HD Insurance PLC (trading as Hellas Direct)
Hellas Direct
Hellas Direct is a motor casco insurance for the Greece market with online purchase and 24/7 assistance.
Direct payment
If the repair garage accepts a power of attorney/authorisation, HD Insurance PLC pays the garage directly. Otherwise, the insured pays and is subsequently reimbursed upon presentation of original receipts.
Geographic scope
Greece (mandatory MTPL also covers EU/EEA and Green Card countries; optional/casco covers Greece only)
Optional/casco coverages are valid only within Greek territory. Compulsory third-party liability is valid in Greece, EU member states, EEA countries, and countries whose National Motor Insurers Bureaux are bound by the Consolidated Agreement Section III.
Unique selling points
- Three selectable tiers (Essential, Additional, Own Damages) let customers build up coverage incrementally without switching insurers.
- Policy duration is fully flexible from 30 to 365 days, allowing short-term cover not typically offered by competitors.
- 100% online issuance with instant policy delivery by email, including the Green Card, at no extra charge.
- 12-month interest-free instalment payment available via debit card with no loan or credit requirement.
- Safe Ride Home benefit covers taxi transport up to €30 when the insured cannot drive due to alcohol consumption, available to all policyholders at no extra cost.
Coverage limits
Own Damages (Ιδίες Ζημιές)
Conditional
Covers material damage to the insured vehicle caused by collision, impact, skidding, overturning, or falling off a cliff, regardless of fault, as well as damage sustained during transport exclusively by ship, train, or aircraft. The insured sum equals the current commercial value of the vehicle (per iAD tables). A deductible of €500 to €2,000 applies per claim; a 5% depreciation deductible per year over 5 years applies (max 40%) when new spare parts are used for a vehicle older than 5 years. Deductible may be reduced by 50% at partner garages under applicable conditions. Only included in the Own Damages Cars tier.
Total Loss
Conditional
Total loss (economically or technically unrepairable vehicle) is handled under the Own Damages cover (Own Damages Cars tier) and also under Total Theft (Additional and Own Damages Cars tiers). Indemnity is based on the vehicle's current commercial value at the time of loss per iAD tables, net of any applicable depreciation deductible. For theft-based total loss, the 60-day non-recovery period must elapse before settlement.
Partial Loss / Partial Damage
Conditional
Partial material damage to the vehicle is covered under Own Damages (Own Damages Cars tier). Indemnity includes the value of parts and reinstallation labour. A deductible of €500 to €2,000 applies. Tyre and rim damage is excluded unless concurrent with other covered damage. Non-standard accessories are excluded unless separately approved.
Theft / Robbery (Total and Partial)
Conditional
Total Theft (Ολική Κλοπή): covered in Additional Cars and Own Damages Cars tiers. Total loss of vehicle and non-recovery within 60 days triggers indemnity equal to the current commercial value (per iAD). Police report required immediately; all factory keys must be surrendered. Replacement vehicle (Category A, 1000cc manual) provided for up to 60 days. Partial Theft (Μερική Κλοπή): covered in Additional Cars and Own Damages Cars. Covers theft of parts permanently fixed to the vehicle necessary for its movement, factory audio/GPS (full value), non-factory audio/GPS (up to €100), child seat (up to €100), burglary damage to bodywork and interior. Deductible €75 applies. Visible signs of break-in required.
Glass Breakage (Θραύση Κρυστάλλων)
Optional
Covers breakage of windscreens, perimeter windows and factory-fitted glass sunroof from any external cause. Coverage limit €1,500 per insurance period. Automatically included in Own Damages Cars tier; available as optional add-on in Essential Cars and Additional Cars tiers. No deductible when repaired/replaced by HD partner glaziers (Carglass, Glassdrive, Filis, Glassfit) using their own products. A 25% deductible applies if OEM glass is used at partner glaziers or if a non-partner garage is used. Excluded: mirrors, lights, indicators, non-glass roofs/windows, membranes, sensors, non-manufacturer-spec sunroof mechanisms.
Natural Perils and Weather Events
Conditional
Two separate covers: (1) Natural Disasters (Φυσικές Καταστροφές – mandatory by law): covers flood, storm (rainfall >5 mm/h/cm²), earthquake, and fire from forests/meadows; no deductible; available as optional add-on in Essential Cars only. (2) Natural Phenomena and Hail (Φυσικά Φαινόμενα και Χαλάζι): covers flood, storm (wind force ≥8 Beaufort), hail, storm, typhoon, tornado, earthquake; €300 deductible applies; hail indemnity capped at €2,000; included in Additional Cars and Own Damages Cars tiers. Both covers require a certificate from the National Meteorological Service or competent authority confirming the event; damage must be reported within 8 days.
Malicious Acts / Vandalism (Κακόβουλες Πράξεις)
Conditional
Covers material damage to the vehicle bodywork caused by malicious acts of third parties. A deductible of €300 applies. Excluded: damage caused by persons related to the insured (family, friends, colleagues), damage to fabric/convertible hoods, damage caused by fire (covered under Fire), damage to wing mirrors, and damage to non-standard accessories. Included only in the Own Damages Cars tier.
