Allianz European Reliance Single Member Insurance S.A.
Allianz
Allianz is a motor third-party liability insurance for the Greece market with online purchase and 24/7 assistance.
Direct payment
Claims for property damage from uninsured vehicles are covered up to the amount stated in the policy schedule. The 'Allianz Anyway' feature covers property damage up to €6,500 and bodily injury up to €12,000 per person / €30,000 for multiple persons from vehicles not participating in the Friendly Settlement system. Direct settlement (Φιλικός Διακανονισμός) applies where applicable under Greek law.
Geographic scope
Greece and EU/EEA member states (TPL); Europe and Mediterranean (roadside assistance)
All covers valid within Greek territory. Third-party liability also valid in EU/EEA member states and other states bound by the unified agreement. Roadside assistance and accident care valid in European and Mediterranean countries listed in the policy T&Cs.
Unique selling points
- Allianz Anyway feature covers property damage up to €6,500 and bodily injury up to €30,000 from vehicles outside the Friendly Settlement system, ensuring faster claim resolution.
- 24/7 accident care and roadside assistance (All Help) included as standard, available across European and Mediterranean countries.
- Legal protection included in the base MTPL product at no extra cost, a feature many competitors offer only as a paid add-on.
- Bonus-Malus protection supplementary coverage preserves the policyholder's BM class for one claim up to €30,000, preventing premium increases after a first incident.
- Allianz is ranked the world's number one insurance brand (Interbrand 2025), offering financial strength and claims-paying reliability backed by the global Allianz Group.
Coverage limits
Third-Party Bodily Injury Liability
€1,300,000
Covers bodily injury to third parties per victim up to the current statutory minimum limits required by Greek law (€1,300,000 per victim). The policy references 'current applicable mandatory minimum limits' per the IPID.
Third-Party Property Damage Liability
€1,300,000
Covers property damage to third parties per accident up to the current statutory minimum limits required by Greek law (€1,300,000 per accident). Also includes liability from towed vehicles. The policy references 'current applicable mandatory minimum limits' per the IPID.
Legal Protection
Covered
Legal protection is included in My Motor Basic Plus. The specific coverage amount is not stated in the IPID; full details are provided in the policy general and special terms.
Green Card / International Motor Insurance Certificate
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.
Roadside Assistance (All Help)
Covered
Roadside assistance and accident care (All Help) are included as standard. Accident towing and roadside assistance are provided in European and Mediterranean countries as listed in the policy T&Cs. Restricted to private cars, light commercial vehicles and agricultural vehicles up to 3.5 tonnes GVW, max height 2.5m, without dual rear axle wheels, and max 3.5m wheelbase. Available 24/7 on 2119909000.
Personal Accident for Driver
Covered
Personal accident coverage for the driver is included in My Motor Basic Plus. The specific insured sum is not stated in the IPID and is set in the individual policy schedule.
Passenger Personal 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.
Key conditions
Territorial scope
All coverages are valid within Greek territory. Third-party liability extends to EU/EEA member states and states bound by the unified Green Card agreement. Roadside assistance and accident care are valid in European and Mediterranean countries listed in the policy general and special terms.
Green card rules
The policy provides a Green Card (International Motor Insurance Certificate) for travel within EU/EEA member states and other countries bound by the unified agreement. Third-party liability cover applies at the mandatory minimum limits of each visited country.
Driver restrictions
Coverage is excluded for drivers without the legally required driving licence, and for drivers under the influence of alcohol or toxic substances at the time of the accident. Damage caused by intentional acts or gross negligence (in supplementary coverages) of insured persons is also excluded.
Claim notification deadline
In the event of an insured loss, the policyholder must notify the insurer in writing immediately and no later than within 8 working days, providing all information requested.
Bonus-malus rules
A Bonus-Malus (BM) protection supplementary coverage is available, covering one claim up to €30,000, protecting the policyholder's BM class. Standard Greek market bonus-malus rules apply to the base policy; no automatic renewal is provided.
Where to buy
Policy specifics
Third Party Bodily Injury and Property Damage
Not established from the insurer's documents
Mandatory third-party liability covering bodily injury and property damage to third parties
Allianz Anyway – Coverage from Non-Friendly-Settlement Vehicle
Covers damage caused by a vehicle not participating in the Friendly Settlement system. Property damage up to €6,500; bodily injury up to €12,000 per person and €30,000 for more than one person.
SourceRoadside Assistance Vehicle Restrictions
Roadside assistance and accident towing are provided only for private cars (EIX), light commercial vehicles (FIX) and agricultural vehicles with a maximum gross weight of 3.5 tonnes, height up to 2.5 metres, no dual rear-axle wheels, and wheelbase up to 3.5 metres.
SourceBonus-Malus Protection Claim Limit
The Bonus-Malus (BM) Protection supplementary coverage applies to one claim not exceeding €30,000 in value.
SourceGeographic Coverage
Third-party liability coverage is valid within EU/EEA member states and all states bound by the unified Green Card agreement. Roadside assistance covers European and Mediterranean countries per the T&C country table.
SourceNo Automatic Renewal
The policy does not renew automatically. Premium prepayment is required for each insurance period, including any subsequent periods following the first.
SourcePayment Methods
Premiums can be paid in cash at partner banks, by bank transfer, debit/credit card, or standing order. Standing order payments by credit card include a discount and interest-free instalments. Payment via the insurance intermediary is also accepted without extra charge upon simultaneous delivery of the policy document.
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