Ydrogios Casco (own-damage car insurance) (Auto Premium)
Underwritten by Υδρόγειος Ανώνυμος Ασφαλιστική και Αντασφαλιστική Εταιρεία · Greece
casco (own-damage car insurance) from Ydrogios for the Greece market, with 24/7 assistance.
Verified Aug 13, 2026 · Terms dated 2024-03-01Sources
Unique selling points
Over 20 coverages in a single policy — marketed as the most comprehensive car insurance in the Ydrogios range.
Glass/crystal breakage coverage with zero deductible, including sensors and calibration on windows at no additional premium.
Free emergency air transport (by aircraft or helicopter with doctor accompaniment) following a road accident, in cooperation with MAPFRE ASISTENCIA – EUROSOS ASSISTANCE.
Free Vehicle Repair Care Service providing coordinated access to an authorised repair partner network, simplifying the claims and repair process.
Bonus class protection for one claim per year regardless of the indemnity amount, preserving the insured's no-claims discount.
Coverage limits
Own Damage (Comprehensive Insurance)
Covered
Covers material damage to the insured vehicle resulting from collision, impact, overturning, and other events including malicious acts. The insured sum is agreed at policy inception; total loss is paid at market value on the date of the event. Young drivers (under 23 or licence held less than 1 year) who have not paid the applicable additional premium at policy inception receive only 50% of the indemnity for collision-type damage.
Section: Ίδιες Ζημιές
Καλύπτονται οι ζημίες που θα προκληθούν στο ασφαλισμένο όχημα συνεπεία σύγκρουσης – πρόσκρουσης – εκτροπής – ανατροπής και κατακρήμνισης, ανεξαρτήτως ευθύνης του οδηγού. Δυνατότητα επιλογής ύψους της απαλλαγής.
Total Loss
Covered
Covered under the comprehensive own-damage clause. In the event of total loss (damage cost exceeding a threshold making repair uneconomical), the insurer pays the market (commercial) value of the vehicle at the date of the loss. Covered perils include collision, impact, overturning, and malicious acts.
Section: Κλοπή Ολική & Μερική
Η κάλυψη ολικής κλοπής αφορά την εμπορική αξία του οχήματος κατά την ημέρα της κλοπής.
Partial Loss / Partial Damage
Covered
Covered under the comprehensive own-damage clause. Partial damage to the insured vehicle from collision, impact, overturning, or malicious acts is indemnified up to the cost of repair, within the insured sum.
Section: Ίδιες Ζημιές
Καλύπτονται οι ζημίες που θα προκληθούν στο ασφαλισμένο όχημα συνεπεία σύγκρουσης – πρόσκρουσης – εκτροπής – ανατροπής και κατακρήμνισης, ανεξαρτήτως ευθύνης του οδηγού.
Theft and Robbery
Covered
Total theft coverage is based on the commercial (market) value of the vehicle on the date of theft. Partial theft covers components that are essential for the vehicle's movement and operation and are firmly attached to it. Also covers material damage to the vehicle caused during an attempted theft or removal of components, and covers theft of the factory-fitted audio system.
Section: Κλοπή Ολική & Μερική
Η κάλυψη ολικής κλοπής αφορά την εμπορική αξία του οχήματος κατά την ημέρα της κλοπής. Η κάλυψη μερικής κλοπής αφορά εξαρτήματα του οχήματος τα οποία είναι απαραίτητα για την κίνηση και λειτουργία του και στέρεα προσδεδεμένα σε αυτό.
Glass / Crystal Breakage (No Deductible)
€1.2K
Full coverage for glass/crystal breakage (windshield, rear window, side windows) with zero deductible, up to a limit of €1,200. Excludes lights, mirrors, indicators, glass roofs and sunroofs. Replacement and repair is carried out through Ydrogios' network of specialised glass-replacement partners.
