Anytime Online (digital brand of INTERAMERICAN HELLENIC INSURANCE COMPANY S.A.)

Territorial scope

Compulsory third-party liability (MTPL) coverage is valid in Greece, all EU member states, and the European Economic Area. Roadside assistance covers Greece and continental Europe including the European Economic Area.

Green card rules

The Green Card (International Insurance Certificate) certifies the existence of compulsory third-party liability cover in all listed countries. Coverage is automatically extended to all EU and EEA member states as required by Greek and EU law.

Driver restrictions

The policyholder and/or insured must notify the company of any change in the vehicle or driver details that affects premium calculation. No specific named-driver restriction is stated; all drivers of the insured vehicle are covered under MTPL. Vehicles in certain high-risk uses (e.g. airport apron trucks, construction site trucks, hazardous material tankers) are excluded.

Claim notification deadline

For MTPL (liability) claims, the insured must notify the company within 8 calendar days of the damaging event. For optional coverage claims, notification is also required promptly. The insured must take all possible actions to avoid or limit the damage and assist company representatives in assessing the accident.

Bonus-malus rules

Premiums are subject to a bonus-malus system applied each insurance period with discounts or surcharges. The premium is surcharged by past accidents only up to 5 years prior to policy issuance. After 5 years from the date of a claim, the claim no longer affects the premium. The premium is surcharged only when 2 or more accidents for which the insured is responsible have occurred. The company may revise premium factors at any time and recalculates premiums at each annual renewal.

Natural Catastrophe Coverage

Optional coverage for damage from weather phenomena including storms, floods, hail, snow, earthquakes, and volcanic eruptions

Own Damage Coverage

Covers damage to the insured vehicle from collision, malicious acts, and natural phenomena based on selected premium tier

Third Party Liability (Mandatory)

Compulsory coverage for bodily injury and property damage liability to third parties resulting from use of the insured vehicle

Personal Accident Driver Coverage

Covers death, total disability, or partial disability of the driver resulting from accident while driving the insured vehicle

Windscreen Damage Coverage

Covers replacement and repair costs for windscreen and windows damage up to specific limit

Damage from Uninsured Vehicle

Covers material damage to the insured vehicle caused by an uninsured vehicle when the other driver is proven at fault

Roadside Assistance Service

24/7 roadside assistance for breakdowns and accidents including mobile repair crew dispatch and vehicle towing

Vehicle Inspection Requirement

Own damage coverage requires vehicle condition verification through photographic documentation at policy inception

Approved Repair Network Service

Anytime operates CAR POINT repair centers and has partnerships with approved garages for damage assessment and repairs

Multiple Insurance Disclosure

If vehicle is insured for same risk with multiple insurers, policyholder must disclose this in writing without delay

Policy Document Structure

Insurance policy consists of insurance proposal, insurance certificate, terms handbook, and any additional endorsements