Insurance Company Euroins SA, Branch Greece
Euroins
Euroins is a motor casco insurance for the Greece market with no online purchase and limited assistance availability.
Direct payment
Claims are handled by Euroinsclaims IKE, the dedicated claims management company of Euroins Greece. Compensation is paid directly to the insured following claim assessment. Pre-repair expert inspection is mandatory; unauthorized repairs may result in claim denial or reduction.
Geographic scope
Greece (nationwide)
Own damage (CASCO) coverages apply only within the territory of Greece. Civil Liability applies in Greece, EU/EEA countries and countries with Motor Insurers' Bureau agreements. Roadside assistance coverage extends to Greece and specific European and Mediterranean countries per cooperating company agreements.
Unique selling points
- Four-tier AutoSafe package structure (Bronze/Silver/Gold/Platinum) allows flexible customisation from basic MTPL to full CASCO own damage coverage within a single product line.
- Remote pre-insurance vehicle inspection via video call on the customer's mobile device, enabling rapid policy issuance without an in-person visit.
- Strategic partnership with Carglass® provides Euroins policyholders with priority access to a nationwide network for vehicle glass repair and replacement.
- Dedicated AutoSafe mobile app (Android/iOS) enables instant accident care notifications and GPS-tracked roadside assistance calls for all active policyholders.
- Claims managed by the dedicated Euroinsclaims IKE team, committed to processing compensation faster than the statutory three-month deadline.
Coverage limits
Own Damage (CASCO / Mixed Insurance)
Conditional
Covers accidental damage to the insured vehicle caused by the policyholder's own fault. Coverage limit equals the insured/agreed value of the vehicle. Available exclusively in the Platinum tier of the AutoSafe product. A deductible of 1% of the insured capital applies, with a minimum of €400.
Total Loss
Conditional
Total loss is covered under the CASCO own damage coverage included in the Platinum tier. If the vehicle is declared a total loss, compensation is based on the insured/agreed market value at the date of the loss. For theft, total theft (ολική κλοπή) is separately covered from the Gold tier upward.
Partial Loss
Conditional
Partial damage to the insured vehicle is covered under the CASCO own damage coverage in the Platinum tier. Partial theft (μερική κλοπή — theft of components essential for vehicle operation) is covered from the Gold tier upward. A deductible applies on own damage claims.
Theft (Total and Partial)
Conditional
Total theft (ολική κλοπή) covers the market value of the vehicle on the day of theft. Partial theft (μερική κλοπή) covers vehicle components essential for its operation. Both are available from the Gold tier; the Platinum tier also includes full CASCO own damage. Compensation is based on the current market value of the vehicle.
Glass Breakage
Conditional
Glass breakage (θραύση κρυστάλλων) is part of the broader CASCO own damage coverage available in the Platinum tier. Euroins Greece has a strategic partnership with Carglass® for vehicle glass repair and replacement, providing rapid service through an extensive nationwide network.
Natural Phenomena
Conditional
Coverage for damages caused by natural phenomena (e.g. storm, hail, flooding). Included from the Bronze tier onward (optionally excludable in Bronze). Also included in Silver, Gold and Platinum tiers. Coverage applies within Greek territory.
Malicious Acts / Vandalism
Optional
Coverage for damages caused by malicious acts of third parties (vandalism). Available as an optional add-on to the Platinum tier. Provides full compensation up to the current market value of the vehicle for damages resulting from vandalism and other malicious actions.
Roadside Assistance
Optional
Basic accident care (Φροντίδα Ατυχήματος) is included in the Bronze base tier. Full roadside and travel assistance (Πλήρης Οδική & Ταξιδιωτική Βοήθεια) is available as an optional add-on across tiers. Coverage extends to Greece and specific European and Mediterranean countries per cooperating company agreements. The AutoSafe mobile app enables instant roadside assistance calls with GPS location.
Replacement Vehicle
Conditional
A replacement vehicle is provided when the insured vehicle cannot be driven due to total or partial loss, or temporary loss during repair following fire, theft or own damage (CASCO). Available from the Silver tier onward. Specific duration and conditions are set out in the policy schedule.
