Extracted from source documents

Interamerican Casco (own-damage car insurance) (Casco Total)

Underwritten by ΙΝΤΕΡΑΜΕΡΙΚΑΝ ΕΛΛΗΝΙΚΗ ΕΤΑΙΡΙΑ ΑΣΦΑΛΙΣΕΩΝ ΖΗΜΙΩΝ ΜΟΝΟΠΡΟΣΩΠΗ Α.Ε. · Greece

casco (own-damage car insurance) from Interamerican for the Greece market, with online purchase and 24/7 assistance.

Verified Aug 13, 2026 · Terms dated 2021-01-01Sources

Online purchase24/7 helpline

Unique selling points

Total theft compensation paid after just 30 days from the police complaint — faster than the typical market standard — with no additional anti-theft device requirement.

Legal protection with unlimited monetary coverage in Greece (€3,000 cap applies only outside Greece in the EU/EEA), covering lawyer fees, court costs and contractual vehicle disputes.

Natural perils (including hail, flood, earthquake) covered with zero deductible, and glass damage repaired at 600+ partner locations with no deductible and direct insurer payment.

Own roadside assistance infrastructure with 111 service stations, 220 owned vehicles and 350 specialist staff across Greece, available 24/7 on 1158, offering repatriation, hotel cover and return travel expenses.

Value Guarantee clause: for vehicles stolen or totally destroyed within the first 2 years of registration, the full insured sum is paid without applying current-market-value depreciation.

Coverage limits

Covered

Own Damage (Collision, Overturning, Malicious Acts)

100% of insured sum

Covers damage to the insured vehicle caused exclusively by collision, impact, skidding, overturning, fall, and direct malicious acts by third parties (vandalism/sabotage). Also covers damage occurring during transport on a coastal ferry or roadside assistance vehicle. Maximum liability is the current market value of the vehicle, subject to the insured coverage limit stated in the policy schedule. A deductible applies per Article 5 and is stated in the individual policy schedule. Parts depreciation of 5% per year applies from year 3 of the vehicle's age, up to a maximum of 40%.

Clause Άρθρο 29Page 31

Section: Ειδικοί όροι ασφάλισης αυτοκινήτου > Άρθρο 29 Ίδιες ζημιές & Κακόβουλες ενέργειες

Η Εταιρία καλύπτει τις ζημιές του ασφαλισμένου αυτοκινήτου που προκαλούνται αποκλειστικά και μόνο από σύγκρουση, πρόσκρουση, εκτροπή, ανατροπή, πτώση και άμεσα από κακόβουλη ενέργεια τρίτων.

Covered

Total Loss / Total Destruction

100% of insured sum

In the event of total loss (e.g. from own damage, fire, or theft), the company pays the difference between the current market value of the vehicle at the time of loss and the value of any salvage. The maximum is capped at the insured sum in the policy schedule. For vehicles that are stolen or totally destroyed within the first two years from the date of first international registration, the 'Εγγύηση αξίας' (Value Guarantee) clause applies: the full insured amount is paid without investigation of current market value, minus salvage.

Clause Άρθρο 14Page 16

Section: Γενικοί όροι ασφάλισης αυτοκινήτου > Άρθρο 14 Πώς υπολογίζεται και πώς καταβάλλεται η αποζημίωση στις προαιρετικές καλύψεις;

Σε περίπτωση ολικής κλοπής ή ολικής καταστροφής η Εταιρία θα καταβάλλει τη διαφορά μεταξύ της τρέχουσας αξίας του αυτοκινήτου κατά το χρόνο πρόκλησης της ζημιάς ή απώλειας και της αξίας των διασωθέντων υπολειμμάτων – σώστρα (αν υπάρχει).

Covered

Partial Loss (Own Damage — Partial)

100% of insured sum

Partial damage to the insured vehicle from collision, impact, skidding, overturning, fall or malicious acts is covered up to the cost of repair. Compensation is calculated on the basis of the current market value of parts at the time of the accident, taking into account wear and age. A deductible per the policy schedule applies. Parts depreciation (5% per year from year 3, max 40%) applies to spare parts replaced with new/genuine ones.

