Motor third-party liability — Greece

[1] Bodily injury liability: €1,300,000 ↩

Compulsory coverage for death or bodily injury caused to third parties by the insured vehicle. Limit is €1,300,000 per victim, as mandated by Greek law (effective January 2022). Covers legal claims by third parties against the policyholder arising from traffic accidents.

Αστική Ευθύνη έναντι τρίτων (Σωματικές βλάβες) 1.300.000€

[2] Property damage liability: €1,300,000 ↩

Compulsory coverage for property damage caused to third parties by the insured vehicle. Limit is €1,300,000 per accident, as mandated by Greek law (effective January 2022). Family members of the policyholder or insured are excluded from property damage claims.

Αστική Ευθύνη έναντι τρίτων (Υλικές Ζημίες) 1.300.000€

[3] Legal defence: €1,500 – €5,000 ↩

Optional add-on covering legal costs (attorney fees, court fees, etc.) when the policyholder must pursue compensation in court following a road accident or bodily injury for which the insured vehicle is not at fault. Provided in partnership with ARAG SE.

Νομική Προστασία οχήματος και οδηγού με όριο €1.500 ή €5.000

[4] Green card: Covered ↩

AIG provides the Green Card (international insurance certificate) free of charge. It can be obtained by calling AIG Customer Service at 210 8127600. The Green Card confirms MTPL coverage validity across EU member states and Green Card signatory countries.

Η AIG σας παρέχει την πράσινη κάρτα δωρεάν. Καλέστε το Τμήμα Εξυπηρέτησης Πελατών της AIG στο 210 8127600 και εμείς θα φροντίσουμε για την άμεση έκδοσή της.

[5] Passenger accident: Excluded ↩

Separate passenger personal accident cover is not listed as an available coverage in the AIG Greece MTPL product line (Standard/Benefit/Extra). Third-party bodily injury liability covers passengers of the other vehicle involved in the accident. Passengers of the insured vehicle who are injured through the fault of the insured driver are covered under the compulsory MTPL bodily injury limit.

[6] Bodily injury liability: Covered ↩

Covers bodily injury to third parties per victim up to the minimum mandatory limits in force from time to time under Greek law. The IPID does not state a specific figure.

Σωματικές βλάβες τρίτων ανά θύμα έως τα εκάστοτε ισχύοντα ελάχιστα υποχρεωτικά όρια

[7] Property damage liability: Covered ↩

Covers property damage to third parties per accident up to the minimum mandatory limits in force from time to time under Greek law. Also includes liability from towed vehicles. The IPID does not state a specific figure.

Υλικές ζημιές τρίτων ανά ατύχημα έως τα εκάστοτε ισχύοντα ελάχιστα υποχρεωτικά όρια

[8] Legal defence: Excluded ↩

Legal protection is not listed among the covers included in My Motor Basic Plus. The IPID's list of covered and supplementary benefits (page 1) does not include legal protection; it appears only under the separate My Motor Value programme on the product page.

Σωματικές βλάβες τρίτων ανά θύμα έως τα εκάστοτε ισχύοντα ελάχιστα υποχρεωτικά όρια […] All Help (Οδική Βοήθεια από ατύχημα και Φροντίδα Ατυχήματος)

[9] Green card: Covered ↩

Third-party liability coverage extends to EU/EEA member states and all other states bound by the unified (Green Card) agreement, providing the mandatory minimum coverage required in each state.

εκτός της ασφάλισης της αστικής ευθύνης τρίτων που ισχύει και για τα Κράτη - Μέλη της Ε.Ε, τα κράτη του Ενιαίου Οικονομικού Χώρου ( Ε.Ο.Χ. ) και όσα λοιπά κράτη δεσμεύονται να εφαρμόσουν την ενοποιημένη συμφωνία.

[10] Passenger accident: Excluded ↩

Passenger personal accident coverage is not listed as an included coverage in My Motor Basic Plus. Third-party bodily injury liability covers passengers of the other vehicle involved in an accident caused by the insured. The owner/insured's own passengers may be considered third parties under Greek law, but a dedicated passenger accident benefit is not included in this product.

[11] Bodily injury liability: €1,300,000 ↩

Covers bodily injury or loss of life caused to pedestrians, drivers, or passengers of other vehicles involved in an accident, or passengers of the insured vehicle, up to €1,300,000 per person. Applies across all tiers (Basic, Value, Premium).

Σωματικές βλάβες/απώλεια ζωής σε πεζούς, οδηγούς ή επιβάτες άλλων οχημάτων που εμπλέκονται στο περιστατικό ή επιβάτες του δικού σας οχήματος, έως και €1.300.000 ανά άτομο.

[12] Property damage liability: €1,300,000 ↩

Υλικές ζημιές σε άλλα οχήματα ή άλλα αντικείμενα, όπως μάντρες, βιτρίνες, εισόδους καταστημάτων κ.α., έως και €1.300.000 ανά ατύχημα.

[13] Legal defence: €3,000 ↩

Optional add-on available across all tiers. Provides unlimited coverage in Greece for claiming compensation from third parties, criminal court defence, and contract disputes related to the vehicle. Coverage in EEA countries (excluding Greece) is up to €3,000 per year regardless of currency.

Η Νομική προστασία παρέχεται στην Ελλάδα με απεριόριστο όριο κάλυψης, αλλά και στις χώρες του Ενιαίου Ευρωπαϊκού Οικονομικού Χώρου (ανεξαρτήτως νομίσματος) μέχρι €3.000 τον χρόνο.

[14] Green card: Covered ↩

Compulsory MTPL coverage is valid in Greece, all EU member states, and the European Economic Area, in accordance with applicable law. The Green Card certifies the existence of compulsory third-party liability cover in the listed countries.

Η κάλυψη υποχρεωτικής αστικής ευθύνης προς τρίτους ισχύει εντός της Ελλάδας, των κρατών μελών της Ευρωπαϊκής Ένωσης και του Ενιαίου Οικονομικού Χώρου και των λοιπών κρατών των οποίων τα Εθνικά Γραφεία Διεθνούς Ασφάλισης δεσμεύονται να εφαρμόσουν το τμήμα ΙΙΙ της Ενοποιημένης Συμφωνίας και έχουν προσυπογράψει την “Πολυμερή Σύμβαση Εγγυήσεως μεταξύ Εθνικών Γραφείων Διεθνούς Ασφάλισης”, που εκδόθηκε στις 15 Mαρτίου 1991.

[15] Passenger accident: Excluded ↩

Passengers are covered as third parties under the mandatory MTPL bodily injury liability for injuries caused by the insured vehicle. A standalone passenger personal accident add-on is not listed among the supplementary coverages for the auto product line in the verified sources.

[16] Bodily injury liability: €1,300,000 ↩

Mandatory third-party bodily injury liability coverage up to the statutory minimum of 1,300,000 EUR per victim (Greek law, P.D. 237/1986 Art. 6(5) as amended by Law 5113/2024, effective 1 Jan 2022), included in all tiers (Standard, Advance, Value, Full). Covers bodily injury to third parties resulting from vehicle use.

Από 1ης Ιανουαρίου 2022 τα ελάχιστα ποσά ασφαλιστικής κάλυψης δεν μπορεί να είναι κατώτερα από τα ακόλουθα ποσά: α) Σε περίπτωση σωματικής βλάβης, ένα εκατομμύριο τριακόσιες χιλιάδες (1.300.000) ευρώ, ανά ζημιωθέντα.

