Premium calculation · Vehicles

Taxi insurance

The reference case costs from €589 to €717 depending on the company. From there, 7 tables with 41 bands in all raise or lower the price - the same steps at every company, a different height.

10companies in the model

7factor tables

589 – €717the basic example, from the cheapest estimate to the dearest

5optional covers

The reference case

Every factor below is 1.00 for this case. Its price is each company's base, plus the rates on the sums it declares.

Engine size: 1,600
Year of first registration: 2,020
Current value (€): 12,000
Driver's age: 46
Years licensed: 24
Postcode: no postcode: the rural mainland
Last at-fault claim: never, or more than 10 years ago
Vehicles in the household: One

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
Third-party liabilityCovers only what the law requires. · the reference tier	€589INTERASCO	€717Interamerican	+22%10 companies
With legal and roadsideThis is the professional driver’s package.	€718INTERASCO	€874Interamerican	+22%10 companies
Fully comprehensiveCovers the taxi itself as well.	€1,445INTERASCO	€1,712Interamerican	+18%10 companies

The factors

The same bands at every insurer, different 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.

Engine size INTERASCOInteramerican

From × 0.79 to × 1.65 along the scale. Click a band or drag the control.

× 1,00

× 0.79× 0.86

up to 900 cc

× 0.84× 0.90

901 – 1,200 cc

× 1.00× 1.00

1,201 – 1,400 cc

× 1.09× 1.06

1,401 – 1,600 cc

× 1.18× 1.12

1,601 – 1,800 cc

× 1.26× 1.17

1,801 – 2,000 cc

× 1.46× 1.30

2,001 – 2,500 cc

× 1.65× 1.43

over 2,500 cc

Try it: 1,201 – 1,400 cc

× 1.00 ±0 € × 1.00 ±0 €

The table behind the figure

Band	INTERASCO	Interamerican
up to 900 cc	× 0.79	× 0.86
901 – 1,200 cc	× 0.84	× 0.90
1,201 – 1,400 cc	× 1.00	× 1.00
1,401 – 1,600 cc	× 1.09	× 1.06
1,601 – 1,800 cc	× 1.18	× 1.12
1,801 – 2,000 cc	× 1.26	× 1.17
2,001 – 2,500 cc	× 1.46	× 1.30
over 2,500 cc	× 1.65	× 1.43

Vehicle age INTERASCOInteramerican

From × 0.91 to × 1.00 along the scale. Click a band or drag the control.

× 1,00

× 0.91× 0.94

new, up to 2 years old

× 1.00× 1.00

3 – 5 years old

× 1.00× 1.00

6 – 9 years old

× 1.00× 1.00

10 – 14 years old

× 0.97× 0.98

15 – 19 years old

× 0.95× 0.97

20 years and older

Try it: 6 – 9 years old

× 1.00 ±0 € × 1.00 ±0 €

The table behind the figure

Band	INTERASCO	Interamerican
new, up to 2 years old	× 0.91	× 0.94
3 – 5 years old	× 1.00	× 1.00
6 – 9 years old	× 1.00	× 1.00
10 – 14 years old	× 1.00	× 1.00
15 – 19 years old	× 0.97	× 0.98
20 years and older	× 0.95	× 0.97

Age INTERASCOInteramerican

From × 0.97 to × 1.78 along the scale. Click a band or drag the control.

× 1,00

× 1.78× 1.51

18 – 22

× 1.46× 1.30

23 – 24

× 1.20× 1.13

25 – 29

× 1.05× 1.03

30 – 39

× 1.00× 1.00

40 – 54

× 0.97× 0.98

55 – 69

× 1.10× 1.07

70 – 74

× 1.33× 1.21

75 and over

Try it: 40 – 54

× 1.00 ±0 € × 1.00 ±0 €

The table behind the figure

Band	INTERASCO	Interamerican
18 – 22	× 1.78	× 1.51
23 – 24	× 1.46	× 1.30
25 – 29	× 1.20	× 1.13
30 – 39	× 1.05	× 1.03
40 – 54	× 1.00	× 1.00
55 – 69	× 0.97	× 0.98
70 – 74	× 1.10	× 1.07
75 and over	× 1.33	× 1.21

Years licensed INTERASCOInteramerican

From × 1.00 to × 1.26 along the scale. Click a band or drag the control.