Covered

Total and Partial Theft

100% of insured sum

Total theft: covers the total loss of the stolen vehicle. Compensation obligation begins 30 days after the filing of a criminal complaint with the police and written notification to the company (within 8 calendar days of discovering the loss). The company may request original vehicle keys, tax declarations, and notarial powers of attorney as conditions for payment. If the vehicle is recovered after compensation has been paid, the insurer acquires ownership. Partial theft: covers theft of firmly attached parts/components essential to the vehicle's operation; interior electronics (audio, navigation, telecom devices firmly fitted) up to €500 per policy period; replacement of keys/locks up to €150 per policy period; body damage caused during the theft attempt. Damage to a soft/fabric convertible roof carries a €300 deductible. Stolen or lost original factory keys are covered. Exclusions: spare tyres and tyre covers, windshield wiper blades.

Clause Άρθρο 25Page 25

Section: Ειδικοί όροι ασφάλισης αυτοκινήτου > Άρθρο 25 Ολική & Μερική κλοπή > Α. Ολική Κλοπή

Καλύπτεται η ολική απώλεια του ασφαλισμένου οχήματος, που έχει κλαπεί. 1. Η Εταιρία έχει την υποχρέωση να καλύψει τον Ασφαλισμένο με την προϋπόθεση ότι η απώλεια δηλώθηκε αμέσως στην Αστυνομική Αρχή.

Optional · Άρθρο 23 Θραύση Κρυστάλλων

Glass Breakage

€1.5K

Covers damage to the vehicle's glass (windscreen, windows, glass roofs) resulting from breakage of any cause, including the cost of parts and replacement/repair labour. Also covers integrated membranes and rain sensors when replacement is required following a covered glass breakage. Cover is provided only when the glass is repaired or replaced at an Interamerican partner company or workshop (600+ locations across Greece); when using a partner, no deductible applies and payment is made directly by the insurer. The coverage limit is the aggregate set out in the policy schedule for the entire insurance period. Exclusions: lights, mirrors, indicators; plastic/perspex windows or sunroofs; glass on open-top (cabrio) vehicles integrally connected to the roof where the roof must be replaced simultaneously; glass replacement in the event of total destruction of the vehicle.

Section: Θραύση Κρυστάλλων (Πρόσθετη)

Καλύπτουμε όσες ζημιές κι αν προκύψουν έως €1.500 συνολικά για τη διάρκεια του συμβολαίου.

Covered

Natural Perils

100% of insured sum

Covers damage caused directly to the insured vehicle by storm, gale, flood, hail, snow, typhoon, windstorm, volcanic eruption, earthquake, and subsidence or landslide caused only by earthquake. Also covers damage from falling trees, poles or other fixed structures due to these natural phenomena, subject to on-site recording by an Interamerican representative after notification to the 1158 call centre. Proof of weather conditions from the Hellenic Meteorological Service (EMY) is required for payment. No deductible applies. Exclusions: damage from falling or transport of unsecured objects; mechanical faults; any damage caused by frost.

Clause Άρθρο 26Page 28

Section: Ειδικοί όροι ασφάλισης αυτοκινήτου > Άρθρο 26 Φυσικά φαινόμενα

Καλύπτονται οι ζημιές που προκαλούνται στο ασφαλισμένο όχημα άμεσα από καταιγίδα, θύελλα, πλημμύρα, χαλάζι, χιόνι, τυφώνα, λαίλαπα, ανεμοθύελλα, έκρηξη ηφαιστείου, σεισμό, καθώς και από καθίζηση ή κατολίσθηση που προέρχεται μόνο από σεισμό.

Covered

Malicious Acts / Vandalism

100% of insured sum

Malicious acts by third parties (vandalism or sabotage) are covered under the 'Ίδιες ζημιές & Κακόβουλες ενέργειες' article, provided the damage was not caused during strikes, riots, civil disturbances, terrorist acts or general public disorder. A deductible per the policy schedule applies. Exclusions: non-standard accessories/equipment; damage while the vehicle was in the possession of a thief; damage due to poor maintenance; tyre damage not concurrent with other covered damage.

