Car insurance the way it should be

Get the covers you need, the duration you want, and the payment method you prefer.

Choose the plan you want

All you need to stay safe on the road – plus added extras including road assistance, windscreen replacement, and more.

Essential Our most affordable option. Get all the basics to stay road-legal, plus a few extras we think every policy should include.

Third party liability

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).

Damages from uninsured vehicle

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.It must also be confirmed by the information centre of the subsidiary fund that the vehicle was indeed uninsured when the accident occurred.

Driver's personal accident

We provide you with financial assistance (up to €15,000) if you have an accident that you're responsible for and, as a result, you become permanently partially or totally disabled.

Accident guidance and transportation

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. Furthermore, if your car needs towing and you are in Greece, we will take care of the transport.

Reinbursement outside of friendly settlement

We will compensate you for an accident that happens through no fault of your own with an insured vehicle, even if the damage or bodily injury is not covered by the friendly settlement. We cover up to €6,500 for property damage and up to €30,000 for bodily injury to the driver and passengers.

Safe ride home

We cover your transportation expenses to the home address you’ve provided in cases where, due to excessive alcohol consumption, you are unable to drive. Simply call us at 2122229900, select the Roadside Assistance option from the menu, and we’ll arrange for your safe transportation home via taxi.Afterward, you pay the taxi fare and send us the receipt at rsa@hd.gr along with your bank account details (IBAN). 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. The service can be used once per year.

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Additional Our most popular choice. Everything in Essential, plus extras like fire and theft coverage.

Natural phenomena (including hail)

We compensate you for the damages that will be caused to your car by floods, storms, hail, thunderstorms, hurricanes, and tornadoes. The compensation will not exceed the amount stated in your policy as the insured capital. In the case of hail damage, the compensation will not exceed €2,000. To be eligible for this cover, you must report the damage within 8 days from the moment it occurs, and the damage amount must exceed the deductible. The deductible is the amount you have to pay for the damage. To activate the cover we may request a certificate from the National Meteorological Service.

Fire from terrorists actions and riots

We cover damages to your car from a fire resulting from terrorist acts, political unrest, or uprisings. The compensation will not exceed the amount stated in your policy as the insured capital.

Partial theft

Partial theft means we'll compensate you if something is stolen from your car. This applies to essential car components necessary for its operation, like wheels. Additionally, we cover damages done to the car body by someone who attempts to break into it, except for cabriolet hoods. We also cover audio systems, GPS, child seats, cabin vandalism, and damages that occur while the thief has possession of your car. The compensation amount won't exceed the sum stated in your policy as the insured capital. For the cover to apply, the damage amount must exceed the deductible. The deductible is the amount you need to pay for the damage.

Full theft

Full theft means we'll compensate you if your car is stolen. To proceed with the claim, you must (a) report the theft to the appropriate law enforcement agency, (b) report the theft to us, (c) wait for up to 60 days, and (d) be informed by the police that your car hasn't been recovered. The compensation amount won't exceed the sum specified in your policy as the insured capital.

Fire

We'll compensate you for damage to your car from a fire, lightning, explosion, or arson. The compensation amount won't exceed the sum specified in your policy as the insured capital.

Car replacement

We provide you with a category A car if yours is stolen or damaged by fire. We'll give it to you until we compensate you or repair the physical damage, for a maximum of 20 days.

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Own damages Complete protection, just in case. Includes all Additional benefits, plus coverage for damages, glass repairs, and vandalism.

Own damages

We compensate you for damages caused to your car due to a collision, impact, skid, rollover, or falling off the road in an accident for which you are at fault. Additionally, we cover damages that occur during the transportation or while your car is stored in a secure facility. The compensation amount won't exceed the sum specified in your policy as the insured capital. For this cover you may choose a deductible between €500 and €2,000. The deductible is the amount you need to pay for the damage.

Malicious acts

We compensate you for physical damages intentionally caused to your car by another individual. To activate the cover, the damage must exceed the deductible. The deductible is the amount you need to pay for the damage. The compensation amount won't exceed the sum specified in your policy as the insured capital.

Glass

We cover the repair or replacement of your car's glass, including the windshield, side windows, or the factory-fitted sunroof. If you choose one of our partner garages for the work:

In case they use their own replacement parts, you won't have any expenses.
In case you prefer to use factory-fitted replacement parts, your contribution to the costs will be 25% of the parts' cost.