Section: ΚΑΛΥΨΕΙΣ > Θραύση Κρυστάλλων χωρίς απαλλαγή
ΟΡΙΟ ΚΑΛΥΨΗΣ €1.200
Natural Perils / Natural Phenomena
Covered
Covers material damage to the insured vehicle caused directly by natural phenomena such as storm, hurricane, flood, earthquake, subsidence, snow, and hail, up to the insured sum. Listed as an included coverage in the Auto Premium / Truck Premium coverage list.
Section: ΚΑΛΥΨΕΙΣ > Φυσικά Φαινόμενα
Καλύπτονται υλικές ζημίες του ασφαλισμένου οχήματος που προέρχονται άμεσα από θεομηνίες όπως π.χ. καταιγίδα, θύελλα, πλημμύρα, σεισμό, καθίζηση, χιόνι, χαλάζι.
Malicious Acts / Vandalism
Covered
Coverage against deliberate harmful acts (malicious acts / vandalism) causing damage to the insured vehicle is included as a core element of the Auto Premium comprehensive package alongside own-damage coverage.
Section: Κακόβουλες ενέργειες
Καλύπτονται οι ζημίες του ασφαλισμένου οχήματος οι οποίες προκαλούνται από κακόβουλες πράξεις τρίτων.
Roadside and Travel Assistance
Optional
Optional add-on providing comprehensive roadside and travel assistance services 24/7, 365 days a year, throughout Europe and Mediterranean-bordering countries, via MAPFRE ASISTENCIA – EUROSOS ASSISTANCE. Covers breakdown and accident situations: on-site vehicle repair if possible, or towing to a garage of the insured's choice; transfer of insured passengers from the scene; hotel accommodation expenses; assistance in case of fuel shortage, lost keys, or vehicle theft.
Section: Οδική & Ταξιδιωτική Βοήθεια
Παρέχονται σε συνεργασία με τη διεθνή εταιρεία MAPFRE ASISTENCIA – EUROSOS ASSISTANCE, 24 ώρες το 24ωρο, 365 μέρες το χρόνο, σε οποιαδήποτε χώρα της Ευρώπης αλλά και τις χώρες που βρέχονται από τη Μεσόγειο Θάλασσα.
Replacement Vehicle
Covered
Included coverage providing a replacement vehicle of up to 1400cc engine displacement. In case of fire, partial or total theft, a replacement vehicle is provided for the duration of repairs to the insured vehicle, up to a maximum of 30 days for fire and partial theft, and up to 60 days for total theft. In case of a traffic accident (collision, impact, overturning, deviation) where the repair time exceeds 7 working days, a replacement vehicle up to 1400cc is provided for up to 15 days. Available for Auto Premium only.
Section: ΚΑΛΥΨΕΙΣ > Αντικατάσταση οχήματος σε περίπτωση πυρκαγιάς, μερικής και ολικής κλοπής
Παρέχεται αυτοκίνητο αντικατάστασης, κυβισμού έως 1400cc, για χρονικό διάστημα μέχρι και την αποκατάσταση των ζημιών του ασφαλισμένου αυτοκινήτου, με μέγιστο τις 30 ημέρες για τις περιπτώσεις πυρκαγιάς και μερικής κλοπής και τις 60 ημέρες για την περίπτωση της ολικής κλοπής.
Driver Personal Accident
€12K
Basic personal accident coverage for the driver is included in the Auto Premium product, with a coverage limit of €12,000. It covers death and permanent total disability resulting from a traffic accident while driving or boarding/alighting the vehicle, plus actual medical treatment expenses (hospital, surgical, pharmaceutical or other therapeutic care) up to 4% of the insured sum as a sub-limit. An optional enhanced 24/7/365 personal accident add-on is available (replacing the basic cover), with a selectable capital ranging from €10,000 to €40,000 depending on the chosen sum insured, additionally covering permanent partial disability, daily hospital and post-hospital allowances, and emergency air transport for accident and illness.