Clause Άρθρο 29Page 31

Section: Ειδικοί όροι ασφάλισης αυτοκινήτου > Άρθρο 29 Ίδιες ζημιές & Κακόβουλες ενέργειες

Κακόβουλη ενέργεια τρίτων θεωρείται η πρόκληση ζημιών στο ασφαλισμένο όχημα από τρίτα πρόσωπα, με αποκλειστικό στόχο το βανδαλισμό ή τη δολιοφθορά, με την προϋπόθεση ότι οι ζημιές αυτές δεν προκλήθηκαν κατά τη διάρκεια στάσεων, απεργιών, οχλαγωγιών, πολιτικών ταραχών, τρομοκρατικών ενεργειών και διατάραξης της δημόσιας τάξης γενικά.

Optional · Κάλυψη Οδικής Βοήθειας — Γενικοί και Ειδικοί Όροι, Άρθρα 1–20 Κάλυψης Οδικής Βοήθειας

Roadside Assistance

Optional

24/7 roadside assistance (call 1158) covering: on-site repair; towing to nearest local workshop when on-site repair is not possible; hotel accommodation expenses (up to €75 total) when immobilised more than 60 km from home and repair cannot be completed same day; internal repatriation of the vehicle to home city when repair requires more than 2 days; return travel expenses (up to €100) when internal repatriation is activated; fuel delivery; key lockout assistance. The cash reimbursement ceiling for out-of-network towing is €150. Coverage extends to Greece and across all EU member states (except Malta) plus Switzerland, Norway, Bosnia, Croatia, Serbia and North Macedonia; excludes Albania and the Asian part of Turkey. Provided by ΙΝΤΕΡΑΜΕΡΙΚΑΝ ΒΟΗΘΕΙΑΣ ΜΟΝΟΠΡΟΣΩΠΗ ΑΝΩΝΥΜΟΣ ΕΤΑΙΡΙΑ ΓΕΝΙΚΩΝ ΑΣΦΑΛΙΣΕΩΝ (AFM 094355007).

Section: Οδική Βοήθεια (Πρόσθετη)

Μπορείτε να προσθέσετε καλύψεις, όπως τη Νομική Προστασία, την Οδική Βοήθεια, Θραύση Κρυστάλλων κ.α.

Covered

Replacement / Hire Vehicle

Covered

A replacement hire car (up to 1,200cc, manual gearbox) is provided when the insured vehicle is temporarily or totally lost due to a repair exceeding 2 days. Duration: up to 20 days (after a 5-day waiting period from the day after the accident) for fire, own damage/malicious acts, or partial theft — no waiting period in case of total destruction. Up to 30 days (starting the day after the police complaint is filed or written declaration to the company, whichever is later) for total theft; provision stops the day the stolen vehicle is recovered. Only actual repair days count, not waiting days at the workshop. Fuel costs, optional insurance premiums for the hire car and administrative fines are excluded.

Clause Άρθρο 28Page 30

Section: Ειδικοί όροι ασφάλισης αυτοκινήτου > Άρθρο 28 Ενοικίαση Οχήματος

Σε περίπτωση ολικής απώλειας ή προσωρινής απώλειας του αυτοκινήτου, λόγω επισκευής που θα υπερβαίνει τις δύο (2) μέρες, η Εταιρία θα παρέχει στον Ασφαλισμένο ενοικιαζόμενο αυτοκίνητο μέχρι 1.200 c.c., με χειροκίνητο κιβώτιο ταχυτήτων.

Covered

Driver Personal Accident

Covered

Covers the driver of the insured vehicle for accidents occurring exclusively while driving, or while boarding/alighting the vehicle. Benefits include: death (sum insured paid to legal heirs); permanent total disability (full sum insured); permanent partial disability (percentage of the sum insured per the legal table of permanent partial disability percentages). The accident must be the proven, direct, sole and independent cause. Death or total disability must occur within 1 year of the accident. Coverage amount is stated in the individual policy schedule. Applicable to all programs. If the driver is under 23 years old or holds a licence obtained in the last 12 months and this was not declared, the company pays only 2/3 of the indemnity due.