[17] Property damage liability: €1,300,000 ↩

Mandatory third-party property damage liability coverage up to the statutory minimum of 1,300,000 EUR per accident (Greek law, P.D. 237/1986 Art. 6(5) as amended by Law 5113/2024, effective 1 Jan 2022), included in all tiers (Standard, Advance, Value, Full). Covers damage to third-party vehicles and property resulting from vehicle use.

β) Σε περίπτωση υλικής ζημίας, ένα εκατομμύριο τριακόσιες χιλιάδες ευρώ (1.300.000), ανά ατύχημα, ανεξάρτητα από τον αριθμό των ζημιωθέντων.

[18] Legal defence: Optional ↩

Optional coverage for legal expenses incurred in defending the insured. Available as 'Νομική Προστασία' or 'Νομική Προστασία Arag' add-on across all tiers. Covers legal costs for the insured's defence. Specific limits depend on the selected variant.

Νομική Προστασία/Νομική Προστασία Arag (κάλυψη νομικών δαπανών για την υπεράσπιση σας)

[19] Green card: Covered ↩

The mandatory MTPL coverage is valid in Greece, EU/EEA member states, and countries whose National Bureaux are party to the Multilateral Guarantee Agreement (the Green Card system), as signed on 15 March 1991. The Green Card serves as proof of insurance for international travel within these territories.

Η κάλυψη υποχρεωτικής αστικής ευθύνης προς τρίτους ισχύει εντός της Ελλάδας, των κρατών μελών της Ευρωπαϊκής Ένωσης και του Ενιαίου Οικονομικού Χώρου και των λοιπών κρατών των οποίων τα Εθνικά Γραφεία Διεθνούς Ασφάλισης δεσμεύονται να εφαρμόσουν το τμήμα ΙΙΙ της Ενοποιημένης Συμφωνίας και έχουν προσυπογράψει την “Πολυμερή Σύμβαση Εγγυήσεως μεταξύ Εθνικών Γραφείων Διεθνούς Ασφάλισης”, που εκδόθηκε στις 15 Μαρτίου 1991.

[20] Passenger accident: See details ↩

Passenger personal accident coverage is not listed as an available coverage in the IPID or product documentation. The driver personal accident cover explicitly covers only the driver, not passengers.

[21] Bodily injury liability: Not established from the insurer's documents ↩

Mandatory cover for legal liability of the owner, holder and any driver of the insured vehicle towards third parties for death or bodily injury caused during circulation. The maximum limit of insurer liability per accident is the amount stated in the individual policy schedule and cannot exceed that amount regardless of the number of injured parties.

Το ανώτατο όριο ευθύνης του ασφαλιστή για κάθε ατύχημα στο οποίο περιλαμβάνονται το κεφάλαιο, οι τόκοι, τα δικαστικά έξοδα και κάθε φύσεως αμοιβές τρίτων, δεν είναι δυνατό να υπερβεί το αναγραφόμενο στο ασφαλιστήριο ποσό.

[22] Property damage liability: Not established from the insurer's documents ↩

Mandatory cover for legal liability towards third parties for property damage caused during circulation of the insured vehicle. Excludes property carried in the insured vehicle and property of the policyholder, driver or their family members. The maximum limit per accident is the amount stated in the individual policy schedule.

υλικών ζημιών σε πρόσωπα που δεν ανήκουν στην οικογένεια του ασφαλισμένου, του οδηγού ή του λήπτη της ασφάλισης … υλικών ζημιών σε πράγματα που δεν μεταφέρονται με το ασφαλισμένο όχημα.

[23] Legal defence: Not established from the insurer's documents ↩

Optional cover (code 0014) providing up to €3,000 per insurance event for legal costs including lawyer fees, court costs, expert fees and opponent's costs awarded against the insured, arising from road traffic accidents, traffic offences and disputes related exclusively to the insured vehicle. Covers incidents within Greek territory and EU/EEA countries.

Η ασφάλιση Νομικής Προστασίας παρέχεται με την κάλυψη όλων γενικώς των δικαστικών εξόδων … και για ποσό μέχρι τρεις χιλιάδες ευρώ (3.000,00 €).

[24] Green card: Not established from the insurer's documents ↩

A vehicle normally stationed in Greece and leaving Greek territory must be equipped with a green card valid at minimum for EU/EEA member states and other countries whose National Insurance Bureaux are bound by the Unified Agreement. For third countries outside the EEA, a green card valid in those countries per Part II of the Unified Agreement is required. Once a green card is issued, the policy cannot be cancelled for its duration.

Αυτοκίνητο όχημα που έχει τον τόπο της συνήθους στάθμευσής του στην Ελληνική Επικράτεια και εξέρχεται από τα όρια αυτής, πρέπει να εφοδιάζεται με πιστοποιητικό διεθνούς ασφάλισης που ισχύει τουλάχιστον στο έδαφος των κρατών - μελών της Ευρωπαϊκής Ένωσης, των κρατών του Ενιαίου Οικονομικού Χώρου (Ε.Ο.Χ.) και των λοιπών κρατών.

[25] Passenger accident: Not established from the insurer's documents ↩

Optional cover (code 0010) extending the personal accident protection to the co-riding vehicle owner in addition to the driver. In the event of simultaneous death or bodily injury of both driver and co-riding owner, the compensation is shared proportionally without exceeding the insured capital for one person. Applies only within Greek territory.

Διευκρινίζεται ότι σε περίπτωση ατυχήματος με συνέπεια το Θάνατο ή τις Σωματικές Βλάβες συγχρόνως οδηγού και συνεπιβαίνοντος ιδιοκτήτου το ποσό της αποζημίωσης θα μοιράζεται αναλογικά συμμέτρως χωρίς αυτό να υπερβαίνει το ασφαλιζόμενο κεφάλαιο ενός ατόμου.

[26] Bodily injury liability: €1,300,000 ↩

Covers bodily injury and property damage caused to third parties. The source (IPID and asfaleies24 motorcycle page) states a single combined limit of €1,300,000 for both bodily injury and property damage — no separate sub-limits are disclosed.

[27] Property damage liability: €1,300,000 ↩

Covers property damage caused to third parties. The source states a single combined limit of €1,300,000 for both bodily injury and property damage liability — no separate figure is disclosed for property damage alone. Additionally, third-party fire liability has a sub-limit of €20,000, and property damage from a proven uninsured vehicle has a sub-limit of €30,000.

[28] Legal defence: Not established from the reviewed documents ↩

Legal protection (up to €1,200) is listed under the car 'Πακέτο Basic' section of the source page, but the motorcycle section ('Ασφάλεια μηχανής Caravela') lists only third-party liability, fire liability, uninsured-vehicle damage and accident care; legal protection is not confirmed for the motorcycle product.

Αστική ευθύνη προς τρίτους για υλικές ζημιές και σωματικές βλάβες. Όριο €1.300.000,00 Αστική ευθύνη προς τρίτους από πυρκαγιά. Όριο €20.000,00 Υλικές ζημιές από ανασφάλιστο όχημα. Όριο €30.000,00 Φροντίδα ατυχήματος

[29] Green card: Conditional ↩

The Green Card (international insurance certificate) extends third-party liability coverage to Green Card member countries beyond the EU/EEA. Issuance requires a prior written request by the policyholder. This is a standard feature of Greek MTPL policies confirmed by the product's territorial scope.

