Groupama Phoenix Hellenic Insurance Company S.A.
Groupama
Groupama is a motor casco insurance for the Greece market with online purchase and 24/7 assistance.
Direct payment
Groupama pays the repair shop directly on behalf of the insured for covered claims under the casco coverage.
Geographic scope
Greece (mandatory MTPL also valid in EU/EEA countries per P.D. 237/86); optional covers Greece only
Mandatory civil liability: Greece and countries covered by law (P.D. 237/86). All optional/casco covers: Greece only.
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
Coverage for windscreen and window glass breakage, excluding headlights and mirrors. Available in Pilote Value and Pilote Plus tiers. Coverage limit up to EUR 1,000. Not included in Pilote Eco 101.
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
Optional
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.
Personal Accident for Driver / Owner
Optional
Personal accident coverage for the driver/owner is available as an optional add-on across all Pilote tiers. Not included as standard in any tier.
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.
Territorial scope
Mandatory civil liability (MTPL) applies within Greece and in countries covered by law (P.D. 237/86). All optional and casco covers are valid only within Greece.
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.
Policy specifics
Civil Liability to Third Parties
Mandatory coverage for bodily injury and material damage to third parties arising from vehicle operation
Accident Care
Coverage for emergency assistance following an accident, including medical care and roadside assistance coordination
Fire Coverage
Coverage for vehicle damage from fire and explosion, including terrorist-related fire damage
Full Theft Coverage
Coverage for complete loss of vehicle due to theft, available in higher-tier plans (Value, Plus)
Bonus/Malus Protection
Protection against bonus loss or malus penalty following covered claims
Uninsured Vehicle Coverage
Coverage for material damage to the insured vehicle caused by an uninsured third-party vehicle
Glass Breakage Coverage
Coverage for windscreen and window glass breakage, excluding headlights and mirrors
Legal Protection
Coverage for legal assistance and representation in motor-related disputes
Valid Driver License Requirement
Insurance does not cover claims when the driver lacks a valid license for the vehicle class or the license has expired
Intoxication Exclusion
Insurance does not cover claims when the driver is under the influence of alcohol or toxic substances
Vehicle Use Restriction
Insurance does not cover claims when the vehicle is used for purposes different from those specified in the policy or vehicle registration
Geographic Coverage Scope
Mandatory liability coverage applies within Greece and EU countries as defined by law. Optional coverage extensions may apply in other jurisdictions
Roadside Assistance Partnership
Roadside assistance and accident care are provided through partnership with Mondial Assistance network