HD Insurance PLC (trading as Hellas Direct)
Hellas Direct
Hellas Direct is a motor third-party liability insurance for the Greece market with online purchase and 24/7 assistance.
Direct payment
In the event of an accident where the third-party vehicle bears Greek license plates and is 100% at fault, Hellas Direct settles property damage (up to €6,500) and bodily injury (up to €30,000 per accident, up to €12,000 per injured person) directly with the insured, outside the friendly settlement process, provided specific conditions are met including assignment of subrogation rights to Hellas Direct.
Geographic scope
Greece and EU/EEA member states for compulsory MTPL; Greece only for optional coverages
Compulsory civil liability applies in Greece, EU member states, EEA countries, and countries whose National Motor Insurers' Bureaux apply section III of the Consolidated Agreement. Optional coverages apply within Greece only. Roadside assistance (Greece–Europe option) extends to European Turkey and all European countries including Balkans, excluding former Soviet republics.
Unique selling points
- Flexible policy duration from 30 to 365 days, including single-day coverage — a feature rarely offered by other Greek insurers.
- Up to 12 interest-free monthly instalments via debit card (FlexiPay), with no loan or credit card required.
- FastTrack claims service with 50% of claims settled within 1 business day and a dedicated 24/7 claims line (212 222 9900).
- Safe Ride Home service: taxi transportation covered up to €30 when the driver is unable to drive due to excessive alcohol consumption.
- Instant policy issuance fully online, with auto-fill of vehicle and driver details via the gov.gr digital public administration gateway.
Coverage limits
Third Party Liability – Bodily Injury
Covered
Covers bodily injury, death, or permanent disability caused to third parties (including passengers) arising from the use of the insured vehicle. The statutory minimum limit is €1,300,000 per victim per accident as of January 2022, in line with EU Directive 2021/2118. The maximum liability per accident cannot exceed the limit stated in the policy.
Third Party Liability – Property Damage
Covered
Covers property damage caused to third parties arising from the use of the insured vehicle. The statutory minimum limit is €1,300,000 per accident as of January 2022. Also covers property damage caused by cargo protruding from or transported by private light trucks during movement (subject to conditions). Damage from bad loading or stacking is excluded.
Legal Protection
Optional
Covers legal fees and court costs for claiming civil compensation from third parties for property damage and bodily injury arising from road accidents. Also includes criminal defence for violations of the Highway Code, licence suspension, and charges of causing death or injury. Coverage applies only to insured events occurring in Greece. The insured amount per claim is €6,000, representing the maximum for all parties under the same policy.
Green Card (International Insurance Certificate)
Covered
The Green Card is an international insurance certificate issued by Hellas Direct free of charge and sent electronically together with the policy. It is valid for the full duration of the policy. A Green Card is required when travelling to countries not in the EU/EEA system, including Albania, Azerbaijan, Morocco, Moldova, Ukraine, North Macedonia, Turkey, and Tunisia. The policyholder must print and carry it.
Roadside Assistance
Optional
Optional 24/7 roadside assistance covering mechanical breakdown, flat tyre, battery charging, fuel supply, and towing to the nearest garage of the insured's choice. Available throughout Greece; a Greece–Europe option extends coverage to European Turkey and all European countries including the Balkans, excluding former Soviet republics. Accident care towing is included in all plans as part of the accident reporting service. In case of inability to be served within a reasonable time outside Greece, the insured may use an external provider with prior approval and receive reimbursement up to €150.
Personal Accident (Driver)
Optional
Optional cover for the driver of the insured vehicle for bodily injuries directly caused by a road accident while driving the insured vehicle, or while charging an electric vehicle at an approved charging station due to electric current leakage. Covers accidental death (sum insured paid to legal heirs), permanent total disability (sum insured), and permanent partial disability (proportional payment up to 70% of sum insured). The insured sum is €15,000. Results must manifest within one year of the accident. Permanent partial disability is paid per a schedule of injuries up to a maximum 70% of the sum insured.