[30] Passenger accident: Excluded ↩

No passenger personal accident coverage is mentioned in any of the verified motorcycle-specific sources for the Basic MTPL product. Passenger injuries caused by the insured vehicle to third parties are covered under the mandatory third-party bodily injury liability clause.

[31] Bodily injury liability: Covered ↩

Mandatory civil liability coverage for bodily injuries caused to third parties by the insured vehicle. The insured amount is set at the statutory minimum as defined by Greek law at the time of the policy, and is the same across all ERGO My Auto tiers (Simple through Superior Plus). No specific euro amount is stated in the IPID or pre-contractual documents; the policy refers to 'the amount defined by law at any given time'.

Σε όλα τα παραπάνω προγράμματα ασφάλισης, το ασφαλιζόμενο ποσό για την κάλυψη Αστικής ευθύνης από την κυκλοφορία του οχήματος είναι το εκάστοτε οριζόμενο από το Νόμο.

[32] Property damage liability: Covered ↩

Mandatory civil liability coverage for property damage caused to third parties by the insured vehicle. The insured amount is set at the statutory minimum as defined by Greek law at the time of the policy. Present in all ERGO My Auto tiers. The IPID states the insured amount for civil liability coverage is 'the amount defined by law at any given time', with no specific euro figure provided.

Σε όλα τα παραπάνω προγράμματα ασφάλισης, το ασφαλιζόμενο ποσό για την κάλυψη Αστικής ευθύνης από την κυκλοφορία του οχήματος είναι το εκάστοτε οριζόμενο από το Νόμο.

[33] Legal defence: €3,000 – €15,000 ↩

Two legal protection options are available: (1) Criminal legal protection up to €3,000, included in Advanced Plus, Total Plus, and Superior Plus tiers; available as an optional add-on in Simple and Simple Plus tiers. (2) Legal protection (A/B) up to €15,000, available as an optional add-on across all tiers. The range €3,000–€15,000 reflects the min/max limits across coverage types and tiers.

Ποινική νομική προστασία (S, SP) ✓ Νομική προστασία (Α/Β) έως 15.000€

[34] Green card: Conditional ↩

The mandatory civil liability coverage applies in Greece, EU member states and EEA states. For other countries covered by the Green Card system, a Green Card certificate is issued under agreements between national insurance bureaux. Supplementary covers (own damage, driver accident, etc.) apply in Greece only unless otherwise specifically agreed in writing.

Η κάλυψη της εκ του Νόμου υποχρεωτικής αστικής ευθύνης ισχύει εντός της Ελλάδας, των κρατών μελών της Ευρωπαϊκής Ένωσης και του Ενιαίου Οικονομικού Χώρου και των λοιπών κρατών για τα οποία εκδίδεται πιστοποιητικό ασφάλισης «Πράσινη Κάρτα» σύμφωνα με τις σχετικές συμφωνίες των Εθνικών Γραφείων Διεθνούς Ασφάλισης των κρατών αυτών.

[35] Passenger accident: See details ↩

No dedicated passenger personal accident coverage is mentioned in the IPID or pre-contractual documents for ERGO My Auto. The product offers driver accident coverage (Ατύχημα οδηγού) but not a separate passenger accident benefit. Third-party bodily injury liability covers passengers of third-party vehicles as injured parties, not as insured persons.

[36] Bodily injury liability: Covered ↩

Mandatory coverage for death, bodily injury or health damage suffered by third parties as a result of a road accident caused by the insured vehicle, including monetary compensation for psychological distress in case of death. Coverage also applies to family members of the insured/driver per Greek law. Statutory minimum limits under Greek law (Law 489/1976 as amended) apply; specific EUR limits are not stated in the product IPID.

[37] Property damage liability: Covered ↩

Mandatory coverage for material damage to third-party property caused by the insured vehicle in a road accident. Includes coverage for collision with an uninsured vehicle that is at fault. Statutory minimum limits under Greek law apply; specific EUR limits are not stated in the product IPID.

[38] Legal defence: Optional ↩

Optional coverage providing legal protection due to the vehicle's involvement in road accidents or specific traffic violations. Not available for policyholders who intentionally committed the offence. Available as an optional add-on in the Full Auto Standard tier; included as standard in Auto Protect Έξτρα and Προνομιακό tiers.

Νομική Προστασία

[39] Green card: Covered ↩

The MTPL coverage is valid in Greece, EU member states, EEA countries, and other countries whose National Insurance Offices are bound to apply Section III of the Unified Agreement, in accordance with the Green Card system. A specific monetary coverage value does not apply; territorial validity under the Green Card system is inherent to the mandatory MTPL.

Η κάλυψη αστικής ευθύνης ισχύει στην Ελλάδα, στα κράτη-μέλη της Ευρωπαϊκής Ένωσης, στα κράτη του Ευρωπαϊκού Οικονομικού Χώρου και στις χώρες των οποίων τα Εθνικά Γραφεία Διεθνούς Ασφάλισης εφαρμόζουν την Ενοποιημένη Συμφωνία.

[40] Passenger accident: Excluded ↩

Separate passenger accident insurance is not listed as a coverage in the Full Auto or Auto Protect product IPIDs. Third-party bodily injury liability (including passengers who qualify as third parties under law) is covered under the mandatory MTPL. Bodily injuries or death of persons not considered third parties under the law are explicitly excluded.

[41] Bodily injury liability: €1,300,000 ↩

Compulsory civil liability coverage for bodily injury to third parties caused by the insured vehicle. Included from the Bronze tier upwards. Bodily injury liability is covered up to EUR 1,300,000 per victim (IPID, Bronze package).

Αστική Ευθύνη για Σωματικές Βλάβες τρίτων ανα θύμα έως το κεφάλαιο των € 1.300.000

[42] Property damage liability: €1,300,000 ↩

Compulsory civil liability coverage for property damage to third parties caused by the insured vehicle. Included from the Bronze tier upwards. Property damage liability is covered up to EUR 1,300,000 per accident (IPID, Bronze package).

Αστική Ευθύνη για Υλικές ζημιές τρίτων ανά ατύχημα έως το κεφάλαιο των € 1.300.000

[43] Legal defence: Covered ↩

Legal advice is included in the Bronze tier and above. Specific coverage limits or indemnity amounts are not published in the retrievable sources.

[44] Green card: Covered ↩

The Green Card certifies valid MTPL insurance and extends civil liability coverage to countries of the EU/EEA and those with Motor Insurers' Bureau agreements. A Green Card is not required when travelling to EEA countries (EU member states, Norway, Iceland, Switzerland, Liechtenstein), Andorra, and Serbia if the policy is issued with Latin characters. For other Green Card system countries, the card must be obtained from Euroins Greece prior to travel. The Green Card covers civil liability only, not optional coverages such as fire or theft.

[45] Passenger accident: Excluded ↩

Separate passenger accident insurance is not listed as a distinct coverage in the AutoSafe passenger car package tiers (Bronze through Platinum). Passenger bodily injury is covered under the compulsory third-party liability coverage when caused by the insured vehicle. No standalone passenger accident benefit found in sources.

[46] Bodily injury liability: €1,300,000 ↩

Mandatory third-party liability coverage for bodily injury caused to others by the insured vehicle, up to €1,300,000 per victim.

Για σωματικές βλάβες, μέχρι 1.300.000€ ανά θύμα.

[47] Property damage liability: €1,300,000 ↩

Mandatory third-party liability coverage for property damage caused to others by the insured vehicle, up to €1,300,000 per accident.

Για υλικές ζημιές, μέχρι 1.300.000€ ανά ατύχημα.