Personal Accident for Driver
Covered
Personal accident coverage (Προσωπικό Ατύχημα) for the driver is included as a standard cover from the Bronze base tier across all AutoSafe packages. Specific benefit limits are defined in the policy schedule and vary by package.
Key conditions
Driver age and experience limit
Special provisions apply for young, newly licensed, or elderly drivers affecting premium calculation and available coverage terms. Driver age and experience must be declared at policy inception. Details are set out in the special conditions of the policy.
Repair network requirements
Expert inspection of the vehicle is mandatory before repairs commence. Unauthorized repairs may result in claim denial or reduction. Euroins has a dedicated partner network for glass repair (Carglass®), roadside assistance, and expertise nationwide.
Territorial scope
CASCO own damage coverages (own damage, theft, natural perils, vandalism, glass) apply only within the territory of Greece. Civil Liability coverage extends to Greece, EU/EEA countries and countries with Motor Insurers' Bureau agreements. Roadside assistance extends to Greece and specific European and Mediterranean countries.
Anti-theft requirements
Pre-insurance inspection of the vehicle is required for CASCO (own damage / mixed insurance) coverage. The inspection is carried out remotely via video call from the customer's mobile device, guided by a company employee who photographs the vehicle. Anti-theft device requirements, if any, are specified in the special conditions.
Claim notification deadline
The policyholder must notify the insurance company in writing within 8 working days of the accident. The scene must be secured, photos must be taken, and police must be notified where required. Documents required for the claim must be submitted promptly. Failure to comply may result in claim denial or reduction.
Deductible rules
For the Platinum CASCO (own damage) package, a deductible of 1% of the insured capital applies, with a minimum of €400. If the damage amount equals or is less than the deductible, no compensation is paid. The deductible reduces the compensation by the applicable amount.
Documents
General and Special Terms of Motor Vehicle Insurance (effective 2025-05-19)
terms_and_conditions
Passenger Cars Private Use – Insurance Product Information Document (IPID)
ipid
General and Special Terms of Motor Vehicle Insurance (2024-04-25, superseded)
terms_and_conditions
General and Special Terms of Motor Vehicle Insurance (2022-11-17, superseded)
terms_and_conditions
General and Special Terms – Motor Vehicle Insurance (Euroins, third-party hosted copy)
terms_and_conditions
Policy specifics
Civil Liability to Third Parties
Compulsory by law coverage for damages caused to third parties in traffic accidents. Valid in Greece, EU, EEA countries and countries with Motor Insurers' Bureau agreements.
Own Damages (CASCO)
Optional coverage for damages to the insured vehicle from accidents, theft, fire, vandalism and other risks. Covers both accident and non-accident damages.
Instant Payment System (Friendly Settlement)
Agreement between insurance companies for compensation of motor vehicle accidents. Applies to material damage and minor bodily injuries under certain conditions.
Uninsured Vehicle Coverage
Optional coverage for damages caused by uninsured vehicles. Available through Auxiliary Fund for Motor Vehicles or through additional insurance company coverage option.
Policy Duration
Motor Third Party Liability insurance is valid for 1 year from the policy start date and time. Shorter periods are possible but subject to company policy.
Geographical Coverage Scope
Civil Liability coverage valid in Greece, EU, EEA countries and countries with Motor Insurers' Bureau agreements. Other coverages (own damages, roadside assistance) limited to Greece except where specific agreements apply.
Bonus-Malus System (Insurance Class)
Insurance class determined based on claim history reported to the insurer. Affects premium calculation and rating for renewal.
Policyholder Obligations in Case of Accident
Policyholder must notify insurance company in writing within 8 working days of accident, secure scene, take photos, notify police if required, avoid unauthorized repairs, provide all required documents.
Vehicle Transfer and Policy Termination
If vehicle ownership is transferred, insurance contract terminates automatically after 30 days from date of transfer. New owner must obtain separate insurance.
Driver Age and Experience Restrictions
Special provisions apply for young, new, or elderly drivers affecting premium calculation and coverage terms. Details in special conditions of policy.