Car insurance the way it should be

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

What's your license plate number?
All you need is your license plate number and a few more details.
Fair and competitive pricing – forever
Super-fast claims settlement with FastTrack
Call us night or day on our 24/7 claims line
A network of 3,000+ top-rated garages
Pay annually or monthly by credit or debit card
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Choose the plan you want and pay the way you want with FlexiPay

FlexiPay for instalments without a credit card

Why not split your insurance cost into 12 instalments with your debit card? No loans, no commitments, no worries.
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Choose the plan you want

All you need to stay safe on the road – plus, added extras including roadside assistance, windscreen replacement, and more.
Essential Our most affordable car insurance plan. All the essentials to stay road legal and a few extras we think every policy should have
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, one of our partners from INTERSALONIKA 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.

Additional The one most of our members choose. Includes everything from our Essential plan and a few extras (such as fire and theft cover)
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.

Own damages Complete protection. Just in case. Everything from our Additional plan and our damages, glass repair 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.

Add the extras you actually need

You can’t put a price on peace of mind, that’s why we’ve included optional extras that can be added to any plan. Just choose the ones you need and we’ll automatically add them to your car insurance quote. 

Road assistance Powered by INTERSALONIKA
Powered by INTERSALONIKA

We provide roadside assistance for damages that will occur to your car: mechanical breakdown, flat tyre, battery problem, gasoline issue. Our partners in INTERSALONICA will serve you 24 hours every day, if you are in Greece.

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.

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.

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.

First step - Tell us about you
Second step - Pick your covers
Third step - Select your duration
Fourth step - Choose payment method

Sign up online in just a few minutes

  1. Tell us about you
  2. We’ll need your vehicle details, contact information and tax number.

  3. Pick your covers
  4. Add the plan you want – then choose your extras.

  5. Select your duration
  6. Anything from 30 days up to 12 months.

  7. Choose how to pay
  8. Pay monthly or yearly using a debit or credit card.

We settle claims faster than anyone else

Claiming after an accident couldn’t be quicker – or easier. 
9 minutes
Our fastest recorded claim
24 hours
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.

Plus, get exclusive perks from our partners

We’re the insurance company that goes the extra mile for our customers. Earn rewards, enjoy exclusive discounts and get more for your money with our trusted partners.
See current offers
Earn €10 cash for every friend who signs a new contract with us. What about them? They get a 10% discount on their new policy.

Frequently asked questions

You can cancel the other contract at any time. You simply contact the insurance company, tell them you wish to cancel and ask them to refund the difference.

Then, you insure your vehicle with us and that’s it.

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Of course, and you can do it for free. All you have to do is get a car insurance and tick the option “Do you want insurance for your trailer?”. You will find said option at the last step of the checkout.

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This is the amount you have to pay in the event of a covered damage. For example, if your vehicle is damaged by “Natural phenomena” and the cover is included in your contract, then: let’s say it costs €600 to repair the damage. You pay the €300 (which is the waiver for this particular coverage) and we pay the rest of the amount.

Not all our coverages have waivers. Still, in those that do, the waiver can either remain constant or, in some cases, fluctuate.

However, you should remember that by changing the waiver, you affect the amount of the final premium. That is, the smaller the waiver, the higher the premiums! Also, if the cost of your damages does not exceed the waiver, then the coverage is not activated.
If you choose to have the damage repaired by our partner garages, you get an exclusive 50% discount on the waivers of specific coverages: natural phenomena, partial theft, malicious acts, own damages.

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Probably because its cost is higher than the amount we have chosen as a limit. If you added it it would raise the cost of your contract by a lot.

What you can do, if it’s offered for your car, is to choose the Own damages plan, which includes this specific coverage.

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If the main driver does not change, you simply send us an email with the new registration, so we can add the new owner’s details to your contract. This can have a cost per case.

However, if the main driver also changes, then we will need to terminate your contract. You will then need to take out a new insurance with the details of the new owner and driver.

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