Prime Insurance Company Limited – Branch Greece
Prime Insurance
Prime Insurance is a motor casco insurance for the Greece market with no online purchase and 24/7 assistance.
Direct payment
Claims are handled through the dedicated claims department. Roadside assistance and accident care are available 24/7 via line 212 212 7999 in partnership with Europ Assistance. Glass damage restoration is handled via a dedicated service line (212 212 7809). Direct payment arrangements are subject to specific policy terms.
Geographic scope
Greece
Primary coverage in Greece; extension of third-party liability and supplementary coverages to EU/EEA countries included as standard across all tiers. Countries outside EU/EEA require a Green Card.
Unique selling points
- 24/7 accident care and roadside assistance hotline operated in partnership with Europ Assistance, available to all policyholders at no extra cost via dedicated line 212 212 7999.
- Dedicated 24-hour glass restoration service via partner FILIS GLASS (line 212 212 7809) enabling rapid repair without requiring a full claims process for glass breakage.
- Tiered product line AUTO ECONOMY, AUTO BASIC, AUTO PLUS, AUTO FULL allows customers to choose coverage depth from basic MTPL to comprehensive own-damage casco within a single standardized product family.
- Privilege Club Card included at no additional cost with every Prime Insurance policy, providing access to a range of services and benefits through partner providers.
- Glass breakage coverage in AUTO PLUS and AUTO FULL is proportional to vehicle value at 10% of insured sum (minimum EUR 1,000, maximum EUR 3,000), offering higher-value vehicles meaningfully more protection than a fixed low cap.
Coverage limits
Own Damage (Idies Zimies)
Conditional
Own damage from collision, swerving, rollover, fall, and during transport on trains or ferries is a basic inclusion in AUTO FULL only. Own damage from terrorist acts, civil unrest, and malicious acts (excluding fire/explosion) is a basic inclusion in AUTO PLUS and AUTO FULL. Compensation is based on the agreed insured vehicle value, reduced by 1% per month. AUTO ECONOMY and AUTO BASIC do not include casco own-damage coverages.
Total Loss
Conditional
Total loss from own damage (collision, rollover) is covered in AUTO FULL as part of own damage coverage. Total theft of the vehicle is available as an optional add-on in AUTO PLUS and AUTO FULL. Compensation equals the current insured vehicle value subject to 1% monthly depreciation.
Partial Loss / Partial Theft
Optional
Partial theft (theft of essential components or non-fixed accessories and resulting bodywork damage during theft attempt) is available as an optional add-on in AUTO PLUS and AUTO FULL. Partial own damage from collision not resulting in total loss is covered in AUTO FULL as part of the own damage inclusion.
Theft - Total and Partial
Optional
Total theft and vehicle damage during theft attempt are optional add-ons in AUTO PLUS and AUTO FULL. Partial theft of non-fixed accessories is also optionally available. Compensation for total theft equals the current insured vehicle value reduced by 1% per month. Not available in AUTO ECONOMY or AUTO BASIC.
Glass Damage
Conditional
Glass breakage and factory-fitted sunroof damage is a basic inclusion in AUTO PLUS and AUTO FULL, calculated at 10% of the vehicle insured value with a minimum of EUR 1,000 and a maximum of EUR 3,000. In AUTO ECONOMY and AUTO BASIC it is an optional add-on capped at EUR 1,000. A dedicated 24-hour glass restoration service is available via line 212 212 7809 through partner FILIS GLASS.
Natural Perils
Optional
Own damage from storm, flood, hail, snowfall, and rainstorm is an optional add-on in AUTO PLUS and AUTO FULL. Own damage from earthquake and volcanic eruption is a basic inclusion in AUTO PLUS and AUTO FULL. No natural perils coverage is available in AUTO ECONOMY or AUTO BASIC.
Vandalism and Malicious Acts
Conditional
Own damage from terrorist acts, civil unrest, and malicious acts (excluding fire/explosion) is a basic inclusion in AUTO PLUS and AUTO FULL. Fire and explosion resulting from terrorist acts, civil unrest, and malicious acts are also a basic inclusion in AUTO PLUS and AUTO FULL. Not covered in AUTO ECONOMY or AUTO BASIC.
Roadside Assistance
Optional
24-hour roadside assistance is an optional add-on across all tiers (AUTO ECONOMY, AUTO BASIC, AUTO PLUS, AUTO FULL), provided in partnership with Europ Assistance via dedicated line 212 212 7999. Not a base inclusion in any tier.
Replacement Vehicle
Not offered
No replacement vehicle coverage was identified in any tier of the Asfaleia En Kinisei product line from the available verified sources. This field is not found pending access to the full T&C PDF.
Driver Personal Accident
Covered
Driver personal accident cover for death and permanent total disability at EUR 15,000 is a basic inclusion in AUTO BASIC and AUTO PLUS. Coverage status in AUTO ECONOMY and AUTO FULL was not explicitly confirmed from available sources.
Key conditions
Driver age and experience limit
Driver age and driving experience are used as explicit pricing/rating factors by Prime Insurance Greece (affecting premium calculation), but no specific minimum driver age or hard exclusion limit for casco coverage has been identified in publicly available sources. Age-related premium loadings apply per the insurer's own tariff.
Repair network requirements
Repairs are coordinated through Prime Insurance partner workshops (Synergadzomena Synergeia Episkeyis Ohimaton) accessible via the central service line 212 212 7800. Specific network requirements governing valid claims are stated in the full Vehicle Insurance Terms document.
Territorial scope
Primary coverage in Greece. Extension of third-party liability and supplementary coverages to EU/EEA countries is standard across all tiers. Travel outside EU/EEA requires a Green Card.
Anti-theft requirements
No specific anti-theft device requirement for vehicle casco coverage has been identified in publicly available Prime Insurance Greece sources. Any applicable requirements would be specified in the full policy terms document (oroi_asfalisis_oximatos.pdf).
Claim notification deadline
The insured is directed to review the Vehicle Insurance Terms document (oroi_asfalisis_oximatos.pdf) for specific claim notification deadlines and reporting obligations. No explicit deadline was extractable from the publicly indexed page content.
Deductible rules
Specific deductible amounts per coverage type are not stated in the publicly available product pages. Deductible structures are governed by the full Vehicle Insurance Terms (oroi_asfalisis_oximatos.pdf). Per general Greek casco market practice, deductibles typically apply to own-damage claims and may vary by tier and coverage type.
online_purchase
Prime Insurance Greece does not offer an online policy purchase process. Policies must be arranged through an insurance intermediary or directly with the company. Online premium payment is available for existing direct policyholders only.
Documents
Vehicle Insurance Terms and Conditions
terms_and_conditions
Policy specifics
Vehicle Value Depreciation 1 Percent Per Month
The insured vehicle value is reduced by 1% per month from the policy inception date for purposes of calculating compensation under own damage, theft, and total loss coverages in AUTO PLUS and AUTO FULL tiers.
Agricultural Vehicles Excluded
Agricultural passenger vehicles (agrotika I.X.) are explicitly excluded from coverage under certain tiers of the Asfaleia En Kinisei product line.
Glass Damage Coverage Formula
Glass breakage and factory sunroof damage in AUTO PLUS and AUTO FULL is calculated as 10% of the vehicle insured value, subject to a minimum of EUR 1,000 and a maximum of EUR 3,000 per claim.
Own Damage from Collision Available in AUTO FULL Only
Own damage from collision, impact, swerving, rollover, fall, or during transport on trains or ferries is exclusively a basic inclusion in the AUTO FULL tier. In AUTO PLUS and lower tiers this coverage is not included as a standard benefit.