Roadside Assistance (Οδική Βοήθεια)
Optional
Available as an optional add-on in all tiers (Greece only, or Greece–Europe). Services include on-site repair, battery charging, tyre change, towing to nearest garage, fuel delivery, transport of passengers to home address (>50 km from home), hotel accommodation (up to 3 nights, max €75/person/night, €225/person total), and reimbursement up to €150 if self-organised due to force majeure. Operates 24/7, 365 days a year. Note: Accident Care (Φροντίδα Ατυχήματος), which includes towing following an accident, is included in all tiers at no extra cost via the 24/7 emergency line 212 222 9900.
Replacement Vehicle (Όχημα Αντικατάστασης)
Conditional
Included in Additional Cars and Own Damages Cars tiers. Valid only for private passenger vehicles (Ε.Ι.Χ.). Triggered by total theft (up to 60 days) or fire/arson (up to 20 days following confirmed need for repair). Vehicle provided: Category A, 1000cc, manual gearbox, insured for third-party liability. Fuel costs are not covered. Driver must be aged ≥21 with at least 1 year driving licence. HD Insurance PLC is not liable for delays due to strikes, force majeure or similar events.
Personal Accident – Driver (Προσωπικό Ατύχημα)
Covered
Included in all tiers (Essential Cars, Additional Cars, Own Damages Cars). Covers bodily injury to the driver of the insured vehicle resulting directly from a road traffic accident while driving the insured vehicle, or from an electrical accident while charging the vehicle at an approved charging station (not applicable for motorcycles). Covers death, permanent total disability, and permanent partial disability (up to 70% of insured sum per scale). Maximum insured sum: €15,000. Benefits must manifest within 1 year of the accident. Excluded: pre-existing conditions, driver outside passenger cabin, suicide, cardiac/vascular conditions, mental disorders, radiation effects, and for motorcycles – absence of an approved helmet.
Key conditions
Driver age and experience limit
Minimum driver age is 18 years. Drivers under 25 must be declared at policy inception; an additional premium applies. If an undeclared under-25 driver causes an accident, optional coverages are forfeited and for third-party liability a penalty of 30% of the indemnity paid to the injured party may be claimed back from the insured.
Repair network requirements
The insured may choose any garage. If the garage accepts authorisation, HD pays it directly; otherwise, the insured pays and is reimbursed upon presentation of original invoices. At HD partner garages, a lower deductible (10%) applies compared to non-partner garages (25%) for glass breakage with OEM parts. Pre-repair inspection by an HD appraiser is mandatory; repairing without inspection may result in loss of indemnity entitlement.
Territorial scope
All optional/casco coverages are valid only within Greek territory. Compulsory MTPL covers Greece, EU member states, EEA countries, and countries whose National Bureaux apply the Consolidated Agreement Section III. Roadside Assistance (Greece–Europe option) extends to European Turkey and all European countries including the Balkans, excluding former Soviet Union states.
Anti-theft requirements
For total theft claims, the insured must report the theft to the police immediately and file a formal complaint. All factory keys must be surrendered upon settlement. A certificate of non-recovery from the police is required after 60 days. A declaration from the tax authority (ΔΟΥ) confirming road-tax payment and that the vehicle was declared in prior income tax returns is also required.
Claim notification deadline
Damage must be reported within 7 days of the incident (by calling the 24/7 emergency line 212 222 9900). A late-report penalty of 30% of the third-party indemnity may apply. For natural perils/phenomena, damage must be reported within 8 days. For partial theft, the insured must present a police theft declaration. Pre-repair appraiser inspection by HD is mandatory.
Deductible rules
Own Damages: deductible €500–€2,000 per claim (exact amount stated in the policy schedule). Vehicles over 5 years old: additional depreciation deductible of 5% per year beyond 5 years (max 40%) when new spare parts are used. The deductible can be reduced by 50% at HD partner garages when certain conditions are met (Natural Phenomena, Partial Theft, Malicious Acts or Own Damages cover is triggered and estimated indemnity exceeds the deductible). Natural Phenomena & Hail: €300 deductible (not applicable under Natural Disasters mandatory cover). Hail: additional sub-cap of €2,000. Partial Theft: €75 deductible. Malicious Acts: €300 deductible. Glass (non-partner garage or OEM parts): 25% of total indemnity.
Policy specifics
Own Damages (Casco/Comprehensive)
Optional coverage for damage to own vehicle, excluding certain conditions
Glass Breakage
Coverage for repair or replacement of windshield, side windows, and factory-fitted sunroof
Damages from Uninsured Vehicle
Coverage for damage caused by uninsured vehicle (up to €15,000 or policy insured capital if lower)
Personal Accident
Financial assistance (up to €15,000) if driver becomes permanently partially or totally disabled
Natural Phenomena
Coverage for damage from flood, storm, earthquake, and fire from natural causes in forests/meadows
Legal Protection
Coverage for lawyer fees and legal expenses if criminal prosecution or dispute following accident
Intoxication Transportation Assistance
Coverage of transportation expenses (up to €30) to home address when unable to drive due to alcohol
Policy Duration
Policy can be written for periods ranging from 30 to 365 days
Partner Garage Network
Access to 3,000+ partner garages; lower co-payment (10%) at partner garages vs alternative garages (25%)
Claim Processing
Claims reviewed and processed within timeframe specified by law; advance notification required
Geographic Coverage
Compulsory liability covers Greece, EU member states, EEA countries, and countries with Motor Insurers' Bureau commitments
Cancellation Rights
14-day cooling-off period for full premium refund; anytime cancellation available thereafter with prorated premium return
Payment Methods
Debit card, credit card, prepaid card, PayPal, electronic transaction token, bank cashier, OPAP stores, e-banking, phone banking