Clause Άρθρο 2Page 72

Section: Προσωπικό Ατύχημα Οδηγού > Άρθρο 2 Ποιο είναι το αντικείμενο ασφάλισης;

Καλύπτεται το ατύχημα που θα υποστεί ο οδηγός του οχήματος, το οποίο αναγράφεται στο Ασφαλιστήριο, κατά τη διάρκεια ισχύος της ασφάλισης. Το ατύχημα καλύπτεται εφόσον συμβεί αποκλειστικά και μόνο κατά τη διάρκεια της οδήγησης του αυτοκινήτου, καθώς και της επιβίβασης σε αυτό και αποβίβασης από αυτό του οδηγού.

Key conditions

Driver age and experience limit

The policyholder/insured must declare at inception and throughout the policy term whether any driver under 23 years of age, or any driver who obtained their licence for the first time within the last 12 months ('New Driver'), will drive the insured vehicle. An additional premium (surcharge) applies: 60% if the driver is both under 23 and within their first 12 months of holding a licence; 40% if under 23 only (licence held over 12 months); 20% if over 23 but within first 12 months of licence. Failure to declare triggers a right of recourse: 75% of total indemnity for the combined case, 50% for age under 23 only, 25% for first-year licence only. Under the Personal Accident cover, only 2/3 of indemnity is payable if the undeclared driver condition applies.

Repair network requirements

When using an Interamerican Car Point partner workshop for covered repairs, the insured pays only any applicable deductible directly to the workshop; the insurer pays the repair cost directly (no cash outlay beyond the deductible). For glass damage, coverage is provided only when repaired at a partner company or workshop (600+ locations); no deductible applies at partner locations and payment is made directly by the insurer. For all other optional coverage claims, the insured must make the vehicle available to the insurer for expert inspection within 5 working days of notification; the insured may not carry out repairs themselves before that deadline expires.

Anti-theft requirements

No specific anti-theft device is required as a condition of cover in the policy terms. However, for total theft claims the insured must immediately report the theft to the police and file a criminal complaint; submit written notification to the company within 8 calendar days of discovering the loss; provide the original (factory) vehicle keys; provide a notarial pre-agreement and irrevocable power of attorney to allow the company to sell the recovered vehicle. Compensation is paid only after 30 days from the date the criminal complaint was filed and the loss was reported to the company.

Claim notification deadline

The insured must notify the company in writing immediately and without culpable delay, no later than: 8 working days from the date of knowledge of the loss-causing event for third-party liability claims; 8 calendar days from the date of knowledge of the loss for optional coverage claims. For roadside assistance: notification must occur within 8 days of the incident. For personal accident: written notification within 8 working days. For total theft: written notification within 8 calendar days of discovering the loss. Failure to comply with these deadlines may result in reduction of indemnity or loss of claim rights under applicable law.

Deductible rules

Own damage & malicious acts: deductible EUR 350 at an Interamerican partner garage or EUR 600 at a garage of the insured's choice. No deductible applies to: fire, natural perils, terrorist acts/disturbances. For glass damage repaired at an Interamerican partner location, no deductible applies; if not repaired at a partner, the terms do not provide cover (partner-only condition). For partial theft: a €300 deductible applies if the damage concerns a soft/fabric convertible roof. For total theft/total loss compensation, the insurer deducts the value of salvage from the current market value. After a claim payment, the coverage limit is reduced by the amount paid; the insured may reinstate full coverage by paying an additional premium.

Source

Section: Ίδιες ζημιές & Κακόβουλες ενέργειες

Το ποσό απαλλαγής, δηλαδή η συμμετοχή σας στο κόστος αποκατάστασης της ζημιάς είναι μόνο €350 σε Συνεργαζόμενο συνεργείο της Interamerican σε όλη την Ελλάδα ή €600 σε συνεργείο της επιλογής σας.

Direct payment

Interamerican operates its own repair network (Car Point). When the vehicle is repaired at a partner Car Point workshop, the insured pays only any applicable deductible directly to the workshop; Interamerican pays the repair cost directly. For glass damage repaired at a partner location (600+ sites), payment is made directly by the insurer with no deductible.

Territorial scope

Optional coverages (own damage, fire, theft, glass, natural perils, vandalism, replacement vehicle) apply within the Greek territory only. Third-party liability applies across the EU/EEA and other countries signatory to the Multilateral Guarantee Agreement.

