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AIG Europe S.A. (Greece Branch) / AIG Hellas S.A. Representation of Insurance Companies

AIG

AIG is a motor third-party liability insurance for the Greece market with online purchase and 24/7 assistance.

Last verified Aug 14, 2026Reviewed by: Desislava TsvetkovaAIG Europe S.A. (Greece Branch)
Online purchase24/7 helpline

Direct payment

AIG participates in the Greek Friendly Settlement system (Φιλικός Διακανονισμός), which allows the non-at-fault driver to claim directly from their own insurer for property damage and/or bodily injury arising from a road accident between two insured vehicles. Claims are settled within 5 working days of receiving the required documentation. A 24-hour claims notification line is available at 210 940 8676 and 211 107 5708.

Geographic scope

Greece and internationally (EU member states and Green Card signatory countries)

Primary coverage in Greece; MTPL-only coverage extended to EU member states and countries party to the Multilateral Guarantee Agreement (Green Card system). Optional coverages are suspended outside Greece until the vehicle is repatriated.

Unique selling points

  • Claims are settled within 5 working days of receiving all required documentation, with a 24-hour claims notification line available.
  • AIG's Easy Repair programme allows vehicle repairs at a partner network without upfront payment and with guaranteed workmanship quality control.
  • No depreciation applied to spare parts for vehicles up to 3 years old, protecting policyholders from age-related claim reductions on newer cars.
  • AIG participates in the Greek Friendly Settlement system, enabling direct and faster claim processing from the policyholder's own insurer after a non-fault accident.
  • Green Card provided free of charge, with multi-policy discounts of up to 20% for careful drivers and combined product discounts across home, personal accident, and vehicle insurance.

Coverage limits

Bodily Injury Third-Party Liability

Covered

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.

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Property Damage Third-Party Liability

Covered

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.

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Legal Defence (Νομική Προστασία)

Optional

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.

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Green Card (International Insurance Certificate)

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.

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Roadside Assistance (Οδική Βοήθεια)

Optional

Optional add-on providing 24/7 roadside and breakdown assistance in Greece and abroad, coordinated through MONDIAL ASSISTANCE S.A. Includes vehicle towing to a repair shop in the event of immobilisation. Accident roadside assistance (transfer to garage) is included in base cover. Breakdown roadside assistance requires the optional add-on.

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Driver Personal Accident (Προσωπικό Ατύχημα Οδηγού)

Optional

Optional add-on providing compensation for the driver in the event of bodily injury, permanent disability, or death resulting from a traffic accident. The minimum available cover limit is €30,000 per the AIG product range. Excludes injuries related to pre-existing conditions, intoxication, or intentional acts.

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Passenger Personal 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.

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Key conditions

Territorial scope

The policy is valid in Greece and, for the compulsory MTPL liability cover only, in all EU member states and countries signatory to the Multilateral Guarantee Agreement (Green Card system). Optional coverages applicable in Greece are automatically suspended when the vehicle travels abroad and are reinstated upon repatriation. For travel outside the Green Card area, additional written authorisation from AIG is required.

Green card rules

AIG provides the Green Card (international insurance certificate) free of charge upon request by calling 210 8127600. The Green Card certifies that the insured vehicle holds valid MTPL insurance recognised in EU member states and all countries party to the Green Card system. Outside the Green Card area, coverage applies only with prior written consent from AIG.

Driver restrictions

Drivers without a valid driving licence (including expired licences) are excluded. Drivers holding a foreign licence not recognised in Greece are excluded. Drivers under the age of 25 or with less than one year of driving experience may face restrictions or surcharges on optional coverages. Drivers over 70 years of age may face restrictions on new 24-hour medical protection coverage.

Claim notification deadline

Third-party claims arising from compulsory MTPL liability are subject to a 5-year statute of limitations from the date of the accident. Claims between the insurer and the policyholder arising from MTPL or optional coverages are subject to a 4-year limitation period from the end of the year in which they arose. AIG commits to settling claims within 5 working days of receiving all required documentation. The 24-hour claims line is 210 940 8676 and 211 107 5708.

Bonus-malus rules

AIG applies a claims-experience discount system. Careful drivers with no at-fault claims can receive up to 20% discount on premiums. Additional discounts include: 15% for annual policies, 10% for insuring 3 or more vehicles, 5% for 2 vehicles, 5% for hybrid vehicles, 10% for combined home and car insurance, 10% for combined personal accident insurance, 10% for insuring financial losses. An additional 5% discount is available for new vehicles with comprehensive cover. A 5% discount applies on the first policy renewal.

Where to buy

AIG Greece Official Car Insurance Page

Documents

Car Insurance Terms and Conditions (Όροι ασφάλισης αυτοκινήτου)

terms_and_conditions

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Insurance Product Information Document (IPID) - Auto Standard

ipid

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Pre-contractual Declaration (Προσυμβατική Δήλωση)

other

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Policy specifics

Third-Party Liability Coverage

Compulsory coverage for liability to third parties in motor accidents

Road Assistance

24/7 roadside assistance service provided through partner network

European Coverage

Coverage extends to EU countries and countries with international insurance agreements

Territorial Coverage Restrictions

Insurance valid within Greek territory, EU countries, UK, and countries with international insurance agreements

Greek Language Precedence

Insurance contract is drafted in Greek; in case of discrepancy with English translation, Greek text prevails

Athens Jurisdiction

Greek law applies; disputes subject to exclusive jurisdiction of Athens courts

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