Section: ΚΑΛΥΨΕΙΣ > Προσωπικό Ατύχημα
ΟΡΙΟ ΚΑΛΥΨΗΣ €12.000
Key conditions
Driver age and experience limit
Drivers under 23 years of age (age calculated as of 1 January of the birth year) or drivers who obtained their licence for the first time within the 12 months prior to the accident date, and for whom the applicable additional premium was not paid at policy inception, will receive only 50% of the indemnity for collision, impact, overturning, and similar damage. The insured cannot claim the full amount even by subsequently offering an additional premium, unless the additional premium is paid by endorsement immediately after declaring the accident (at 30% of the company's annual premium for that year).
Repair network requirements
The insured may use Ydrogios' authorised partner repair network (Vehicle Repair Care Service) for claims processing and vehicle repairs, which provides coordinated access to qualified garages. Use of the partner network is available and recommended but not exclusively mandatory; the insured may also direct repairs to a garage of their choice. Glass replacement is carried out through Ydrogios' specialised glass-partner network with no deductible applied.
Anti-theft requirements
No specific anti-theft device requirement is stated on the product page for standard theft coverage eligibility. Partial theft covers only components that are essential for the vehicle's operation and are firmly attached to it; audio systems are covered only if factory-installed.
Claim notification deadline
In the event of damage or an accident, the policyholder and/or insured must notify the company in writing, immediately without culpable delay and at the latest within eight (8) working days from the date on which the loss came to their knowledge (per EO61 Motor Insurance Terms, March 2024, Article 10.1).
Deductible rules
Glass/crystal breakage coverage is provided with zero deductible (χωρίς απαλλαγή) as a highlighted feature of the Auto Premium product. For own-damage (comprehensive) claims, no specific deductible percentage is published on the product page; deductible terms are governed by the General and Special Conditions of the insurance contract. Young drivers (under 23 or licence < 1 year without additional premium) are subject to a 50% indemnity reduction rather than a standard deductible.
Direct payment
Claims are handled through the insurer's partner repair network (Vehicle Repair Care Service) or through the Friendly Settlement (Φιλικός Διακανονισμός) process. Ydrogios processes compensation directly; no explicit direct-payment-to-provider policy stated for all cases.
Territorial scope
Core casco coverage applies in Greece; roadside and travel assistance via MAPFRE ASISTENCIA – EUROSOS ASSISTANCE covers all European countries and Mediterranean-bordering countries, 24/7, 365 days a year
Documents
Policy specifics
Own Damage Coverage (Comprehensive Insurance)
Coverage of own damage to the vehicle in case of collision, including third-party uninsured vehicle protection
SourceSection: Υλικές Ζημιές από ανασφάλιστο όχημα
Καλύπτονται οι υλικές ζημίες που προκαλούνται στο ασφαλισμένο αυτοκίνητο από σύγκρουσή του με άλλο ανασφάλιστο όχημα ελληνικών πινακίδων.
Malicious Acts Coverage
Coverage against deliberately harmful acts such as vandalism or malicious damage to the vehicle
SourceSection: Κακόβουλες ενέργειες
Καλύπτονται οι ζημίες του ασφαλισμένου οχήματος οι οποίες προκαλούνται από κακόβουλες πράξεις τρίτων.
Glass/Crystal Breakage Coverage Without Deductible
Full coverage for broken glass including windshield, rear window, and side windows with zero deductible/waiver
SourceSection: Θραύση Κρυστάλλων χωρίς απαλλαγή
Καλύπτεται κάθε θραύση κρυστάλλου του ασφαλισμένου οχήματος. Εξαιρούνται φανάρια, καθρέπτες, φλας, γυάλινες οροφές και ηλιοροφές.