[48] Legal defence: Optional ↩

Legal protection coverage is available as an optional add-on to the Safe Drive Standard policy. It is not provided when the insured vehicle is driven without a licence, without the insured's consent, without registration, or under the influence of alcohol or substances; nor for incidents abroad; nor for disputes arising from other contracts with the company; nor in cases of intentional criminal acts.

Η ασφάλεια σας απαλλάσσει από το οικονομικό βάρος τυχόν νομικής διαφοράς και αναλαμβάνει:

[49] Green card: Covered ↩

Eurolife FFH ΑΕΓΑ issues the Green Card free of charge for travel abroad. The Green Card certifies that the insured has third-party liability coverage in EU member states and in other countries participating in the Green Card System.

Η Eurolife FFH ΑΕΓΑ αναλαμβάνει την έκδοση της Πράσινης Κάρτας σας δωρεάν. Η Πράσινη Κάρτα πιστοποιεί ότι έχετε κάλυψη αστικής ευθύνης:

[50] Passenger accident: See details ↩

No passenger personal accident coverage is described in the Safe Drive Standard MTPL product. Passengers are covered for third-party bodily injury under the mandatory MTPL liability (bodily_injury_liability field), but a separate passenger accident benefit is not evidenced in the sources.

[51] Bodily injury liability: €1,300,000 ↩

Mandatory third-party liability coverage for bodily injury caused to third parties by the insured vehicle. Both Euro Public and Euro Popular tiers carry the same limit of €1,300,000. Pricefox (third-party aggregator) lists €1,220,000, but the official insurer product pages state €1,300,000, which is treated as authoritative.

Αστική Ευθύνη – Σωματικές Βλάβες: € 1.300.000

[52] Property damage liability: €1,300,000 ↩

Mandatory third-party liability coverage for property damage caused to third parties by the insured vehicle, up to EUR 1,300,000 per accident, per the insurer's IPID. This mirrors the bodily-injury limit, which the IPID states per victim rather than per accident.

Υλικές Ζημιές τρίτων έως 1.300.000 € ανά ατύχημα που προκάλεσε το ασφαλισμένο όχημα.

[53] Legal defence: €2,000 ↩

Legal protection coverage with a limit of EUR 2,000 is included in the Euro Popular tier, which adds this benefit on top of Euro Public, per the insurer's IPID.

Νομική Προστασία Η Εταιρεία αναλαμβάνει τις ενδεχόμενες δικαστικές δαπάνες για την υπεράσπιση των έννομων συμφερόντων του ασφαλισμένου σε περίπτωση ζημιάς με το ασφαλισμένο όχημα.

[54] Green card: Covered ↩

The MTPL coverage automatically extends to Greece, all EU/EEA member states, and other states whose national bureaux apply Section III of the Unified Agreement (Crete Agreement 2002). For other countries within the wider Green Card system, a Green Card certificate is required and is issued only upon the policyholder's/insured's prior written request and against an additional premium.

Η ασφάλιση Αστικής Ευθύνης ισχύει για τα όρια της Ελληνικής επικράτειας, για τα κράτη-μέλη της Ευρωπαϊκής Ένωσης, του Ενιαίου Οικονομικού Χώρου, καθώς και των λοιπών κρατών των οποίων τα Εθνικά Γραφεία Διεθνούς Ασφάλισης δεσμεύονται να εφαρμόσουν το τμήμα ΙΙΙ της Ενοποιημένης Συμφωνίας, (Συμφωνία της Κρήτης 2002).

[55] Passenger accident: See details ↩

No specific passenger accident cover is listed as included or available in the Euro Public or Euro Popular packages. Third-party bodily injury liability covers injured passengers as third parties, but a dedicated passenger accident benefit is not offered.

Προσωπικό ατύχημα οδηγού €3.000 έως €15.000

[56] Bodily injury liability: Covered ↩

Mandatory third-party liability coverage for death or bodily injuries caused to third parties by the circulation of the insured vehicle. Coverage amount is stated in the policy schedule (ΠΙΝΑΚΑΣ ΚΑΛΥΨΕΩΝ) and is not specified in the IPID or general terms for this product variant.

[57] Property damage liability: Covered ↩

Mandatory third-party liability coverage for material damages to third-party property caused by the circulation of the insured vehicle. Coverage amount is stated in the policy schedule (ΠΙΝΑΚΑΣ ΚΑΛΥΨΕΩΝ) and is not specified in the IPID or general terms for this product variant. Also covers liability from vehicle fire/explosion, liability within guarded parking areas, and liability during transport/loading/unloading of the vehicle.

[58] Legal defence: Not established from the insurer's documents ↩

Legal defence coverage is an optional add-on (Κεφάλαιο Ε of the General Terms). It covers legal costs, attorney fees (up to limits set by the Greek Bar Code, Law 4194/13), court costs, and related expenses for claims arising from traffic accidents. Coverage is limited to Greece. Not included in the Pilote Eco 101 base product; must be purchased separately.

αναλαμβάνει με το παρόν ΠAPAPTHMA και σε συνάρτηση με τους "Γενικούς όρους ασφάλισης αστικής ευθύνης αυτοκινήτων, και προαιρετικών καλύψεων"...έναντι καταβολής ασφαλίστρου όπως αναφέρεται στον "ΠINAKA KAΛYΨEΩN" του ασφαλιστηρίου...τη συμβατική δέσμευση ανάληψης των δικαστικών εξόδων και άλλων υπηρεσιών που απορρέουν από την παρούσα ασφαλιστική κάλυψη παροχής Νομικής Προστασίας προς τον Aσφαλισμένο

[59] Green card: Not established from the insurer's documents ↩

The compulsory MTPL coverage is valid within Greece and in all countries under PD 237/86 (standard Green Card countries). Extension to countries outside this scope requires a special written certificate from the Company following a written request by the policyholder and payment of additional premium. Once a Green Card has been issued for foreign coverage, the policy cannot be cancelled for its duration.

H υποχρεωτική ασφάλιση αστικής ευθύνης ισχύει για τα γεωγραφικά όρια της Ελλάδος, καθώς και για τα όρια των χωρών που κατά νόμο (Π.Δ. 237/86) ισχύει. Για τις υπόλοιπες χώρες, εκτός των ανωτέρω, απαιτείται ειδική έγγραφη βεβαίωση της Εταιρείας, κατόπιν προηγούμενης έγγραφης αίτησης του Λήπτη της ασφάλισης με την καταβολή πρόσθετων ασφαλίστρων.

[60] Passenger accident: Not established from the insurer's documents ↩

Passenger accident coverage is part of the optional Personal Accident insurance (Κεφάλαιο Δ, Άρθρο 12). In case of a group accident where the owner and co-owners are co-passengers, the death and permanent disability capital doubles and is split equally among covered victims. Not included in the Pilote Eco 101 base product.

Σε περίπτωση τροχαίου ατυχήματος με το ίδιο ασφαλισμένο όχημα, στο οποίο συνεπιβαίνει(ουν) και ο ιδιοκτήτης ή οι συνιδιοκτήτες του (ομαδικό ατύχημα), το κεφάλαιο θανάτου και μόνιμης ανικανότητας διπλασιάζεται και η αποζημίωση μοιράζεται σε ίσα μέρη, ανάλογα με τον αριθμό των παθόντων που καλύπτονται από την ασφάλιση αυτή.

