, theft, natural perils, glass, vandalism) apply within Greek territory only. Third-party liability (MTPL) extends to Greece, EU/EEA member states and countries party to the Unified Agreement Section III.
Unique selling points
- Ethniki Asfalistiki pays repairs directly to its authorised partner workshops—insureds never need to advance repair costs beyond the stated deductible.
- For minor claims up to €300, an AI-powered instant assessment is available with compensation credited within 1 business day of acceptance.
- A value guarantee (εγγύηση αξίας) ensures first-registered vehicles with invoice value up to €50,000 receive the full insured value in the event of total loss or theft during the first 3 years of circulation—not merely market value.
- Premium tier (Προνομιακό) guarantees that premiums will not increase following up to two at-fault accidents in the same policy year (εγγύηση ασφαλίστρου).
- Over 130 years of continuous operation in Greek insurance, backed by one of the country's largest insurers with an extensive nationwide network of partner workshops for on-the-spot accident management (Εθνική Φροντίδα Τροχαίου Ατυχήματος).
Coverage limits
Own Vehicle Damage (Collision)
Conditional
Only in Auto Protect Προνομιακό
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. Deductible ranges from €700 to €10,000 per incident depending on 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.
Total Loss
Conditional
Only in Auto Protect Προνομιακό
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 Auto Protect Προνομιακό 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.
Partial Loss (Own Damage)
Conditional
Only in Auto Protect Προνομιακό
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 (€700–€10,000 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.
Theft and Robbery (Total and Partial)
Covered
Only in Auto Protect Έξτρα, Auto Protect Προνομιακό
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 Auto Protect Έξτρα and Auto Protect Προνομιακό 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.
Glass Breakage (Windscreen and Vehicle Glass)
Covered
Only in Auto Protect Έξτρα, Auto Protect Προνομιακό
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 Auto Protect Έξτρα and Auto Protect Προνομιακό tiers. 30-day waiting period from application applies unless a pre-insurance inspection was conducted or a previous policy is transferred.
Natural Perils (Extreme Weather Events)
Covered
Only in Auto Protect Έξτρα, Auto Protect Προνομιακό
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. Deductible: €200 per incident (€100 if repair is performed at a partner network workshop); 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.
Vandalism (Malicious Acts by Third Parties)
Conditional
Only in Auto Protect Προνομιακό
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. Deductible: €400 per incident (€700 for vehicles with insured value above €30,000). 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.
Roadside Assistance (Road and Travel Assistance)
Optional
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
Covered
Only in Auto Protect Έξτρα, Auto Protect Προνομιακό
Replacement vehicle is provided as a standard included benefit in Auto Protect Έξτρα and Προνομιακό (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.
Driver Accident Cover (Bodily Injury to Driver)
Covered
Only in Auto Protect Έξτρα, Auto Protect Προνομιακό
Covers the current driver of the insured vehicle in the event of bodily injury from a road accident caused by his/her own fault, within Greece (unless otherwise agreed). Coverages include: (A) Death: up to the amount stated in the policy; (B) Permanent total or partial disability: up to the same amount (partial disability per the disability table, max 70%); (C) Medical expenses: up to €500 per accident (limited to medicines, doctor fees, lab tests); (D) Daily hospital benefit: €50/day for up to 30 days (doubled in ICU). Benefit is paid if death or permanent disability occurs within 1 year of accident. Excluded: pre-existing conditions, cardiac events, psychiatric disorders, accidents under alcohol/drugs, suicide, racing. Included in Auto Protect Έξτρα and Auto Protect Προνομιακό tiers; not available for motorcycles and mopeds in Έξτρα.
Key conditions
Driver age and experience limit
The insured must declare all habitual and secondary drivers. A surcharge (επασφάλιστρο) applies for drivers under 23 years or with less than 365 days' licence validity. If an undeclared driver in these categories causes an accident, the insurer retains a right of recourse: 60% of total compensation if the driver is both under 23 and has held a licence for less than 12 months; 30% if only one condition applies. A minimum driver age of 23 years applies for the use of replacement vehicles under the policy.
Repair network requirements
Repairs performed through the insurer's authorised partner network result in direct settlement between the workshop and the insurer, with no out-of-pocket cost for the insured beyond the applicable deductible. Reduced deductibles apply for glass and natural-perils claims handled at partner workshops (glass: €0 instead of €150; natural perils: €100 instead of €200). The insured may choose any repair workshop, but direct settlement and waived/reduced deductibles apply only at authorised partners.
Territorial scope
Optional casco coverages (own damage, theft, natural perils, glass, vandalism) are valid only within Greek territory unless otherwise agreed in writing. Third-party liability coverage extends to Greece, EU/EEA member states, and countries whose National Bureaux of International Insurance are bound by Section III of the Unified Agreement. For other countries, a Green Card (Πράσινη Κάρτα) issued upon written request and payment of additional premium is required.
Anti-theft requirements
For total theft claims: the insured must immediately report the loss to the police and file a criminal complaint (μήνυση) at own expense, provide copies to the insurer, and surrender all vehicle keys. Compensation obligation arises after 45 days from reporting, provided the complaint is pending. The complainant may not withdraw the complaint after compensation is paid. For partial theft claims: police report of incident and surveyor confirmation of damage required.
Claim notification deadline
The accident must be reported in writing (with signature) to the insurer within 8 business days of the accident date. All relevant information and documents specified in the policy must be provided. For collision own-damage claims not using amicable settlement (φιλικός διακανονισμός), a police incident report must be obtained where objectively possible. Failure to notify promptly may result in reduced or forfeited compensation to the extent of the insured's fault.
Deductible rules
The following deductibles (απαλλαγή) apply per claim by coverage type: Own damage (collision / Μικτή): €700, €1,000, €1,100, €1,300, €1,400, €1,600, €1,700, €2,500, €5,000, €7,500, or €10,000 per accident depending on insured value and option selected. Theft own-damage (ίδιες ζημιές σε κλοπή): €400. Natural perils: €200 (€100 at partner workshop); no deductible for flood from extreme natural event. Glass breakage: €150 (€0 at partner glazing workshop). Vandalism / malicious acts: €400 (€700 for vehicles with insured value above €30,000). For vehicles over 5 years from manufacture, an additional depreciation deduction applies to spare parts: 5% per year, up to 40% maximum.
Where to buy
Policy specifics
Theft coverage
Coverage for theft and attempted theft of the vehicle, included in Full Auto Value variant
SourceNatural hazards coverage
Coverage for damage from natural phenomena such as fire, flooding, and natural disasters, required by Law 5162/2024 and included in Full Auto Value
SourceOwn vehicle damage coverage
Coverage for collision and accident damage to the insured vehicle; included in Full Auto Value and higher tiers
SourceGlass breakage coverage
Optional coverage for windscreen and vehicle glass repair or replacement; available as add-on in Full Auto Value
SourceAuthorized repair network
Repairs through Ethniki's associated garages provide priority service and direct settlement between garage and insurer without customer charge
SourceRoadside assistance service
24/7 roadside assistance provided via Mondial Assistance (AWP P&C SA) including vehicle transfer and hotel accommodation up to €200-€500 depending on location
SourceUndervaluation clause
If vehicle is insured for less than current commercial value, compensation is calculated proportionally according to mathematical formula
SourceAI-powered amicable settlement process
For claims up to €300, automatic AI assessment available; compensation deposited within 1 business day upon acceptance
Source