Generali Hellas Insurance Company S.A.
Generali
Generali is a motor casco insurance for the Greece market with online purchase and 24/7 assistance.
Direct payment
Policyholders with Own Damage (Comprehensive) coverage can have their vehicle repaired at zero out-of-pocket cost at Generali's pan-Hellenic network of authorized partner repair shops. Generali pays the repair shop directly, with no cash outlay required from the insured. If repaired outside the network, the insured must pay the deductible upfront and then be reimbursed.
Geographic scope
Greece
Coverage within the Greek territory. Extension to abroad (Green Card) available as optional add-on. Roadside assistance also available abroad with Green Card.
Unique selling points
- Young drivers (under 23 or licence held under 1 year) are eligible for comprehensive own-damage coverage — a protection traditionally excluded by most Greek motor insurers.
- Zero out-of-pocket glass repairs at authorised partners (Carglass, Glassdrive, ΦΙΛΗΣglass) with no deductible charged, including via mobile repair units.
- Roadside assistance arrives within 30 minutes in Athens and Thessaloniki, with free Uber taxi transfer provided during vehicle immobilisation (accident or breakdown) within Attica and Thessaloniki.
- My Drive telematics app rewards safe and eco-friendly driving with premium discounts (up to 10%) and monthly bonuses via the Club Red loyalty programme.
- Partner network repairs include a 24-month bodywork warranty, 12-month mechanical warranty, 35-point inspection, car wash, and optional Saturday home delivery — all at zero cost to the insured.
Coverage limits
Own Damage – Comprehensive Insurance (Ίδιες Ζημιές / Μικτή Ασφάλιση)
Conditional
Only in Speed On 3
Covers damage to the insured vehicle caused by the policyholder's own fault in a traffic accident. Available exclusively in Speed On 3 (ΜΙΚΤΗ tier). Compensation is paid up to the vehicle's insured value subject to the chosen deductible (€600, reducible to €300 when repaired at an authorized partner shop). Young drivers (under 23 or licence held less than 1 year) are also eligible with a corresponding deductible. Not available in Speed On 1 or Speed On 2.
Total Loss / Total Destruction
Conditional
Only in Speed On 2, Speed On 3
Compensation for total destruction of the vehicle is available under the Own Damage (Comprehensive) coverage in Speed On 3. The insured receives the vehicle's market value at the time of loss (or the agreed/protected value if those optional covers were selected). Fire causing total loss is covered in Speed On 2 and Speed On 3. Theft resulting in total loss (total theft) is covered in Speed On 2 and Speed On 3. Not available in Speed On 1.
Partial Loss / Partial Damage
Conditional
Only in Speed On 2, Speed On 3
Partial damage to the vehicle is covered under Own Damage (Comprehensive) in Speed On 3. Partial theft (theft of components or break-in damage) is covered in Speed On 2 and Speed On 3: audio/video/navigation devices not part of factory equipment are reimbursed up to €250 per device and €500 total; factory-installed equipment is covered at replacement value. Partial damages from fire, natural perils, malicious acts, and glass breakage are covered per the respective sub-coverages in Speed On 2 and Speed On 3. Not available for own-fault accident partial damage in Speed On 1 or Speed On 2.
Total Theft and Partial Theft / Robbery
Conditional
Only in Speed On 2, Speed On 3
Total Theft (Ολική Κλοπή): Included in Speed On 2 and Speed On 3. The insured is compensated at the vehicle's market value at the time of theft. Theft must be reported within 8 days; compensation is paid within 30 days. Partial Theft / Break-in (Μερική Κλοπή): Included in Speed On 2 and Speed On 3. Covers damage caused by theft attempt or theft of components. Non-factory audio/video/navigation devices are reimbursed up to €250 per device and €500 total. Factory-fitted equipment is covered at replacement value. Police report and theft certificate required. Not covered in Speed On 1.
Glass Breakage (Θραύση Κρυστάλλων)
Conditional
Only in Speed On 1 (optional), Speed On 2, Speed On 3
Covers replacement of all perimeter glass (front and rear windscreens, side windows), glass roofs and sunroofs, and factory-fitted glass equipment (e.g. rain sensors) due to cracking or breakage. Mirrors, lights and the mechanism operating glass roofs/sunroofs are excluded. In Speed On 1: optional add-on ('+'); deductible applies as stated in the policy. In Speed On 2 and Speed On 3: included as standard coverage; deductible as stated in the policy. When repaired at authorised partners (Carglass, Glassdrive, ΦΙΛΗΣglass) or at an authorized partner shop, no deductible is charged. If repaired elsewhere, the first €250 per claim applies as a deductible. Appointments available at the repairer's premises or via mobile repair unit.
Natural Perils (Φυσικά Φαινόμενα)
Conditional
Only in Speed On 2, Speed On 3
Covers any damage to the vehicle caused by natural phenomena such as hailstorms, floods, earthquakes, etc. Frost (παγετός) is explicitly excluded. A deductible/excess applies as stated in the policy. Available in Speed On 2 and Speed On 3 as standard inclusion. Not available in Speed On 1.
Vandalism / Malicious Acts / Public Disorder and Terrorism
Conditional
Only in Speed On 2, Speed On 3
Speed On 2: Includes Malicious Acts (Κακόβουλες Ενέργειες) with deductible as stated in the policy. Speed On 3: Includes Malicious Acts AND Damage from Public Disorder / Terrorist Acts (Διατάραξη Δημόσιας Τάξης - Τρομοκρατικές Ενέργειες) as standard coverage. Fire coverage also extends to damages caused by terrorist acts at all covered tiers. Not available in Speed On 1.