[61] Bodily injury liability: €1,300,000 ↩

Covers bodily injury, death, or permanent disability caused to third parties (including passengers) arising from the use of the insured vehicle. The statutory minimum limit is €1,300,000 per victim per accident as of January 2022, in line with EU Directive 2021/2118. The maximum liability per accident cannot exceed the limit stated in the policy.

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).

[62] Property damage liability: €1,300,000 ↩

Covers property damage caused to third parties arising from the use of the insured vehicle. The statutory minimum limit is €1,300,000 per accident as of January 2022. Also covers property damage caused by cargo protruding from or transported by private light trucks during movement (subject to conditions). Damage from bad loading or stacking is excluded.

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).

[63] Legal defence: €6,000 ↩

Covers legal fees and court costs for claiming civil compensation from third parties for property damage and bodily injury arising from road accidents. Also includes criminal defence for violations of the Highway Code, licence suspension, and charges of causing death or injury. Coverage applies only to insured events occurring in Greece. The insured amount per claim is €6,000, representing the maximum for all parties under the same policy.

Καλύπτουμε τις αναγκαίες δαπάνες για τη διαφύλαξη και την άσκηση των νόμιμων δικαιωμάτων σου ενώπιον των ελληνικών δικαστηρίων σε περίπτωση τροχαίου ατυχήματος.

[64] Green card: Covered ↩

The Green Card is an international insurance certificate issued by Hellas Direct free of charge and sent electronically together with the policy. It is valid for the full duration of the policy. A Green Card is required when travelling to countries not in the EU/EEA system, including Albania, Azerbaijan, Bosnia & Herzegovina, Iran, Israel, Belarus, Morocco, Moldova, Ukraine, North Macedonia, Montenegro, Turkey, and Tunisia. The policyholder must print and carry it.

Εκδίδεται από εμάς, και σου τη στέλνουμε μαζί με το ασφαλιστήριό σου, μέσω email, χωρίς καμία χρέωση... Ισχύει για όλη τη διάρκεια του συμβολαίου σου.

[65] Passenger accident: See details ↩

A dedicated passenger personal accident cover is not offered as a standalone product by Hellas Direct. The Personal Accident cover (section 6 of the T&Cs) applies exclusively to the driver. Bodily injury to the driver and passengers in no-fault accidents with insured vehicles bearing Greek plates may be compensated under the 'HD Aποζημίωση εκτός φιλικού διακανονισμού' (section 16), subject to conditions and a cap of €30,000 per accident and €12,000 per injured person.

Σε περίπτωση που εμπλακείτε σε ατύχημα με άλλο όχημα, που φέρει ελληνικές πινακίδες κυκλοφορίας και αποδεικνύεται 100% η υπαιτιότητα του άλλου οχήματος καλύπτουμε τις υλικές ζημιές που προκλήθηκαν στο ασφαλισμένο όχημα και τις σωματικές βλάβες ζημιωθέντων προσώπων.

[66] Bodily injury liability: €1,300,000 ↩

Covers legal claims by third parties for death or bodily injury caused by the insured vehicle in circulation. The policy limit referenced in the policy schedule applies per accident and per victim separately. Per the interamerican.gr product page, the limit is up to €1,300,000 per person.

Σωματικές βλάβες/απώλεια ζωής σε πεζούς, οδηγούς ή επιβάτες άλλων οχημάτων που εμπλέκονται στο περιστατικό ή επιβάτες του δικού σας οχήματος, έως και €1.300.000 ανά άτομο.

[67] Property damage liability: €1,300,000 ↩

Covers legal claims by third parties for material damage caused by the insured vehicle in circulation. Applies per accident regardless of the number of claims. Per the interamerican.gr product page, the limit is up to €1,300,000 per accident. Does not cover property damage to persons related to the policyholder, items transported in the vehicle, or intentional acts.

Υλικές ζημιές σε άλλα οχήματα ή άλλα αντικείμενα, όπως μάντρες, βιτρίνες, εισόδους καταστημάτων κ.α., έως και €1.300.000 ανά ατύχημα.

[68] Legal defence: Not established from the insurer's documents ↩

Covers lawyer fees (per Bar Association fee scale), court costs, witness and expert fees, court bailiff fees, and opposing party costs when awarded against the insured. Coverage is provided in Greece (unlimited coverage limit) and in EU/EEA countries up to a maximum of €3,000. Covers vehicle legal protection, driver legal protection, and contractual disputes related to the insured vehicle.

Το ανώτατο όριο κάλυψης εκτός Ελλάδας είναι €3.000.

[69] Green card: Not established from the insurer's documents ↩

The MTPL coverage extends to EU/EEA member states and all countries that have co-signed the Multilateral Guarantee Agreement (Internal Regulations of the Council of Bureaux) dated 15 March 1991. For covered states, the liability limit is the higher of the local mandatory minimum or the Greek policy limit. The Green Card serves as the international insurance certificate for non-EEA countries.

τα λοιπά κράτη των οποίων τα Εθνικά Γραφεία Διεθνούς Ασφάλισης δεσμεύονται να εφαρμόσουν το τμήμα ΙΙΙ της Ενοποιημένης Συμφωνίας και έχουν προσυπογράψει την “Πολυμερή Σύμβαση Εγγυήσεως μεταξύ Εθνικών Γραφείων Διεθνούς Ασφάλισης”, που εκδόθηκε στις 15 Mαρτίου 1991.

[70] Passenger accident: Not established from the insurer's documents ↩

No separate passenger personal accident coverage is described in the INTERAMERICAN MTPL terms (Έκδοση 01.2021). The Personal Accident section covers only the driver of the insured vehicle. Third-party bodily injury claims from passengers are covered under the MTPL bodily injury liability.

[71] Bodily injury liability: €1,220,000 ↩

Σωματικές Βλάβες τρίτων € 1.220.000 ανά θύμα

[72] Property damage liability: €1,220,000 ↩

Υλικές Ζημιές τρίτων € 1.220.000 ανά ατύχημα

[73] Legal defence: Conditional ↩

Legal protection coverage including lawyer fees, court costs and costs of expert witnesses appointed by the court in accordance with applicable tariffs. Also covers opposing party's legal costs when awarded against the insured. In the Easy Drive tier, legal protection is an optional paid add-on. In Easy Gold and Easy Platinum tiers, legal protection is included in the package.

Πέραν των ανωτέρω, και με το πακέτο Easy Drive Gold παρέχονται προαιρετικές καλύψεις, κατ’ επιλογή του ενδιαφερόμενου, για «Θραύση Κρυστάλλων», για «Φυσικά Φαινόμενα», για «Κακόβουλες Ενέργειες Τρίτων», για «Εγγύηση Αξίας», ενιαίως για «Απώλεια Εγγράφων κατόπιν Κλοπής, Νομικές Συμβουλές, Προστασία από Μη Συμβατό ή Νοθευμένο Καύσιμο, Θραύση Εξωτερικών Καθρεπτών», για «Κάλυψη Αερόσακων», για «Νομική Προστασία», για «Οδική και Ταξιδιωτική Βοήθεια».

[74] Green card: Covered ↩

Third-party liability coverage extends automatically to EU/EEA member states and countries whose National Bureaux of International Insurance are bound by the Unified Agreement (Rethymno Agreement 2002). For other countries, a Green Card (International Insurance Certificate) must be issued upon prior written request and payment of additional premium. The insurer notifies the relevant Information Centre upon early termination of the policy.

