Premium calculation · Vehicles
Roadside assistance
In our own estimate, the basic example costs from €42 to €55, depending on the company. From there, 3 tables with 14 bands in all raise or lower the price: the same steps at every company, at another height.
The prices are our own estimates, and they can be wrong. They are not offers or an official ranking, and we sell no insurance. The algorithm is public. Why
The prices of each company are our own estimate. They come from our own research of the market and our judgement as people of the industry. They are not a price that the company publishes. We can be wrong, and the order of the ranking is more reliable than the exact price. Only the company gives the real price, with all your details. None of the 10 companies gave us a price.
The reference case
The price of the example is the one the comparison shows for these answers: the base of each company, the rates on the sums insured, the factors and the extra covers of the example.
- Vehicle
- Car
- Vehicle age (years)
- 8
- Postcode
- no postcode - the average of Greece
- The reference tier
- Greece
- €42 - €55
The tiers
The price of the basic example by tier, base and percentages on the sums insured, at the company with the cheapest and the company with the dearest estimate.
| Plan | Cheapest | Dearest | Spread |
|---|---|---|---|
| GreeceTows you to the nearest garage. · the reference tier | €42Hellas Direct | €55Interamerican | +31%10 companies |
| Greece and abroadApplies abroad as well. | €56Hellas Direct | €74Interamerican | +32%10 companies |
| With a stay and the way homePays for accommodation, your return trip and a replacement car. | €74Hellas Direct | €96Interamerican | +30%10 companies |
The factors
Every insurer has the same bands, but its own coefficients
Every figure is one table of the calculation. The two columns in each band are the cheapest and the dearest estimate for the basic example.
From × 0.68 to × 1.80 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Hellas Direct | Interamerican |
|---|---|---|
| Car | × 1.00 | × 1.00 |
| Motorcycle | × 0.68 | × 0.83 |
| Van up to 3.5 tonnes | × 1.48 | × 1.26 |
| Caravan or motorhome | × 1.80 | × 1.43 |
From × 0.84 to × 1.56 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Hellas Direct | Interamerican |
|---|---|---|
| up to 5 years old | × 0.84 | × 0.92 |
| 6 - 12 years | × 1.00 | × 1.00 |
| 13 - 20 years | × 1.24 | × 1.13 |
| 21 years and over | × 1.56 | × 1.30 |
From × 0.98 to × 1.15 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Hellas Direct | Interamerican |
|---|---|---|
| Attica | × 1.00 | × 1.00 |
| Thessaloniki | × 1.00 | × 1.00 |
| Large cities | × 0.98 | × 0.98 |
| Rest of mainland Greece | × 1.05 | × 1.05 |
| Islands | × 1.15 | × 1.15 |
| Greece, national average | × 1.03 | × 1.03 |
Extra covers
A flat price a year, unless the tier already includes it.
| Cover | Inside the tier | Cheapest | Dearest | Spread |
|---|---|---|---|---|
| Assistance at your front doorHelp at the door of your home too, for example for a flat battery at the entrance of the block. Check from what distance the basic policy applies. | - | €7Hellas Direct | €9Groupama Ασφαλιστική | +29%10 companies |
| Abroad tooTowing and repatriation of the vehicle from Europe. | Applies abroad as well.Pays for accommodation, your return trip and a replacement car. | €26Hellas Direct | €34Interamerican | +31%10 companies |
| Keys, fuel, tyreGetting you in when you lock yourself out, fuel when you run dry, a wheel change at the roadside. The three small calls a basic contract often charges for. | - | €12Hellas Direct | €16Interamerican | +33%10 companies |
| Replacement carA car for the days your own is at the garage after a breakdown, with the limit of days that the policy states. The full policy includes it. | Pays for accommodation, your return trip and a replacement car. | €44Μινέττα Ασφαλιστική | €50Interamerican | +14%4 companies |
Minimum premium: from €20 to €27 depending on the company. No price falls below its own.
Instalments: in two halves the year costs 7% to 8% more, and in four quarters 14% to 16%, by company.