On the other hand, if you opt for a different garage, your contribution to the expenses will be 25% of the total cost. The compensation amount won't exceed the sum specified in your policy as the insured capital. Additionally, we may request photos or videos of your car for pre-inspection purposes.

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Add the extras you actually need

We know peace of mind is priceless, so we’ve made it easy to add optional coverages to any program. Just select what you need, and we’ll add it right to your quote.

Download our information document (PDF)

Natural disasters Mandatory by law

Mandatory by law

We cover damages to your vehicle caused by:

Flood, storm or earthquake.
Fire (accidental or not) in forests, tree clusters, meadows, grazing lands, or due to land clearing with fire.

To activate the coverage, you may need to provide a certificate from the National Meteorological Service or another authority confirming the natural disaster.

Road assistance

We provide roadside assistance 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.

Road assistance for Greece-Europe

Stuck on the road? No worries. We’ve got you covered with towing, battery jump-start, tire change, or even fuel if you run out. We’re here for you 24/7, all across Greece and in most EU countries as well.

Glass Included in Our Damages cover

Included in Our Damages cover

We cover the repair or replacement of your car's glass, including the windshield, side windows, or the factory-fitted sunroof. If you choose one of our partner garages for the work:

In case they use their own replacement parts, you won't have any expenses.
In case you prefer to use factory-fitted replacement parts, your contribution to the costs will be 25% of the parts' cost.

Legal protection

This cover can be activated in case there is a criminal prosecution against you or in the event of a dispute following an accident. Specifically, we cover the fees of lawyers and legal expenses. The compensation amount won't exceed €6,000.

Download our information document (PDF)

Sign up online in just a few minutes

1. Tell us about yourself

Share your vehicle details, contact info, and tax number.

2. Pick your coverages

Select the program that fits you best, then add any extras you want.

3. Select your duration

From 28 days up to 12 months—your choice.

4. Choose how to pay

Pay monthly or annually with a debit or credit card.

We settle claims faster than anyone else

Claiming after an accident couldn’t be quicker – or easier.

Our fastest recorded claim

1 in 2 claims are settled in a day

See how we do it

Don’t just take our word for it

Feb. 2024

My experience with their customer service is unprecedented, I've never seen anything as good as this before.

Pavlos K.

March 2024

Very good service! It was my first experience with them and the response was right and professional.

Jim

Feb. 2024

Whenever I needed you, you were impeccable both in terms of service and the solutions you gave me.

Kostas Ch.

March 2024

We needed them once after my vehicle broke down at a difficult time. The response was immediate.

Apostolis V.

March 2024

I believe they are the best car insurance in Greece nowadays.

Panagiotis St.

Feb. 2024

When I needed it, Hellas Direct compensated me fully, in a kind, friendly and immediate way.

Raphael P.

Frequently asked questions

What do I do if I have a contract with another insurance company but I want to come to you?

You can cancel your current policy at any time—just contact them to cancel and request a refund for the unused period.

Then, simply insure your vehicle with us, and you’re set!

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Can I insure my trailer?

If you have a trailer, it's now mandatory to insure it. But it's also easy. Just visit our dedicated page and get trailer insurance in a few minutes.

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What is a waiver?

A waiver is the amount you pay in case of a covered damage. Let’s say repairing “Natural phenomena” damage costs €600. You’d pay the €300 waiver - which is the amount for this particular coverage - and we cover the rest. Not all coverages have waivers, but where they do, they may be fixed or fluctuate. Adjusting your waiver affects your premium, with lower waivers leading to higher premiums. If the damage doesn’t exceed the waiver, coverage isn’t activated. Plus, if you use one of our partner garages, you’ll get a 50% discount on waivers for coverages like natural phenomena, partial theft, malicious acts, and own damages.

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Why can’t I add crystal breakage?

If the cost of crystal breakage exceeds our set limit, adding it would significantly raise your policy cost. However, if eligible, our “Own damages” program includes this coverage.

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If I transfer my car to another party, what happens to its insurance?

If the main driver stays the same, just email us with the new registration, and we’ll update the owner’s details on your contract, with a small fee depending on the case. If the main driver changes, we’ll need to close the contract. The new owner will need a new policy under their name and details.

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Car insurance the way it should be

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