Για τις υπόλοιπες χώρες, εκτός των ανωτέρω, απαιτείται έκδοση πιστοποιητικού διεθνούς ασφάλισης (Πράσινη Κάρτα), που ισχύει στις χώρες αυτές σύμφωνα με το Τμήμα ΙΙ της ως άνω ενοποιημένης συμφωνίας, κατόπιν προηγουμένης έγγραφης αίτησης του Λήπτη της Ασφάλισης ή / και του Ασφαλισμένου, με την έκδοση ειδικής πρόσθετης πράξης επέκτασης του ασφαλιστηρίου Συμβολαίου, με την καταβολή πρόσθετων ασφαλίστρων.

[75] Passenger accident: See details ↩

Separate passenger accident coverage is not explicitly offered as a distinct coverage in the Interasco motor policy. Third-party bodily injury liability covers injured passengers as third parties. The personal accident cover (driver/owner) does not explicitly extend to passengers beyond the vehicle owner co-travelling.

[76] Bodily injury liability: €1,300,000 ↩

Mandatory coverage for death or bodily injury caused to third parties (including vehicle occupants and pedestrians) arising from the negligent circulation of the insured vehicle. The insured capital is €1,300,000 per person per occurrence. Passengers of the insured vehicle are also covered as third parties. The insured sum is printed on the coverage table of each policy and cannot be exceeded including capital, interest, court costs, and any third-party fees.

Σωματικές βλάβες τρίτων κατ’ άτομο 1.300.000€

[77] Property damage liability: €1,300,000 ↩

Mandatory coverage for material damage caused to third-party property (other vehicles, property not belonging to family members, and not carried on the insured vehicle) arising from the negligent circulation of the insured vehicle. The insured capital is €1,300,000 per occurrence. The insurer's total liability, including capital, interest, and all fees, cannot exceed the amount stated on the policy coverage table (STOP LOSS clause).

Υλικές ζημιές τρίτων ανά γεγονός 1.300.000€

[78] Legal defence: Optional ↩

Optional legal protection coverage for road accidents occurring in Greece, covering: civil claims for property damage and bodily injury; criminal defence; counter-claims; driver defence in criminal courts; administrative appeals for licence suspension. Legal protection applies only to disputes involving the insured vehicle and only where Greek courts have jurisdiction. Coverage is provided up to the limit stated in the policy coverage table.

Νομική Προστασία για τροχαίο ατύχημα που έγινε στην Ελλάδα και μέχρι του ανώτατου ασφαλιστικού ποσού που αναγράφεται στον πίνακα καλύψεων του ασφαλιστηρίου κατά τη διάρκεια της ασφαλιστικής σύμβασης και μόνο για όσες υποθέσεις σχετίζονται κατά τα κατωτέρω με το ασφαλιζόμενο όχημα, δικαιούται μόνον ο κύριος και ο νόμιμος κάτοχος, καθώς και όποιος με την άδειά τους οδηγεί το ασφαλισμένο όχημα.

[79] Green card: Optional ↩

For travel in non-EEA third countries, the insured vehicle must carry an international insurance certificate (Green Card). This certificate is issued upon prior written request by the policyholder and/or the insured and payment of additional premium. It operates in accordance with Part II of the Consolidated Agreement.

Σε περίπτωση που το αυτοκίνητο όχημα κυκλοφορήσει στο έδαφος τρίτων χωρών που δεν ανήκουν στον Ε.Ο.Χ., πρέπει να είναι εφοδιασμένο με πιστοποιητικό διεθνούς ασφάλισης (πράσινη κάρτα), όπως ισχύει στις χώρες αυτές σύμφωνα με το τμήμα ΙΙ της Ενοποιημένης Συμφωνίας. Το πιστοποιητικό αυτό εκδίδεται κατόπιν προηγούμενης έγγραφης αίτησης του λήπτη της ασφάλισης ή/και του ασφαλισμένου καθώς και καταβολής πρόσθετων ασφαλίστρων.

[80] Passenger accident: Excluded ↩

Dedicated passenger personal accident coverage is not offered as a distinct optional cover in Interlife's MTPL product range. Passengers of the insured vehicle are covered as third parties under the mandatory bodily injury liability coverage. The driver accident cover under Article 19 of the T&Cs covers only the driver and does not extend to passengers.

[81] Bodily injury liability: Covered ↩

Compulsory coverage for third-party bodily injury and death liability caused by the insured vehicle, per victim. The policy states coverage is 'in accordance with the limits set by European and Greek legislation,' without specifying a monetary figure in the basic policy. Coverage includes compensation for pain and suffering and moral damages, as well as liability towards family members of the insured or driver regardless of family ties.

Αστική Ευθύνη για Σωματικές Βλάβες ανά θύμα Σύμφωνα με τα όρια ασφάλισης όπως αυτά καθορίζονται από την Ευρωπαϊκή & Ελληνική Νομοθεσία

[82] Property damage liability: €1,300,000 ↩

Compulsory coverage for third-party property damage liability caused by the insured vehicle. The policy states coverage is 'in accordance with the limits set by European and Greek legislation.' The current Greek statutory minimum per accident is €1,300,000 as required by Law 489/1976 as amended and EU Motor Insurance Directives. Items transported in the same vehicle are excluded from compulsory insurance.

Αστική Ευθύνη για Υλικές Ζημίες ανά ατύχημα Σύμφωνα με τα όρια ασφάλισης όπως αυτά καθορίζονται από την Ευρωπαϊκή & Ελληνική Νομοθεσία

[83] Legal defence: €10,000 ↩

Legal protection up to €10,000 covering: (a) pursuit of compensation claims under civil liability law; (b) appeals to administrative authorities for suspension or restriction of driving licence or vehicle registration; (c) criminal court defence for death or injury caused in a road accident, or for breach of traffic regulations not due to intent; (d) disputes arising from contractual obligations related to ownership or possession of the insured vehicle. The insured amount covers the total of all insurance events occurring during the policy period, reported within 6 months after the covered event and claimed within 2 years. Coverage applies within Greek territory only.

Νομική Προστασία 10.000 €

[84] Green card: Covered ↩

The policy extends coverage to EU member states and all countries whose National Bureaux of International Insurance have signed the Multilateral Guarantee Agreement of 15 March 1991 (Green Card system). For countries outside this scope, a special written confirmation from the insurer is required with payment of additional premiums. The Green Card is an internationally recognised proof of motor insurance validity.

Η ασφάλιση ισχύει για τα όρια της Ελληνικής Επικράτειας, για τις χώρες της Ευρωπαϊκής Ένωσης, καθώς και για τις χώρες των οποίων τα Εθνικά Γραφεία Διεθνούς Ασφάλισης έχουν προσυπογράψειτην από 15 Μαρτίου 1991 «Πολυμερή Σύμβαση Εγγυήσεως μεταξύ Εθνικών Γραφείων Διεθνούς Ασφάλισης».

[85] Passenger accident: Excluded ↩

Passenger personal accident coverage is not included in any Intersalonica MTPL package. The driver personal accident coverage (K01) covers only the driver. Third-party bodily injury liability (compulsory MTPL) covers injured passengers as third parties through the liability cover, but no standalone passenger accident benefit is provided.

[86] Bodily injury liability: Covered ↩

Mandatory third-party liability for bodily injury arising from the vehicle's circulation, at the statutory minimum limit in force at the time of the event. The policy also extends this liability cover to the learner driver during supervised practical training or practical examination, and to the driving instructor as a third party.

