NP Ασφαλιστική Casco (own-damage car insurance) (Poseidon25 Triaina)

Coverage for material damage to the insured vehicle from collision, impact, overturning or rollover, including accidents where the insured driver is at fault. Available in packages ΠΟΣΕΙΔΩΝ 25 and ΤΡΙΑΙΝΑ for passenger cars up to 5 years old. Insured capital equals current market value of the vehicle, priced per 1,000 EUR of insured sum. Deductible options: €400, €900, €1,500 or €3,000 per claim; rate per 1,000 EUR of insured sum at B/M 1-4 is €21.20 (€400 deductible), €20.00 (€900), €16.50 (€1,500), €14.30 (€3,000) for ΠΟΣΕΙΔΩΝ 25 and ΤΡΙΑΙΝΑ. ΤΡΙΑΙΝΑ also includes own damage during vehicle transport and from malicious acts.

Total loss is settled under the own-damage (Ίδιες Ζημιές) coverage at the insured vehicle's current market value at time of loss. Insured capital must represent the current commercial value of the vehicle. No separate total-loss sub-limit is stated; compensation equals the insured sum minus any applicable deductible.

Partial own-damage losses are covered under the Ίδιες Ζημιές coverage, subject to the chosen deductible (€400, €900, €1,500 or €3,000). Insurer pays the repair cost exceeding the deductible up to the insured vehicle's market value.

Total theft coverage available from package ΠΗΓΑΣΟΣ 1 onwards; partial theft (with €150–€200 deductible) available from ΠΗΓΑΣΟΣ 2 / ΝΕΟΣ ΠΟΣΕΙΔΩΝ onwards. In ΠΟΣΕΙΔΩΝ 25 and ΤΡΙΑΙΝΑ, combined total and partial theft rate is priced per 1,000 EUR of insured sum: EIX/agricultural at €10.30 per 1,000 EUR, FIX at €12.00 per 1,000 EUR. Partial theft deductible is €200 (ΠΟΣΕΙΔΩΝ 25) or €150 (ΤΡΙΑΙΝΑ). Minimum insured capital €3,000. Convertible vehicles (cabrio) only covered if they have a hard roof.

Covers breakage of vehicle glass (windscreen, windows). Per the insurer's current product page, the coverage ceiling is up to €1,200 in the packages where this benefit is offered. Exclusions: sunroof, headlights, mirrors and indicators are not covered.

Coverage for material damage caused by weather events (storm, flood, etc.), excluding hail. Available in packages ΝΕΟΣ ΠΟΣΕΙΔΩΝ, ΠΟΣΕΙΔΩΝ 25, and ΤΡΙΑΙΝΑ. Standalone rate: €4.11 per 1,000 EUR of insured sum for EIX/agricultural vehicles; €8.10 for FIX. Hail (χαλαζόπτωση) is explicitly excluded. Insured capital equals current market value of vehicle.

Coverage for own-vehicle damage caused by malicious acts (vandalism) by third parties. Available in ΠΟΣΕΙΔΩΝ 25 and ΤΡΙΑΙΝΑ packages. In ΠΟΣΕΙΔΩΝ 25: deductible €300. In ΤΡΙΑΙΝΑ: deductible €300. Standalone rate: €3.00 per 1,000 EUR of insured sum. Fire from arson (Μετάδοση Πυρκαγιάς – Εμπρησμός) is separately listed in ΤΡΙΑΙΝΑ.

Two levels of roadside assistance are provided: (1) Roadside Assistance following an Accident (Οδική Βοήθεια Ατυχήματος) – included at no extra cost in all packages including ΒΑΣΙΚΟ ΠΑΚΕΤΟ; covers towing and on-site assistance following a road accident. (2) Full Roadside Assistance (Οδική Βοήθεια) – optional annual add-on; €50/year for vehicles up to 10 years old, €60/year for vehicles over 10 years old. Both services limited to EIX, FIX, FIX-AGRICULTURAL vehicles with maximum gross weight 3,500 kg, wheelbase up to 3.5 m, height up to 3.0 m, without rear dual wheels. 24-hour availability, 365 days per year.

Replacement vehicle cover is listed among NP's motor packages as 'Αντικατάσταση του Οχήματος συνεπεία Πυρκαγιάς – Κλοπής – Ιδίων Ζημιών' (vehicle replacement following fire, theft or own-damage), available where the vehicle is insured for those risks and is immobilised as a result. The insurer's current product page shows this coverage line but does not state the daily rental amount or the maximum number of days.