Passenger Personal Accident
Not offered
A dedicated passenger personal accident cover is not offered as a standalone product by Hellas Direct. The Personal Accident cover (section 6 of the T&Cs) applies exclusively to the driver. Bodily injury to the driver and passengers in no-fault accidents with insured vehicles bearing Greek plates may be compensated under the 'HD Aποζημίωση εκτός φιλικού διακανονισμού' (section 16), subject to conditions and a cap of €30,000 per accident and €12,000 per injured person.
Key conditions
Territorial scope
Compulsory civil liability insurance applies within Greece, EU member states, EEA countries, and countries whose National Motor Insurers' Bureaux apply section III of the Consolidated Agreement (Internal Regulations). In those states a Green Card is not mandatory but recommended. Countries requiring a Green Card include Albania, Azerbaijan, Morocco, Moldova, Ukraine, North Macedonia, Turkey, and Tunisia. For countries outside the Green Card system (e.g. Kosovo), local insurance must be obtained upon entry. Optional coverages are valid within Greece only.
Green card rules
The Green Card is issued free of charge by HD Insurance PLC and sent electronically with the policy by email. It is valid for the full policy duration. The insured must print and carry it when travelling to countries that require it. Countries requiring a Green Card: Albania, Azerbaijan, Morocco, Moldova, Ukraine, North Macedonia, Turkey, Tunisia. No Green Card is required within EU/EEA member states.
Driver restrictions
Drivers under 18 years of age cannot be insured. Drivers under 25 years of age must be declared at policy inception or upon change; failure to declare results in a 30% penalty surcharge on the liability claim amount. The insurer may apply additional premium loading for vehicles driven by persons under 25. Optional coverages do not apply if an undeclared under-25 driver causes a claim.
Claim notification deadline
In the event of an accident or damage, the insured must notify Hellas Direct immediately by calling the 24/7 claims line (212 222 9900) directly from the scene. A claim must be reported no later than 7 days from the date of the accident or damage. Late notification results in a penalty of 30% of the third-party compensation amount. For natural phenomena and hail, damage must be reported within 8 days of occurrence. The vehicle must not be repaired before inspection by the insurer's expert, failing which the right to compensation may be lost.
Bonus-malus rules
The insurer reserves the right to readjust the premium and modify the criteria and conditions for its calculation at policy renewal. Premiums are calculated based on driver age, vehicle characteristics (engine capacity and years of registration), selected insurance programme, and policy duration. No explicit bonus-malus scale is described in the policy terms; premium adjustments are applied at renewal at the insurer's discretion.
Where to buy
Policy specifics
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
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
Road assistance and towing
24-hour road assistance covering mechanical breakdown, flat tire, battery problem, gasoline issues, with towing available throughout Greece
Glass replacement and repair
Covers repair or replacement of car glass including windshield, side windows, and factory-fitted sunroof with network garage advantages
Natural disaster coverage
Covers damage from floods, storms, hail, thunderstorms, earthquakes, and fire due to natural causes, subject to National Meteorological Service certificate requirements
Third party accident coverage
Covers accidents where no fault is yours, even without friendly settlement: up to €6,500 property damage and €30,000 bodily injury for drivers and passengers
Intoxicated driver safe transportation
Covers transportation expenses via taxi up to €30 when driver is unable to drive due to excessive alcohol consumption
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.
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 rsa@hellasdirect.gr with their IBAN. Usable once per year per policy.
Policy duration flexibility
Insurance policy duration ranges from 30 to 365 days, offering flexible coverage periods
Cancellation and withdrawal rights
Policyholder may cancel within 14 days for full premium refund; after 14 days, unearned premiums returned
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
Pre-insurance vehicle inspection
Insurer may request photos or videos of vehicle for pre-inspection purposes before policy issuance
Accident and claims notification
Immediate notification required after accident with 24/7 hotline (212-2229900) for guidance; claims recorded by phone or partner assistance
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
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
Insured capital valuation
Insured capital equals actual current market value of vehicle at insurance time according to iAD (Intelligent Automobile Valuation) tables