Documents

Policy specifics

Full theft coverage with 30-day delay

Full comprehensive theft coverage is provided only after 30 days from the date the vehicle is reported stolen

Source

Θα καταβάλουμε την αποζημίωση μετά από 30 μόνο μέρες από την ημερομηνία δήλωσης της κλοπής στην Εταιρία μας και της υποβολής μήνυσης κατ΄ αγνώστων στην Αστυνομία, εφόσον το όχημά σας δεν έχει βρεθεί από τις αρμόδιες αρχές.

No deductible, except for Own Damage and the fabric roof under partial theft

Compensation without deductible, except for Own Damage and damage to a fabric convertible roof under partial theft

Source

Αποζημίωση χωρίς ποσό απαλλαγής (εκτός από τις Ίδιες Ζημιές & την υφασμάτινη οροφή στη μερική κλοπή)

Legal protection with unlimited coverage limit in Greece

Legal protection coverage provided with no upper limit for claims in Greece

Source

Η Νομική προστασία παρέχεται στην Ελλάδα με απεριόριστο όριο κάλυψης, αλλά και στις χώρες του Ενιαίου Ευρωπαϊκού Οικονομικού Χώρου (ανεξαρτήτως νομίσματος) μέχρι €3.000 τον χρόνο.

24/7 Roadside Assistance via 1158 hotline

Access to Interamerican's 24/7 roadside assistance service available through phone number 1158

Source

Τα προγράμματα αυτοκινήτου της Interamerican εξασφαλίζουν υψηλή ποιότητα σε καλύψεις με προσιτά ασφάλιστρα. Σας δίνουν πρόσβαση σε μοναδικές υπηρεσίες, όπως η Οδική Βοήθεια 1158, το Drive On app, το my interamerican, αλλά κι ένα ευρύ και αξιόπιστο δίκτυο επισκευής οχημάτων.

Total theft compensation: 30-day waiting period after police complaint

The company's obligation to compensate for total theft begins only after 30 days have elapsed from the date the criminal complaint was filed with the police AND the loss was reported in writing to the company. The insured must report the loss to the company within 8 calendar days of discovering it. Compensation is payable once the insured provides proof that the complaint is still pending and the vehicle has not been found.

SourceClause Άρθρο 25Page 26

Section: Ειδικοί όροι ασφάλισης αυτοκινήτου > Άρθρο 25 Ολική & Μερική κλοπή > Α. Ολική Κλοπή

Η αποζημίωση καταβάλλεται εφόσον ο Λήπτης της ασφάλισης ή/και ο Ασφαλισμένος προσκομίσει βεβαίωση ότι η μήνυση εκκρεμεί ακόμη και δεν προκύπτει από αλλού ότι το αυτοκίνητο βρέθηκε, μέσα στην παραπάνω προθεσμία.

Own damage carries a deductible; no deductible for fire/natural perils/terrorism

Compensation for own damage (ίδιες ζημιές & κακόβουλες ενέργειες) is subject to a deductible per the policy schedule (described on the official website as a 'very small deductible'). In contrast, fire, natural perils and terrorist acts/disturbances carry no deductible. For partial theft of a soft/fabric convertible roof, a specific €300 deductible applies.

Source

Το ποσό απαλλαγής, δηλαδή η συμμετοχή σας στο κόστος αποκατάστασης της ζημιάς είναι μόνο €350 σε Συνεργαζόμενο συνεργείο της Interamerican σε όλη την Ελλάδα ή €600 σε συνεργείο της επιλογής σας. Ζημιές που θα υποστεί η κουκούλα κατά την προσπάθεια της κλοπής για οχήματα ανοικτού τύπου (cabrio) με απαλλαγή €300 στο σύνολο της αποζημίωσης.

Legal protection with unlimited coverage limit in Greece

Legal protection coverage is provided with no upper monetary limit for claims in Greece. Outside Greece (EU/EEA), the maximum coverage limit is €3,000 per year. The service covers lawyer's fees, court costs, witness/expert fees and extrajudicial expert opinions. Legal disputes relating to vehicle-related contracts concluded during the policy period are also covered ('Νομική Προστασία ενοχικών συμβάσεων οχήματος').

