Car insurance the way it should be

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).

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.

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.

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.

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.

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@hellasdirect.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.

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.

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 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 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.

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.

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.

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.

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.

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.