Interasco Casco (own-damage car insurance) (Easy Drive)

Covers damage to the insured vehicle resulting exclusively from collision, impact, skidding, overturning or falling. Cover is at the current market value of the vehicle at the time of loss, less depreciation. A deductible applies per accident: €450 for vehicles with insured value up to a certain threshold, €600 for mid-range, €1,500 for higher-value vehicles, as stated in the IPID restrictions. Damage due to poor maintenance or manufacturer defect is excluded. Cover is included only in the Easy Drive Platinum tier; not available in Basic or Gold.

Total loss (where repair cost exceeds current market value) is handled under own-damage (Ίδιες Ζημίες) in the Platinum tier and under fire and theft coverages in Gold and Platinum tiers. When the compensation amount equals the vehicle's insured value, the policy sum is reduced accordingly for the remaining period. A Guaranteed Value (Εγγύηση Αξίας) add-on is available for brand-new vehicles (up to €50,000 value, within first 2 years, first owner) in the Platinum tier, paying the original invoice price rather than depreciated market value.

Partial loss from collision falls under own-damage (Platinum tier only). Partial theft (theft of parts firmly attached to the body and necessary for the vehicle's operation, plus bodywork damage during the theft attempt) is covered in Gold and Platinum tiers. Deductible for partial theft: €450. Stolen additional accessories (e.g. stereo/CD firmly attached) capped at €400 per item.

Covers total loss of the insured vehicle due to theft at its real market value on the day of loss, subject to Art. 17 of Law 2496/97 on under/over-insurance. Compensation is payable only after 45 days from the filing of the police report, provided the vehicle has not been recovered within that period. The insurer may request a notarial power of attorney from the owner. Coverage available in Easy Drive Gold and Easy Drive Platinum tiers only; not in Basic. Vehicle must be up to 15 years old.

Covers damage from any external cause, including theft attempt, to the front and rear windscreens and side windows of the insured vehicle, up to a maximum of €1,000 per claim. Compensation includes the purchase price and installation costs of new glass plus cleaning of broken fragments, and also covers necessary sensors when glass replacement requires it (per the Nov 2022 T&C update). A deductible of €60 applies if the repair is not carried out at a partner repair facility; no deductible when using a partner shop. Lamps, turn signal lenses, mirrors, panoramic glass roofs, sunroofs, and any window made from synthetic (non-glass) material are excluded. After compensation the cover ceases for the replaced glass unless additional premium is paid. Available as an optional add-on in Easy Drive Basic and Easy Drive Gold; included as standard in Easy Drive Platinum.

Covers damage directly and demonstrably caused only by storm, thunderstorm, flooding, hail, snow, typhoon, gale, windstorm, volcanic eruption, earthquake, or other phenomena determined by competent state authorities. Mechanical damage from frost is specifically excluded. Deductible: €0, €200, or €400 per event depending on the policy schedule. Included as standard in Easy Drive Platinum; available as optional add-on in Easy Drive Gold; not available in Easy Drive Basic.

Covers damage (not from fire or explosion) to the insured vehicle caused by malicious acts of third parties (vandalism or sabotage), subject to a deductible of €400 per event. The vehicle hood (κουκούλα) is specifically excluded. Coverage applies within Greece only. Available as optional in Easy Drive Gold and included as standard in Easy Drive Platinum (where the IPID lists it as included under own-damage/malicious acts). Not available in Easy Drive Basic.

Available as an optional add-on (extra premium) across all three tiers (Basic, Gold, Platinum). Provides 24/7 roadside and travel assistance via Mondial Assistance (tel. +30 2111099890) covering breakdown, accident, flat tyre, fuel shortage, key lockout, vandalism, natural perils, and fire. Includes on-site repair attempt, vehicle towing/transfer to a workshop of the insured's choice anywhere in Greece (or to the nearest workshop abroad), up to 3 days of vehicle storage, hotel costs for stranded passengers (up to 3 nights, €75/person/night, max €225 total), passenger travel back home or to destination, and repatriation from abroad. For breakdown immobilisation due to mechanical/electrical fault or battery discharge, on-site repair is first attempted. Only one transfer per incident. Road assistance for accident towing is included in all packages (Φροντίδα Ατυχήματος & Ρυμούλκηση συνεπεία Φροντίδας Ατυχήματος) at no extra charge via the same provider.

Provides a replacement vehicle (up to 1600cc, via Mondial Assistance / AWP P&C S.A.) in the event of total loss due to fire or total theft of the insured vehicle. Duration: up to 45 days for fire damage (or until repair completion if sooner) and up to 45 days for total theft (or until vehicle recovery, whichever is earlier). The insured must hold a valid driving licence for at least 1 year, be at least 23 years old, and have a credit card or pay a cash deposit. Fuel costs are borne by the insured. Available in Easy Drive Gold and Easy Drive Platinum tiers; not in Easy Drive Basic. The vehicle must be covered for fire and/or total theft in the respective tier.