Driver Protection
Taking care of your drivers
“Driver Protection” Policy
The “Driver Protection” insurance policy is offered through the Fleet Management services provided by Ayvens Greece to its Clients by the Insurance Company “Ayvens Insurance” of the Societe Generale Group.
Policy Activation
The policy is activated when a fleet vehicle which has been incorporated in the policy is involved in a motor accident, in which the beneficiaries of the policy were injured or lost their life.
Note: A motor accident is an accident caused by collision, impact, swerving, overturning or fall of the vehicle.
The Policy is addressed to the following persons
The person(s) declared to Ayvens Greece as the Driver(s) of the vehicle and the spouse(s) of such Driver(s). The coverage applies to the person who drove the vehicle when the accident occurred on condition that the fleet vehicle is included in the policy.
Notes: driver means the person who drives the fleet vehicle, is between 18-70 years old, has a valid driving license and has been declared to Ayvens Greece. The driver’s spouse must be between 18-70 years old.
Beneficiaries of Policy Benefits
The Driver, his/her spouse and their legal heirs.
Benefits
€20,000 in case of Driver’s and his/her spouse’s Loss of Life
If the protected persons (Driver - spouse) lose their life in a motor accident, the amount of €20,000 shall be immediately paid to their legal heirs.
If the protected persons (Driver - spouse) become totally and permanently disabled and/or incapacitated, as defined below, they shall be paid immediately the amount of €20,000.
Injury-Loss Event | Benefit Percentage |
|---|---|
Loss of two upper or lower limbs | 100% |
Total loss of vision in both eyes | 100% |
Total loss of vision in one eye and loss of one arm or one leg | 100% |
Total incurable paralysis | 100% |
Speech loss and hearing loss in both ears | 100% |
Loss of one arm and one leg | 100% |
- €20.000 in case of partial disability caused to the Driver and his/her spouse.
If the protected persons (Driver - spouse) become partially and permanently disabled and/or incapacitated, they shall be immediately paid 50% of the benefit depending on the severity of the injury, as set out in the following table:
Injury-Loss Event | Benefit Percentage |
|---|---|
Loss of one arm and one leg | 50% |
Total loss of vision in one eye | 50% |
Speech Loss | 50% |
Hearing loss in both ears | 50% |
- €800 for medical expenses in the event of injury.
If the protected persons (Driver - spouse) use services provided by doctors (surgeons, anesthesiologists, physiotherapists etc) or are admitted to the hospital and undergo diagnostic or laboratory examinations or obtain medication, prosthetic aids etc due to an injury caused by a motor accident, they shall be paid an amount up to €800 for all the above.
Combination with other social security/insurance policies
The amounts of the policy benefits which are to be paid shall not be reduced due to the participation of the protected members in any public or private social security/insurance organizations or schemes.
Countries
Greece and abroad.
Actions taken after the accident
The following actions must be taken after the accident:
- Ayvens Greece must be informed of the accident and the injury suffered by the protected persons (Driver - spouse) by calling Driver’s Help Line +30 2106100050 within 8 days from the date of the accident.
- A Motor Accident Declaration must be filled in and sent (if the Accident Care has not been summoned).
Documents
The beneficiaries will be informed by the accident management team of Ayvens Greece about the documents they need in order to receive the payments.