Hellas Direct Motor third-party liability (Mtpl Car)

Compulsory civil liability insurance

Mandatory motor insurance covering property damage and bodily injury to third parties, with legal limit of €1,300,000 as of January 2022

Section: More than just basic car insurance covers! > Essential

This is a mandatory cover, by law. It means that we will pay for property damage done to other cars or objects and body injuries caused to other people, as long as you are responsible for these incidents. The limit of cover is set by law (€1,300,000 from January 2022).

Uninsured vehicle damage coverage

Covers damage up to €15,000 caused by an uninsured vehicle, requiring driver liability acceptance or proof via traffic police accident report

Section: More than just basic car insurance covers! > Essential

We cover damage (up to €15,000 or the amount stated in your policy as the insured capital if it's smaller than €15,000) caused to your car by an uninsured vehicle. For this to happen, the driver must have accepted liability or their liability must be proven by public documents such as a copy of the accident book of the traffic police.

Road assistance and towing

24-hour road assistance covering mechanical breakdown, flat tire, battery problem, gasoline issues, with towing available throughout Greece

Section: More than just basic car insurance covers! > Add the extras you actually need

We provide roadside assistance and towing, if necessary, for damages that will occur to your car: mechanical breakdown, flat tyre, battery problem, gasoline issue. We've got your back 24 hours, every day, if you are in Greece.

Glass replacement and repair

Covers repair or replacement of car glass including windshield, side windows, and factory-fitted sunroof with network garage advantages

Section: More than just basic car insurance covers! > Own damages

We cover the repair or replacement of your car's glass, including the windshield, side windows, or the factory-fitted sunroof.

Natural disaster coverage

Covers damage from floods, storms, hail, thunderstorms, earthquakes, and fire due to natural causes, subject to National Meteorological Service certificate requirements

Section: More than just basic car insurance covers! > Additional

We compensate you for the damages that will be caused to your car by floods, storms, hail, thunderstorms, hurricanes, and tornadoes. To activate the cover we may request a certificate from the National Meteorological Service.

Intoxicated driver safe transportation

Covers transportation expenses via taxi up to €30 when driver is unable to drive due to excessive alcohol consumption

Section: More than just basic car insurance covers! > Essential

You’re eligible for up to €30 in coverage. To use this service, you must be a policyholder, driver, or an additional driver on the contract.

HD Direct Settlement Outside Friendly Settlement Procedure

Covers property damage (up to €6,500) and bodily injury (up to €30,000 per accident, up to €12,000 per injured person) when the insured vehicle is involved in an accident with another insured vehicle bearing Greek plates and the other driver is 100% at fault. Does not require a friendly settlement form. Requires: contact with accident care, repair at a partner garage, exclusive liability declaration by the at-fault driver, and assignment of subrogation rights to HD.

Section: 3.7.2 Προαιρετικές καλύψεις > 16. HD Αποζημίωση εκτός φιλικού διακανονισμού

Οι υλικές ζημιές του ασφαλισμένου οχήματος να μην υπερβαίνουν συνολικά και ανά ατύχημα το ποσό των 6.500 ευρώ... Η αποζημίωση για σωματικές βλάβες των ζημιωθέντων προσώπων να μην υπερβαίνει συνολικά και ανά ατύχημα το ποσό των 30.000 ευρώ και ανά ζημιωθέν πρόσωπο το ποσό των 12.000 ευρώ.

Safe Ride Home (Intoxicated Driver Transportation)

Covers taxi transportation expenses up to €30 for the policyholder, named driver, or additional declared driver who is unable to drive due to excessive alcohol consumption. The insured must call 212 222 9900, pay the taxi fare, and send the receipt to [email protected] with their IBAN. Usable once per year per policy.

Section: 3.7.2 Προαιρετικές καλύψεις > 17. Safe ride home

κάλεσέ μας στο 2122229900... και εμείς θα αναλάβουμε τη μετακίνησή σου με ασφάλεια στην κατοικία σου με ταξί... Δικαιούσαι μέχρι €30... Μπορείς να κάνεις χρήση της υπηρεσίας μέχρι μία (1) φορά το χρόνο.

Policy duration flexibility

Insurance policy duration ranges from 30 to 365 days, offering flexible coverage periods

Section: When does the cover start and end?

The duration of the policy ranges from 30 to 365 days.

Cancellation and withdrawal rights

Policyholder may cancel within 14 days for full premium refund; after 14 days, unearned premiums returned

Section: How do I cancel my contract?

If you want to cancel your policy within the first fourteen (14) days since the day you received your insurance policy, we will refund the whole premium... In case of a cancellation after the first fourteen (14) days, we will return any unearned premiums.

Payment methods and installment options

Accepts debit/credit/prepaid cards, PayPal, electronic tokens, OPAP stores, and e-banking/phone banking; FlexiPay debit card installments available

Section: When and how do I pay?

You can pay your insurance policy by card (debit, credit or prepaid), through your PayPal account, with an electronic transaction token at the bank's cashier, at any OPAP store or via e-banking / phone banking.

Pre-insurance vehicle inspection

Insurer may request photos or videos of vehicle for pre-inspection purposes before policy issuance

Section: Choose the plan you want > Own damages

Additionally, we may request photos or videos of your car for pre-inspection purposes.

Accident and claims notification

Immediate notification required after accident with 24/7 hotline (212-2229900) for guidance; claims recorded by phone or partner assistance

Section: Choose the plan you want > Essential

We have a 24-hour, 365 hotline. In case of an accident, you call us and we guide you through the next steps. We will record the incident either by phone or with a partner who will come to your aid.

Direct settlement procedure

Direct material damage coverage applies only when other vehicle bears Greek license plates and is 100% at fault; property damage limited to €6,500

Section: 18. Direct Settlement

The material damages of the insured vehicle do not exceed in total and per accident the amount of 6,500 euros (only repair costs including VAT or car replacement in case of total destruction).

Premium rating and adjustment criteria

Insurance premium calculated based on driver age, vehicle characteristics (engine capacity, registration date), selected product, and policy duration; readjustment at renewal

Section: 1.3 Rating and Insurance Premium Readjustment

Your insurance premium is calculated based on the following criteria: the driver's special characteristics, such as age; each vehicle's special characteristics, such as engine capacity and the years since the car's first registration; the selected insurance product; the duration of the insurance policy.

Insured capital valuation

Insured capital equals actual current market value of vehicle at insurance time according to iAD (Intelligent Automobile Valuation) tables

Section: 3.4 Ποσό Ασφάλισης

Το ασφαλιζόμενο κεφάλαιο είναι ίσο με την πραγματική, τρέχουσα εμπορική αξία του οχήματος κατά τη στιγμή της ασφάλισης, όπως αυτή αναγράφεται στους πίνακες της iAD (Intelligent Automotive Data) για την Ελληνική αγορά.