Groupama Casco (own-damage car insurance) (Pilote)
Underwritten by Groupama Φοίνιξ Ανώνυμη Ελληνική Ασφαλιστική Εταιρεία · Greece
casco (own-damage car insurance) from Groupama for the Greece market, with online purchase and 24/7 assistance.
Verified Aug 13, 2026 · Terms dated 2022-06-08Sources
Unique selling points
Three-tier Pilote product line (Eco, Value, Plus) offers scalable cover from basic MTPL to full comprehensive (own damage + vandalism), all within one product family.
Accident care (Φροντίδα Ατυχήματος) with 24-hour claim notification and on-site amicable settlement assistance is included as standard in all Pilote tiers.
Groupama pays the repair shop directly under the Anesis Motor service, eliminating the need for the insured to pre-finance repairs and offering vehicle pick-up and delivery.
Over 95 years of continuous presence in the Greek insurance market as a 100% subsidiary of the international Groupama Group since 2007.
Uninsured driver coverage (material damage caused by an uninsured third party) is included as standard in all three tiers, including the entry-level Eco 101.
Coverage limits
Own Vehicle Damage (Comprehensive)
Conditional
Coverage for damage to the insured vehicle caused by the policyholder's own fault (collision, accident). Available exclusively in the Pilote Plus tier. Not included in Eco or Value tiers.
Total Loss
Conditional
Total loss of the vehicle resulting from a covered peril (e.g. own-fault collision). Covered under Pilote Plus as part of the comprehensive (Ζημιές Ιδίου Αυτοκινήτου) cover. Not covered in Eco or Value tiers unless caused by fire or natural perils.
Partial Loss / Partial Theft
Conditional
Partial loss coverage (damage to parts of the vehicle). Partial theft is available as an optional add-on in the Plus tier. General partial damage from own fault is included within the Pilote Plus comprehensive cover.
Total Theft
Covered
Coverage for complete loss of the vehicle due to theft. Included in all three tiers: Pilote Eco 101, Value, and Plus. Partial theft is an optional add-on available in the Plus tier.
Glass Breakage (excl. headlights and mirrors)
Conditional
No limit stated
Coverage for windscreen and window glass breakage, excluding headlights and mirrors. Available in Pilote Value and Pilote Plus tiers. The IPID does not state a coverage limit. Not included in Pilote Eco 101.
Section: Τι ασφαλίζεται;
ΘΡΑΥΣΗ ΚΡΥΣΤΑΛΛΩΝ (πλην φανών & καθρεπτών)
Natural Perils (Act of God)
Covered
Coverage for vehicle damage caused by natural perils (storms, floods, hail, etc.). Included in all three tiers: Pilote Eco 101, Value, and Plus.
Vandalism / Malicious Damage
Conditional
Coverage for damage to the insured vehicle caused by malicious acts of third parties (vandalism). Available exclusively in the Pilote Plus tier. Not covered in Eco or Value tiers.
Roadside Assistance
Optional
Roadside assistance available as an optional add-on across all Pilote tiers, provided in partnership with Mondial Assistance. Not included as standard in any tier. Accident care (Φροντίδα Ατυχήματος) is included standard in all tiers.
Replacement Vehicle
Not established from the insurer's documents
A replacement vehicle during repair is mentioned as a benefit of the Anesis Motor service offered by Groupama, but specific inclusion terms and tiers are not detailed in the official IPID documents.
η Groupama Ασφαλιστική σου παρέχει την υπηρεσία Anesis Motor με ΔΩΡΕΑΝ ΑΝΤΙΚΑΤΑΣΤΑΣΗ του οχήματός σου σε περίπτωση ατυχήματος
Key conditions
Driver age and experience limit
No specific driver age or experience limit is stated in the IPID documents. Coverage exclusions apply when the driver does not hold a valid licence for the vehicle class or the licence has expired.
Repair network requirements
No specific approved repair network requirement is stated in the IPID documents. Groupama offers direct payment to repair shops under the Anesis Motor service.
Anti-theft requirements
No specific anti-theft device requirements are stated in the IPID documents.
Claim notification deadline
In the event of a loss, the insured must notify the Company in writing within 8 working days and provide all necessary information, documents, and evidence.
Deductible rules
The Company is liable per accident for damage exceeding the applicable deductible amount and up to the maximum insured sum for each covered risk. Specific deductible amounts are defined in the policy schedule.
Direct payment
Groupama pays the repair shop directly on behalf of the insured for covered claims under the casco coverage.
Territorial scope
Mandatory civil liability: Greece and countries covered by law (P.D. 237/86). All optional/casco covers: Greece only.
Documents
Policy specifics
Civil Liability to Third Parties
Mandatory coverage for bodily injury and material damage to third parties arising from vehicle operation
SourceAccident Care
Accident care cover (Φροντίδα Ατυχήματος) is listed among the covers included in the policy. The IPID does not provide further details of the service.
SourceClause ΦΡΟΝΤΙΔΑ ΑΤΥΧΗΜΑΤΟΣPage 1Section: Τι ασφαλίζεται;
ΦΡΟΝΤΙΔΑ ΑΤΥΧΗΜΑΤΟΣ
Fire Coverage
Coverage for vehicle damage from fire and explosion, including terrorist-related fire damage
SourceFull Theft Coverage
Coverage for complete loss of vehicle due to theft, included in all Pilote tiers (Eco 101, Value, Plus)
SourceClause ΟΛΙΚΗ ΚΛΟΠΗPage 1Section: Τι ασφαλίζεται;
ΟΛΙΚΗ ΚΛΟΠΗ
Uninsured Vehicle Coverage
Coverage for material damage to the insured vehicle caused by an uninsured third-party vehicle
SourceGlass Breakage Coverage
Coverage for windscreen and window glass breakage, excluding headlights and mirrors
SourceValid Driver License Requirement
Insurance does not cover claims when the driver lacks a valid license for the vehicle class or the license has expired
SourceIntoxication Exclusion
Insurance does not cover claims when the driver is under the influence of alcohol or toxic substances
SourceVehicle Use Restriction
Insurance does not cover claims when the vehicle is used for purposes different from those specified in the policy or vehicle registration
SourceGeographic Coverage Scope
Mandatory liability coverage applies within Greece and EU countries as defined by law. Optional coverage extensions may apply in other jurisdictions
SourceRoadside Assistance Partnership
Roadside assistance and accident care are provided through partnership with Mondial Assistance network
SourceSources
- autotriti.grhttps://www.autotriti.gr/autoaccessories/news/data/asfaleies/Trakara-Anasfalisto-Ti-prepei-na-kanw_236406_56648.asp(opens in a new tab)
- comple.grhttps://www.comple.gr/asfalistikes-etairies/groupama/(opens in a new tab)
- groupama.grhttps://www.groupama.gr/(opens in a new tab)
- groupama.grhttps://www.groupama.gr/programmata-asfalishs/idiwtes/aytokinhto/programmata-pilote(opens in a new tab)
Groupama Casco (own-damage car insurance)