Motor Insurance

Motor Insurance is the legal minimum for your vehicle. This means that you’re covered if you have an accident that causes damage to third parties. This insurance is applicable within the policy limit, which you can select when buying the policy.

The following liability limits are available:

• €6,070,000 for damage caused to people and €1,220,000 for damage caused to things
• €10,000,000 for damage caused to people and things
• €20,000,000 for damage caused to people and things

You can select from two types of drivers:

• Any driver: there are no driving restrictions. The vehicle can be driven by anyone who has a valid driving licence, without an age limit. This option doesn't affect your insurance cover in the event of an claim
• Expert: the insurance is only valid when the vehicle driver is at least 26 years old. This option affects the insurance cover in the event of a claim as the Company can demand compensation if the driver is younger than the age indicated.

For instance, the Company can demand compensation in the following cases with the following limits:

• €500 if the driver is driving with an expired driving licence
• €2,000 for delayed vehicle inspection
• €2,500 if the driver is younger than 26 years old and the Expert driving type was purchased
• €5,000 for drink-driving

Please read the information pack for more information and details on exclusions/limits.

Fire and theft covers material and direct damage of the insured vehicle resulting from attempted, total, or partial theft, robbery, fire, or explosion of the fuel tank and lightning strike. The cover is available based on the amount already insured, which corresponds to your vehicle’s market value at the time of policy purchase.

There are three types of cover, with the following excess/deductible levels:

• Base: 15%/€250 (the excess is reduced to 10% if the vehicle is taken to an approved garage for repair)
• Super: 10%/€150 (the excess is reduced to 5% if the vehicle is taken to an approved garage for repair)
• Top: €300 fixed excess

Please read the information pack for more information and details on cover types and exclusions/limits.

The Windscreen cover reimburses expenses linked to replacing and/or repairing the insured vehicle’s windscreen (excluding interior/exterior mirrors and panoramic sunroofs), damaged following an accident.

There are three types of cover, with the following compensation limits:

• Base: €500
• Super: €700
• Top: €1,000

The following deductibles are applicable:
€200 in the event of replacing the windscreen (reduced to €50 if using an approved garage) and €100 in the event of repair (that is cancelled if carried out at an approved garage).

The cover is only valid for one claim per insurance year, irrespective of the number and type of windscreens damaged.

Please read the information pack for more information and details on cover types and exclusions/limits.

Acts of God covers material and direct damage caused to your vehicle, even when parked, due to natural events such as hailstorms, landslides, avalanches, and floods. The cover is available only in addition to the Fire and theft cover, and is based on the amount already insured, which corresponds to your vehicle’s market value at the time of policy purchase.

There are three types of cover, with the following excess/deductible levels:

• Base: 20%/€500 (the excess is reduced to 10% if the vehicle is taken to an approved garage for repair)
• Super: 10%/€300 (the excess is reduced to 5% if the vehicle is taken to an approved garage for repair)
• Top: €300 fixed excess

The cover can be provided only if it is already included in the previous policy or in the event of a newly registered vehicle or if there is a change in vehicle ownerships. In the event of a claim, policyholders must provide the Company with the necessary documents to prove compliance with these conditions. Failure to provide such documentation will invalidate the cover and the Company cannot provide compensation..

Please read the information pack for more information and details on cover types and exclusions/limits.

The Vandalism policy covers material and direct damage to your vehicle following riots, strikes, uprisings, terrorism, sabotage, and wilful damage. The cover can only be bought along with the Fire and theft and Acts of God cover, and is based on the amount already insured, which corresponds to your vehicle’s market value at the time of getting the policy.

There are three types of cover, with the following excess/deductible levels:

• Base: 20%/€500 (the excess is reduced to 10% if the vehicle is taken to an approved garage for repair)
• Super: 10%/€300 (the excess is reduced to 5% if the vehicle is taken to an approved garage for repair)
• Top: 300€ fixed excess

The cover can be provided only if it is already included in the previous policy or in the event of a newly registered vehicle or if there is a change in vehicle ownerships. In the event of a claim, policyholders must provide the Company with the necessary documents to prove compliance with these conditions. Failure to provide such documentation will invalidate the cover and the Company cannot provide compensation..

Please read the information pack for more information and details on cover types and exclusions/limits.