Emergency Air Transport Service
Free emergency air transport service in case of accident, provided in cooperation with MAPFRE ASISTENCIA - EUROSOS ASSISTANCE
SourceSection: Επείγουσα Αερομεταφορά σε περίπτωση τροχαίου (για ΙΧ Επιβατικά και Αγροτικά Φορτηγά)
Παρέχεται 24ωρο συντονιστικό κέντρο βοήθειας με αριθμό 210 9601387.
Vehicle Repair Care Service
Free vehicle repair care and guidance service for repairs and maintenance, with access to partner repair network
SourceSection: Φροντίδα ατυχήματος με Ρυμούλκηση
Παρέχεται σε συνεργασία με τη διεθνή εταιρεία MAPFRE ASISTENCIA – EUROSOS ASSISTANCE. Αφορά βοήθεια και υποστήριξη (καταγραφή συμβάντος, συμπλήρωση δήλωσης ατυχήματος) από εξειδικευμένο συνεργάτη μας στον τόπο και κατά την ώρα του ατυχήματος.
Third-Party Uninsured Vehicle Coverage
Coverage for material damage caused by collision with uninsured Greek-registered vehicles
SourceSection: Υλικές Ζημιές από ανασφάλιστο όχημα
Καλύπτονται οι υλικές ζημίες που προκαλούνται στο ασφαλισμένο αυτοκίνητο από σύγκρουσή του με άλλο ανασφάλιστο όχημα ελληνικών πινακίδων.
Authorized Vehicle Repair Network
Insured may use authorized repair partner network for vehicle repairs with potential cost benefits and guaranteed quality
SourceSection: Θραύση Κρυστάλλων χωρίς απαλλαγή
Η Υδρόγειος παρέχει υπηρεσία άμεσης επισκευής και αντικατάστασης κρυστάλλων μέσω δικτύου εξειδικευμένων συνεργατών της.
Specialized Glass Replacement Network
Fast and reliable glass/crystal replacement service through network of specialized partners with immediate service
SourceSection: Θραύση Κρυστάλλων χωρίς απαλλαγή
Ο ασφαλισμένος έχει τη δυνατότητα να κάνει χρήση της υπηρεσίας για την γρήγορη και αξιόπιστη αντικατάσταση / επισκευή των τζαμιών / παρμπρίζ του ασφαλισμένου οχήματος, χωρίς την ανάγκη εκταμίευσης χρημάτων.
Vehicle Modification Notification Requirement
Insured must immediately notify company of any vehicle modifications or changes that affect vehicle particulars or premium determination
SourceClause 7.5Page 5Section: COMPULSORY MOTOR THIRD PARTY LIABILITY GENERAL TERMS > 7. PREMIUM DETERMINATION
The insurance recipient or/and the insured have to notify the Company immediately and in any case at the latest , within (3) days any modification of the vehicle or vehicle’s particulars in particular when those particulars affect the determination of the premiums, but irrespective of it as well.
Accident Claim Notification Period
Accidents must be notified within 8 working days; the insured cannot take action against the company for the indemnity until 60 days have passed from submitting full supporting documents.
SourceClause 6.3Page 14Section: SPECIAL CONDITION OF DRIVER'S PERSONAL ACCIDENT FROM TRAFFIC ACCIDENT > ARTICLE 6: OBLIGATIONS OF THE INSURANCE RECIPIENT – INSURED BENEBICIARY
No claim may be raised in any way against the Company prior to the lapse of sixty (60) days from the production of full and relevant evidence and proof document to it.
Sources
- ydrogios.grhttps://www.ydrogios.gr/web/wp-content/uploads/docs/asfalisi-autokinitou/MOTOR-INSURANCE-TERMS.pdf#page=14(opens in a new tab)
- ydrogios.grhttps://www.ydrogios.gr/web/wp-content/uploads/docs/asfalisi-autokinitou/MOTOR-INSURANCE-TERMS.pdf#page=5(opens in a new tab)
- ydrogios.grhttps://ydrogios.gr/web/auto-premium/(opens in a new tab)
Ydrogios Casco (own-damage car insurance)