Roadside Assistance (Οδική Βοήθεια)
Optional
Only in Speed On 1 (optional), Speed On 2 (optional), Speed On 3 (optional)
Available as an optional add-on in all three tiers (Speed On 1, 2 and 3). Provides 24/7 on-site repair or towing to the nearest workshop in case of breakdown or accident. Also covers simple roadside needs such as tyre changes and fuel delivery. In Athens and Thessaloniki, assistance arrives within 30 minutes. Available throughout Greece and abroad under Green Card coverage. Activation via call to 18112 or +30 210 80 96 100, or via the MyGenerali app. Also includes free Uber taxi transfer (in cooperation with Uber) within Attica and Thessaloniki regions in case of vehicle immobilisation due to accident or breakdown, provided Roadside Assistance cover is active.
Replacement Vehicle Rental (Ενοικίαση Οχήματος)
Conditional
Only in Speed On 2, Speed On 3
Vehicle rental is included as standard coverage in Speed On 2 and Speed On 3, triggered in cases of total theft or fire causing the vehicle to be unusable. Additionally, policyholders with Own Damage (Comprehensive) coverage who use an authorized partner repair shop may receive a courtesy/replacement vehicle subject to availability. Not available in Speed On 1.
Personal Accident for Driver (Προσωπικό Ατύχημα Οδηγού)
Covered
Only in Speed On 1, Speed On 2, Speed On 3
Included as standard in all three tiers (Speed On 1, 2 and 3). Covers the driver of the insured vehicle (whether the policyholder or a third party with the policyholder's consent) for personal injury expenses arising from a traffic accident, as provided for in the policy schedule. The specific insured sum is stated in the individual policy.
Key conditions
Driver age and experience limit
A driver is classified as a 'young driver' (with a premium surcharge) if they are under 23 years of age OR hold a driving licence for less than one (1) year. Declaration of driver age is mandatory for premium calculation. Young drivers are eligible for all coverages including Own Damage (Comprehensive/Μικτή Ασφάλιση) with the corresponding deductible/excess.
Repair network requirements
Generali operates a pan-Hellenic network of authorized partner repair shops. Policyholders with Own Damage coverage who use this network benefit from: (a) zero out-of-pocket repair costs — Generali pays the shop directly; (b) a 50% reduction of the deductible (from €600 to €300) for Speed On 3 holders; (c) a courtesy/replacement vehicle subject to availability; (d) a 35-point vehicle inspection, a 24-month warranty on bodywork and 12-month warranty on mechanical parts, a car wash before collection, and the option to have the vehicle delivered to the customer's location including Saturdays. For glass breakage, authorized partners are Carglass, Glassdrive and ΦΙΛΗΣglass — repairs at these partners incur no deductible.
Territorial scope
Primary coverage within the Greek territory (Ελληνική Επικράτεια). Extension abroad (Green Card / International Insurance Certificate) is available as an optional add-on for all tiers. Roadside assistance is available in Greece and abroad when Green Card coverage is active.
Anti-theft requirements
No specific anti-theft device requirement is explicitly stated in the source documents. The insured is obliged to protect the vehicle as if it were uninsured (general duty of care).
Claim notification deadline
Theft must be reported to the police immediately and declared to Generali within eight (8) days of the incident. For road accidents, the Accident Care service (Φροντίδα Ατυχήματος) must be called immediately. For any other damage, the incident must be reported to Generali promptly; a representative will follow up the next business day. For glass breakage, the authorized repairer can be contacted directly. Claims can also be submitted digitally via the MyGenerali app.
Deductible rules
Own Damage (Ίδιες Ζημιές / Μικτή Ασφάλιση) — deductible of €600 applies; reduced by 50% to €300 when the vehicle is repaired at an authorized partner repair shop (Speed On 3). Natural Perils (Φυσικά Φαινόμενα) — deductible applies as stated in the individual policy. Glass Breakage (Θραύση Κρυστάλλων) — no deductible when repaired at Carglass, Glassdrive or ΦΙΛΗΣglass or an authorized partner shop; €250 deductible per claim when repaired elsewhere. The insured may choose the deductible amount at policy inception, which affects the premium level.
Where to buy
Policy specifics
Agreed Value Protection Cover
Vehicle insured at an amount agreed with Generali for total destruction or theft compensation
SourceUninsured Vehicle Protection
Full coverage against damage from uninsured vehicles; approximately 500,000 uninsured vehicles in Greece
SourcePublic Disorder and Terrorism Damage Coverage
Coverage for damages caused by public disorder or terrorism activities
SourceGlass Breakage Direct Repair
Glass breakage repair covered directly by Generali to authorized repair shops or mobile repair units
SourceDeductible Options
Own damages (Comprehensive Insurance) with deductible contribution options: €600, €1,000, €1,500, €2,000
SourceNetwork of Authorized Repair Shops
Pan-Hellenic network of contracted auto repair shops for direct expense coverage and immediate vehicle repairs
Source24-Hour Roadside Assistance
24/7 roadside assistance available in case vehicle breaks down; on-site repair or transportation to nearest workshop
SourceTaxi Ride Coverage via Uber
Free taxi transfer (Uber cooperation) if vehicle is immobilized due to accident or mechanical failure
SourceMy Drive Telematics and Reward Service
Digital telematics service rewards safe driving with discounts up to €70 on insurance premiums; personal driving score and advice
SourceThree Scalable Package Tiers
Speed On program consists of three scalable tiers (Speed On 1, 2, and 3) with add-on covers customizable to individual needs and budget
SourceYoung Driver Classification
Young driver defined as person under 23 years old OR holding driving license for less than one (1) year
Source