The Collision policy covers material and direct damage caused to the vehicle due to a collision with another vehicle that has a number plate, where the driver of the insured vehicle is responsible for the collision.
The cover can only be bought in combination with the Fire and theft, Acts of God, and Vandalism covers, and is based on the amount already insured, which corresponds to your vehicle’s market value at the time of policy purchase, within a limit of €3,000 per claim per insurance year.

There is only one type of cover, with a fixed excess of €500, which can be reduced to €300 if the vehicle is taken to an approved garage for repair.

The cover can be provided only if it is already included in the previous policy or in the event of a newly registered vehicle or if there is a change in vehicle ownerships. In the event of a claim, policyholders must provide the Company with the necessary documents to prove compliance with these conditions. Failure to provide such documentation will invalidate the cover and the Company cannot provide compensation..

Please read the information pack for more information and details on exclusions/limits.

Comprehensive car insurance (Kasko) covers material and direct damage suffered by the insured vehicle while driving in public and private areas, with the insured vehicle’s driver being liable, such as collision with another vehicle, collision with moving and fixed obstacles, and vehicle overturn or vehicle leaving the road.
The cover can only be bought in combination with the Fire and theft, Acts of God, and Vandalism covers, and is based on the amount already insured, which corresponds to your vehicle’s market value at the time of getting the policy.

Damage caused by the following is excluded from cover:

• Collision with people
• Collision with bicycles, scooters, and pushcarts
• Collision with wild animals
• Collision with rail-based vehicles
• Sinkholes and building collapse
• Falling objects
• Transport of vehicle

There are three types of cover, with the following excess/deductible levels:

• Base: 20%/€500 (the excess is reduced to 15% if the vehicle is taken to an approved garage for repair)
• Super: 15%/€500 (the excess is reduced to 10% if the vehicle is taken to an approved garage for repair)
• Top: €800 fixed excess (the excess is reduced to €500 if the vehicle is taken to an approved garage for repair)

The cover can be provided only if it is already included in the previous policy or in the event of a newly registered vehicle or if there is a change in vehicle ownerships. In the event of a claim, policyholders must provide the Company with the necessary documents to prove compliance with these conditions. Failure to provide such documentation will invalidate the cover and the Company cannot provide compensation..

Please read the information pack for more information and details on cover types and exclusions/limits.

The Personal accident cover protects the driver of the insured vehicle in the event of an accident, where the accident leads to death or permanent disability of the insured person.

There are three types of cover, with the following compensation limits:

• Base: €50,000 for permanent disability/death – medical expenses are not reimbursed
• Super: €100,000 for permanent disability/death – €2,500 for medical expenses
• Top: €150,000 for permanent disability/death – €5,000 for medical expenses

There is a 3% deductible for permanent disability. If the driver fails to use the mandatory safety equipment or the vehicle does not comply with inspection regulations, the deductible is increased to 5% and the maximum compensation amount is limited to 50% of the total insured amount. No deductible is applied if the permanent disability is established to be above 30% and only if the mandatory safety equipment was correctly used.

Please read the information pack for more information and details on cover types and exclusions/limits.

Motor legal protection covers expenses incurred in the event of judicial and extrajudicial disputes arising from stipulated insurance cases, and also provides legal assistance within the limits mentioned in the type of cover purchased.

There are three types of cover, with the following compensation limits:

• Base: €10,000
• Super: €20,000
• Top: €40,000

Please read the information pack for more information and details on cover types and exclusions/limits.

If you get the No claims bonus protection option, the Company doesn’t increase your insurance premium in the event of a claim. You can make one claim per insurance year.

Please read the information pack for more information and details on exclusions/limits.

Recourse protection ensures the Company waives its right of recourse in the following cases:

• drink-driving, only for the first claim in an insurance year, if the insured vehicle driver’s blood alcohol level is less than the legal alcohol limit, plus 0.6 grams/litre,
• when the insured vehicle used doesn't comply with inspection regulations, if the inspection is carried out within 2 months of the due date,
• damage caused, while driving, to third parties by minor children or grandchildren (up to third degree relatives), persons subject to guardianship, and cohabitants using the insured car, without the car owner’s knowledge.
• damage incurred by passengers if the vehicle is not driven according to the rules and regulations in place or instructions in the vehicle registration certificate,
• damage caused by a driver with the appropriate, but expired driving licence, if the licence is renewed within 6 months of the date of the claim.

Please read the information pack for more information and details on exclusions/limits.