Αστική ευθύνη από την κυκλοφορία του οχήματος (τα εκάστοτε ισχύοντα ελάχιστα υποχρεωτικά όρια)

[87] Property damage liability: Covered ↩

Mandatory third-party liability for property damage arising from the vehicle's circulation, at the statutory minimum limit in force at the time of the event.

Αστική ευθύνη από την κυκλοφορία του οχήματος (τα εκάστοτε ισχύοντα ελάχιστα υποχρεωτικά όρια)

[88] Legal defence: €3,000 ↩

Legal protection coverage up to €3,000, covering legal defence costs when a lawyer's assistance is required, including for the learner driver's liability towards the driving instructor.

[89] Green card: Covered ↩

Third-party liability cover is extended to all EU/EEA member states and to countries participating in the Green Card international insurance bureau system. Extension of supplementary coverages to EU/EEA is also available under special clause E.O. 23.

[90] Passenger accident: See details ↩

Passenger personal accident cover is not among the coverages enumerated in the Car Pack 6 Εκπαιδευτικών IPID for this product; passengers' bodily injuries are addressed under the mandatory third-party liability section instead.

[91] Bodily injury liability: €1,300,000 ↩

Mandatory coverage for third-party bodily injury and death caused during vehicle operation, including passengers, up to €1,300,000 per person per accident.

Αστική Ευθύνη για Σωματικές Βλάβες τρίτων & επιβαινόντων κατ’ άτομο €1.300.000

[92] Property damage liability: €1,300,000 ↩

Mandatory coverage for third-party material/property damage caused during vehicle operation, up to €1,300,000 per accident.

Αστική Ευθύνη για Υλικές Ζημιές τρίτων κατ’ ατύχημα €1.300.000

[93] Legal defence: €4,000 ↩

Optional legal protection coverage available up to €4,000, covering legal defence costs arising from vehicle use.

Νομική Προστασία (έως ποσού €4.000)

[94] Green card: Covered ↩

The mandatory MTPL coverage extends to EU, EEA and all countries applying the unified agreement of National Bureaux of International Insurance (Green Card system), providing proof of valid third-party liability insurance abroad.

Η υποχρεωτική ασφάλιση Αστικής Ευθύνης έναντι τρίτων από την κυκλοφορία του οχήματος, ισχύει στην Ελληνική Επικράτεια, στην Ευρωπαϊκή Ένωση, στον Ενιαίο Οικονομικό Χώρο και στα Κράτη που εφαρμόζουν την ενοποιημένη συμφωνία των Εθνικών Γραφείων Διεθνούς Ασφάλισης.

[95] Passenger accident: €1,300,000 ↩

Passengers are covered under the mandatory bodily injury liability limit of €1,300,000 per person. This is part of the MTPL coverage, not a standalone personal accident benefit.

Αστική Ευθύνη για Σωματικές Βλάβες τρίτων & επιβαινόντων κατ’ άτομο €1.300.000

[96] Bodily injury liability: Covered ↩

Mandatory coverage for bodily injury or death caused to third parties in a road accident. The Greek statutory minimum limit is €1,300,000 per accident (as of January 2022), applicable to all insurers. Orizon's own published materials do not state a specific limit figure for this product line.

Bodily Injury to Third Parties ✓ ✓ ✓ ✓ ✓

[97] Property damage liability: Covered ↩

Mandatory coverage for property damage caused to third parties in a road accident. The Greek statutory minimum limit is €1,300,000 per accident (as of January 2022). Orizon's own published materials do not state a specific limit figure for this product line.

Material Damage to Third Parties ✓ ✓ ✓ ✓ ✓

[98] Legal defence: Conditional ↩

Legal protection for the vehicle and driver is included from the SILVER tier upwards, provided in cooperation with MONDIAL ASSISTANCE. Not included in the ECONOMY tier. Specific coverage limits are not published by Orizon online.

[99] Green card: Covered ↩

The mandatory MTPL policy in Greece is valid throughout EU member states and Green Card signatory countries, consistent with the EU Motor Insurance Directive. Orizon's product pages do not explicitly describe Green Card issuance terms for the car program.

[100] Passenger accident: See details ↩

Passenger personal accident coverage is not mentioned as an available coverage in Orizon's MTPL car insurance product pages.

[101] Bodily injury liability: Covered ↩

Covers third-party bodily injury, death, and moral damages arising from a traffic accident caused by the insured vehicle, up to the statutory minimum limit per victim as set by Greek law (Law 489/1976 as updated by Law 5113/2024). Personal Insurance explicitly states coverage up to the new civil liability limits per person for bodily injury, though no specific EUR amount is published on the product page.

Θωρακίζουμε εσάς, το αυτοκίνητό σας, τους συνεπιβαίνοντες αλλά και τους τρίτους με τα νέα όρια Αστικής Ευθύνης ανά άτομο, για Σωματικές Βλάβες και για τις Υλικές Ζημιές ανά ατύχημα.

[102] Property damage liability: Covered ↩

Covers third-party property damage arising from a traffic accident caused by the insured vehicle, up to the statutory minimum limit per accident as set by Greek law. Personal Insurance explicitly states coverage up to the new civil liability limits per accident for property damage, though no specific EUR amount is published on the product page.

Θωρακίζουμε εσάς, το αυτοκίνητό σας, τους συνεπιβαίνοντες αλλά και τους τρίτους με τα νέα όρια Αστικής Ευθύνης ανά άτομο, για Σωματικές Βλάβες και για τις Υλικές Ζημιές ανά ατύχημα.

[103] Legal defence: Covered ↩

Personal Insurance explicitly provides Legal Defence (Νομική Προστασία) as part of its motor insurance programmes, covering legal costs and representation related to covered accidents. Specific coverage limits are not published on the product page.

[104] Green card: Covered ↩

Greek MTPL policies include the International Motor Insurance Certificate (Green Card), providing proof of compulsory liability coverage valid in EU/EEA member states and Green Card member countries. Managed through the Motor Insurance Bureau of Greece (MIB-Hellas).

[105] Bodily injury liability: €1,300,000 ↩

Mandatory coverage for bodily injuries caused to third parties by the insured vehicle, at the Greek statutory minimum of €1,300,000 per accident. Included in all tiers: AUTO ECONOMY, AUTO BASIC, AUTO PLUS, and AUTO FULL.

Αστική Ευθύνη για σωματικές βλάβες και υλικές ζημιές.

[106] Property damage liability: €1,300,000 ↩

Mandatory coverage for property damage caused to third parties by the insured vehicle, at the Greek statutory minimum of €1,300,000 per accident. Included in all tiers: AUTO ECONOMY, AUTO BASIC, AUTO PLUS, and AUTO FULL.

Αστική Ευθύνη για σωματικές βλάβες και υλικές ζημιές.

[107] Legal defence: €3,000 ↩

Legal protection up to €3,000. Included as a base coverage in AUTO BASIC, AUTO PLUS and AUTO FULL tiers. In AUTO ECONOMY, legal protection (€3,000) is available only as an optional add-on. An optional extension of legal protection (additional €3,000) is also available as an add-on in BASIC.

Νομική προστασία (€ 3.000).

[108] Green card: Covered ↩

Extension of civil liability coverage to EU member states and EEA countries is included in all tiers. The Green Card (International Insurance Certificate) is available as an internationally recognised document for travel abroad. Included across AUTO ECONOMY, AUTO BASIC, AUTO PLUS, and AUTO FULL.

Επέκταση της κάλυψης Αστικής Ευθύνης από την κυκλοφορία του οχήματος, σε χώρες της Ευρωπαϊκής Ένωσης και του Ενιαίου Οικονομικού Χώρου.