× 1,00

× 1.26× 1.17

under 1 year

× 1.13× 1.09

1 – 2 years

× 1.05× 1.03

3 – 4 years

× 1.01× 1.01

5 – 9 years

× 1.00× 1.00

10 years and over

Try it: 10 years and over

× 1.00 ±0 € × 1.00 ±0 €

The table behind the figure

Band	INTERASCO	Interamerican
under 1 year	× 1.26	× 1.17
1 – 2 years	× 1.13	× 1.09
3 – 4 years	× 1.05	× 1.03
5 – 9 years	× 1.01	× 1.01
10 years and over	× 1.00	× 1.00

Region INTERASCOInteramerican

From × 0.94 to × 1.12 along the scale. Click a band or drag the control.

× 1,00

× 1.12× 1.12

Attica

× 1.06× 1.06

Thessaloniki

× 1.00× 1.00

Large cities

× 0.94× 0.94

Rest of mainland Greece

× 1.00× 1.00

Islands

× 1.03× 1.03

Greece, national average

Try it: Large cities

× 1.00 ±0 € × 1.00 ±0 €

The table behind the figure

Band	INTERASCO	Interamerican
Attica	× 1.12	× 1.12
Thessaloniki	× 1.06	× 1.06
Large cities	× 1.00	× 1.00
Rest of mainland Greece	× 0.94	× 0.94
Islands	× 1.00	× 1.00
Greece, national average	× 1.03	× 1.03

Last at-fault claim INTERASCOInteramerican

From × 0.96 to × 1.39 along the scale. Click a band or drag the control.

× 1,00

× 1.39× 1.26

within the last year

× 1.20× 1.13

1 – 2 years ago

× 1.08× 1.05

3 – 4 years ago

× 1.00× 1.00

5 – 9 years ago

× 0.96× 0.97

never, or more than 10 years ago

Try it: 5 – 9 years ago

× 1.00 ±0 € × 1.00 ±0 €

The table behind the figure

Band	INTERASCO	Interamerican
within the last year	× 1.39	× 1.26
1 – 2 years ago	× 1.20	× 1.13
3 – 4 years ago	× 1.08	× 1.05
5 – 9 years ago	× 1.00	× 1.00
never, or more than 10 years ago	× 0.96	× 0.97

Vehicles in the household INTERASCOInteramerican

From × 0.92 to × 1.00 along the scale. Click a band or drag the control.

× 1,00

× 1.00× 1.00

one vehicle

× 0.95× 0.97

two vehicles in the same household

× 0.92× 0.95

three or more vehicles

Try it: one vehicle

× 1.00 ±0 € × 1.00 ±0 €

The table behind the figure

Band	INTERASCO	Interamerican
one vehicle	× 1.00	× 1.00
two vehicles in the same household	× 0.95	× 0.97
three or more vehicles	× 0.92	× 0.95

Rates on declared sums

Whatever is priced on a sum you declare, the value, the building, the capital, enters the price before the factors.

Cover	In tiers	Cheapest	Dearest
Own damage, 3.5% on €12,000on €12,000	Covers the taxi itself as well.	34.56‰€415 · INTERASCO	38.16‰€458 · Interamerican

Extra covers

A flat price a year, unless the tier already includes it.

Cover	Inside the tier	Cheapest	Dearest	Spread
Roadside assistanceThey come and get you when you break down, not only after an accident but also with a flat battery or a puncture. Most people think they have it; half of all policies cover accidents only.	This is the professional driver’s package.Covers the taxi itself as well.	€26INTERASCO	€31Interamerican	+19%10 companies
Glass breakageA windscreen costs 200 to 700 euros and breaks from one stone on the motorway. The most used cover after roadside assistance.	Covers the taxi itself as well.	€28INTERASCO	€34Interamerican	+21%10 companies
Legal protectionA lawyer at the company's expense when the other driver is at fault and their insurer refuses to pay. It costs a few euros a year and is the difference between claiming and letting it go.	This is the professional driver’s package.Covers the taxi itself as well.	€9INTERASCO	€11Interamerican	+22%10 companies
Driver's personal accidentThird-party liability covers whoever you hit, not you. This covers you, if you are at fault.	This is the professional driver’s package.Covers the taxi itself as well.	€11INTERASCO	€13Interamerican	+18%10 companies
Replacement carThey give you a vehicle while yours is in the workshop. It makes sense if the car is how you get to work and there is no second one.	-	€54Μινέττα Ασφαλιστική	€62Interamerican	+15%3 companies

Minimum premium: from €353 to €430 depending on the company. No price falls below its own.