SourceClause Άρθρο 1Page 65

Section: Κάλυψη Νομικής Προστασίας > Γενικοί όροι κάλυψης > Άρθρο 1 Τι περιλαμβάνει η κάλυψη της Νομικής Προστασίας;

ε) Το ανώτατο όριο κάλυψης εκτός Ελλάδας είναι €3.000.

Value Guarantee for new vehicles (first 2 years)

For new vehicles up to 11 months old when insured: if the vehicle is stolen or totally destroyed within the first 2 years from the date of its first international registration, and the damage is covered by the policy, the company pays the full insured amount without investigating the current market value, deducting only the value of any salvage.

Source

Section: Εγγύηση Αξίας

Η κάλυψη ισχύει για νέα οχήματα, έως και 11 μηνών.

New driver notification requirement

The insured must inform the insurer if the vehicle is driven by a person under 25 years old

Source

Immediate accident notification requirement

The insured must notify the insurer as soon as practically possible of any accident or incident covered by the policy

SourceClause Άρθρο 11Page 11

Section: Γενικοί όροι ασφάλισης αυτοκινήτου > Άρθρο 11 Ποιες υποχρεώσεις έχει ο Λήπτης ασφάλισης ή/και ο Ασφαλισμένος; > 2. Μετά από ζημιά

Να ειδοποιήσει την Εταιρία, εγγράφως άμεσα, χωρίς υπαίτια καθυστέρηση και το αργότερο μέσα σε οκτώ (8) εργάσιμες μέρες από τότε που έλαβε γνώση για το ζημιογόνο γεγονός, σε περίπτωση ζημιάς αστικής ευθύνης και οκτώ (8) ημερολογιακές μέρες για ζημιά προαιρετικής κάλυψης.

New driver notification requirement (under 23 years or first-year licence)

The policyholder/insured must notify the company if any driver under 23 years of age or any driver who obtained their driving licence for the first time within the last 12 months will drive the insured vehicle, both at inception and during the policy term. Failure to declare triggers surcharges and a right of recourse by the company against the policyholder, insured and driver.

SourceClause Άρθρο 13Page 14

Section: Γενικοί όροι ασφάλισης αυτοκινήτου > Άρθρο 13 Τι ισχύει σε περίπτωση νέου οδηγού;

Ο Λήπτης της ασφάλισης ή/και ο Ασφαλισμένος έχει την υποχρέωση, κατά τη σύναψη του Ασφαλιστηρίου συμβολαίου, να δηλώσει στην Εταιρία, αν άτομο με ηλικία μικρότερη από 23 ετών ή άτομο που απέκτησε για πρώτη φορά άδεια ικανότητας οδήγησης, μέσα στο τελευταίο δωδεκάμηνο (Νέος Οδηγός), πρόκειται να οδηγούν το ασφαλισμένο όχημα, έτσι ώστε η Εταιρία να υπολογίσει και να εισπράξει πρόσθετο ασφάλιστρο (επασφάλιστρο).

Claim notification deadline: 8 working days (MTPL) / 8 calendar days (optional covers)

After a loss, the policyholder/insured must notify the company in writing immediately and without culpable delay, at the latest within 8 working days of learning of the loss-causing event for third-party liability claims, and within 8 calendar days for optional coverage claims. Failure to comply with this obligation may result in reduction of compensation in proportion to any prejudice suffered by the company.

SourceClause Άρθρο 11Page 11

Section: Γενικοί όροι ασφάλισης αυτοκινήτου > Άρθρο 11 Ποιες υποχρεώσεις έχει ο Λήπτης ασφάλισης ή/και ο Ασφαλισμένος; > 2. Μετά από ζημιά

Να ειδοποιήσει την Εταιρία, εγγράφως άμεσα, χωρίς υπαίτια καθυστέρηση και το αργότερο μέσα σε οκτώ (8) εργάσιμες μέρες από τότε που έλαβε γνώση για το ζημιογόνο γεγονός, σε περίπτωση ζημιάς αστικής ευθύνης και οκτώ (8) ημερολογιακές μέρες για ζημιά προαιρετικής κάλυψης.

Sources

Interamerican Casco (own-damage car insurance)