Extracted from source documents

AIG Motor third-party liability (Auto Standard)

Underwritten by AIG Europe S.A. (Greece Branch) · Greece

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

Last verified Aug 14, 2026Sources

Online purchase24/7 helpline

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 at partner garages for vehicles up to 7 years old.

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 up to 20% discount for careful drivers and combined-product discounts across home, personal accident, and vehicle insurance.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

StandardBenefitExtra
Optional

Legal Defence (Νομική Προστασία)

€1.5K – €5K

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.

Page 1

Section: Προαιρετικές καλύψεις

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

Covered

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.

Section: Συχνές Ερωτήσεις > 18. Με ποιο τρόπο μπορώ να αποκτήσω πράσινη κάρτα για να ταξιδέψω οδικώς στο εξωτερικό;

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.

Optional

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.

Section: Συχνές Ερωτήσεις > 4. Τι πρέπει να κάνω αν χρειαστώ Οδική Βοήθεια;

Στην περίπτωση που το αυτοκίνητό σας υποστεί βλάβη (στο εσωτερικό της χώρας ή στο εξωτερικό) και έχετε τη σχετική κάλυψη στο ασφαλιστήριο σας, μπορείτε να καλέσετε την Οδική Βοήθεια στο 2144092930 και θα εξυπηρετηθείτε από την εταρία MONDIAL ASSISTANCE S.A.

Optional

Driver Personal Accident (Προσωπικό Ατύχημα Οδηγού)

—

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.

Section: Προαιρετικές Καλύψεις Αυτοκινήτου

Αυτοπροστασία (Προσωπικό Ατύχημα) 30.000€ (επέκταση έως 9 μονάδες)

Excluded

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.

Key conditions

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.

Territorial scope

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.

Documents

Policy specifics

Third-Party Liability Coverage

Compulsory coverage for liability to third parties in motor accidents

Source

Section: Αυτοκίνητο Standard

Αστική Ευθύνη έναντι τρίτων (Σωματικές βλάβες) 1.300.000€

Road Assistance

24/7 roadside assistance service provided through partner network

Source

Section: Συχνές Ερωτήσεις > 5. Τι είναι η Βοήθεια Ατυχήματος;

1. 24ωρο τηλεφωνικό κέντρο αναγγελίας ζημιάς

European Coverage

Coverage extends to EU countries and countries with international insurance agreements

SourcePage 2

Section: Πού είμαι καλυμμένος;

Η κάλυψη Αστικής Ευθύνης ισχύει εντός της Ελληνικής επικράτειας. Με έκδοση πράσινης κάρτας, η κάλυψη επεκτείνεται στις χώρες της Ευρωπαϊκής Ένωσης, καθώς και στις χώρες με τις οποίες έχει συμφωνία το Γραφείο Διεθνούς Ασφάλισης.

Territorial Coverage Restrictions

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

SourceClause Άρθρο 4οPage 2

Section: Κεφάλαιο Α – Γενικοί Όροι Υποχρεωτικής Ασφάλισης Αστικής Ευθύνης από Ατυχήματα Αυτοκινήτων > ΑΡΘΡΟ 4ο - Τοπικά όρια ισχύος

Η Ασφάλιση ισχύει για τα όρια της Ελληνικής Επικράτειας, για τις χώρες της Ευρωπαϊκής Ένωσης, για το Ηνωμένο Βασίλειο, καθώς και για τις χώρες των οποίων τα Εθνικά Γραφεία Διεθνούς Ασφάλισης δεσμεύονται να εφαρμόζουν το Τμήμα ΙΙΙ της ενοποιημένης συμφωνίας, υπό την προϋπόθεση ότι το ασφαλισμένο όχημα θα εφοδιαστεί με σχετικό πιστοποιητικό διεθνούς ασφάλισης (πράσινη κάρτα).

Greek Language Precedence

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

SourcePage 6

Section: 6. GENERAL PROVISIONS

This Insurance Contract is drafted in Greek and translated into English, with the aim to facilitate non-Greek speaking Insureds. In the event of any discrepancies between the Greek and the English text of the Insurance Contract, the Greek text shall prevail.

Athens Jurisdiction

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

SourcePage 6

Section: 6. GENERAL PROVISIONS

This Insurance Contract and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with it or its subject matter or formation shall be governed by and construed in accordance with the laws of Greece and shall be subject to the exclusive jurisdiction of the competent courts of Athens, Greece.

Sources

AIG Motor third-party liability