[109] Passenger accident: See details ↩

Separate passenger personal accident coverage is not evidenced in the Ασφάλεια Εν Κινήσει product line sources. Third-party bodily injury liability covers passengers injured by the insured vehicle when they are third parties.

[110] Bodily injury liability: Covered ↩

Covers bodily injuries and property damage caused to third parties from the circulation of the insured vehicle, up to the limits prescribed by applicable Greek law. The exact insured amount is stated on the policy schedule.

Καλύπτουμε τις σωματικές βλάβες και τις υλικές ζημιές που θα προκληθούν σε τρίτους από την κυκλοφορία του αυτοκινήτου σου, με τα εκάστοτε όρια που προβλέπονται στη νομοθεσία μας.

[111] Property damage liability: Covered ↩

Covers property damage caused to third parties from the circulation of the insured vehicle, up to the statutory limits prescribed by Greek law. The exact insured amount is stated on the policy schedule.

Καλύπτουμε τις σωματικές βλάβες και τις υλικές ζημιές που θα προκληθούν σε τρίτους από την κυκλοφορία του αυτοκινήτου σου, με τα εκάστοτε όρια που προβλέπονται στη νομοθεσία μας.

[112] Legal defence: Covered ↩

Covers the holder or driver of the vehicle for pursuing compensation claims, defence in criminal courts, appeals to competent administrative authorities for reduction or elimination of administrative fines, and resolution of disputes arising from contractual obligations related to the status of owner or lawful holder. Included in the base cover of all three IX Επιβατικό packages (Fix 1, Fix 2, Fix 3); exact insured sum stated on policy schedule.

Σωματικές Βλάβες προς Τρίτους Υλικές Ζημιές προς Τρίτους Προσωπικό Ατύχημα Νομική Προστασία Δωρεάν Κάλυψη AUTOHELP Φυσικά Φαινόμενα/Χαλαζόπτωση

[113] Green card: Covered ↩

The Green Card is issued free of charge and covers third-party liability (bodily injury or property damage caused to third parties) from the circulation of the vehicle in foreign countries. While not mandatory for EEA countries, Syndea advises policyholders to always request issuance.

Η κάρτα χορηγείται δωρεάν και σας καλύπτει για την Αστική σας ευθύνη προς τρίτους, δηλαδή για σωματικές βλάβες ή υλικές ζημιές που θα προκληθούν σε τρίτους από την κυκλοφορία του οχήματος σε άλλο κράτος.

[114] Passenger accident: Excluded ↩

A separate passenger accident coverage is not evidenced as a distinct named benefit in the Syndea IX Επιβατικό product sources. The personal accident coverage referenced applies to the driver/owner only.

[115] Bodily injury liability: €1,300,000 ↩

Covers third-party claims for bodily injury arising from the use of the insured vehicle, up to 1,300,000 EUR per victim, in line with the minimum statutory limits set by Greek law (Bank of Greece Decision 195/3/29.11.2021 and Law 5113/2024) effective from 1 January 2022.

Σε περίπτωση σωματικής βλάβης 1.300.000 ευρώ, ανά θύμα.

[116] Property damage liability: €1,300,000 ↩

Covers third-party claims for property damage arising from the use of the insured vehicle, up to 1,300,000 EUR per accident regardless of the number of victims, in line with the minimum statutory limits set by Greek law (Bank of Greece Decision 195/3/29.11.2021 and Law 5113/2024) effective from 1 January 2022.

Σε περίπτωση υλικής ζημίας 1.300.000 ευρώ, ανά ατύχημα, ανεξάρτητα από τον αριθμό των θυμάτων.

[117] Legal defence: Optional ↩

Optional coverage for legal expenses incurred in the defence of the insured. Available as an add-on (Νομική Προστασία / Νομική Προστασία Arag). The specific coverage limit is not stated in the sources reviewed.

Νομική Προστασία/Νομική Προστασία Arag (κάλυψη νομικών δαπανών για την υπεράσπιση σας)

[118] Green card: Covered ↩

The compulsory third-party liability cover is valid in EU/EEA member states and in all countries whose National Insurance Bureaux have signed the Multilateral Guarantee Agreement of 15 March 1991, providing Green Card validity across these territories.

Η κάλυψη υποχρεωτικής αστικής ευθύνης προς τρίτους ισχύει εντός της Ελλάδας, των κρατών μελών της Ευρωπαϊκής Ένωσης και του Ενιαίου Οικονομικού Χώρου και των λοιπών κρατών των οποίων τα Εθνικά Γραφεία Διεθνούς Ασφάλισης δεσμεύονται να εφαρμόσουν το τμήμα ΙΙΙ της Ενοποιημένης Συμφωνίας και έχουν προσυπογράψει την “Πολυμερή Σύμβαση Εγγυήσεως μεταξύ Εθνικών Γραφείων Διεθνούς Ασφάλισης”, που εκδόθηκε στις 15 Μαρτίου 1991.

[119] Passenger accident: See details ↩

No standalone passenger accident coverage is listed in the verified sources for this product. Passengers as third parties are covered under the compulsory bodily injury liability limit.

[120] Bodily injury liability: Covered ↩

Mandatory coverage for bodily injury (including fatal injury) caused to third parties by the circulation of the insured vehicle. Covers death and personal injury of third parties. The maximum liability of the company per accident or per victim cannot exceed the amount stated in the policy for each peril, in accordance with Greek law (N.489/1976 as codified by PD 237/1986). The statutory minimum is EUR 1,300,000 per victim.

α) Σε περίπτωση σωματικής βλάβης 1.300.000 ευρώ, ανά θύμα.

[121] Property damage liability: Covered ↩

Mandatory coverage for property damage caused to third parties by the circulation of the insured vehicle. Covers damage to property not transported in the insured vehicle and belonging to persons outside the insured's family. The maximum liability per accident cannot exceed the amount stated in the policy. The statutory minimum is EUR 1,300,000 per accident.

β) Σε περίπτωση υλικής ζημίας 1.300.000 ευρώ, ανά ατύχημα, ανεξάρτητα από τον αριθμό των θυμάτων.

[122] Legal defence: Covered ↩

Included as a basic coverage in the BASIC E.I.X. product. Covers legal costs for: civil liability claims from road accidents (if actual damage exceeds EUR 400); criminal defence for death/injury caused by road accidents; defence for traffic violations involving custodial sentences or fines above EUR 300; administrative appeals for licence suspension; disputes from vehicle-related contracts with garages or dealers. Coverage applies exclusively within the Greek territory. The insured amount is stated in the policy schedule.

[123] Green card: Covered ↩

The MTPL coverage extends to EU member states, EEA states, and countries whose National International Insurance Offices commit to apply Section III of the Consolidated Agreement. Vehicles habitually stationed in Greece that travel abroad must be equipped with an international insurance certificate (Green Card) valid at least in EU/EEA and participating countries. For travel in third countries outside the EEA, the Green Card must be valid in those countries under Section II of the Consolidated Agreement. Failure to comply makes the owner, keeper, and driver jointly and severally liable to the company and the International Insurance Bureau.

[124] Passenger accident: Excluded ↩

Passenger accident is not a named coverage in the BASIC E.I.X. product. Third-party bodily injury liability (MTPL) covers passengers as third parties when the driver is at fault. A separate '24x365 Personal Cover' optional add-on covers the policyholder regardless of whether they are driving.