Apeiron Insurance Project Motor third-party liability (Auto Standard Advance Value Full)

Bonus-Malus protection is included as a standard benefit in the Standard and Advance tiers, preventing rating deterioration if the insured is at fault in two claims during the policy period.

Coverage for damages caused by uninsured vehicles is included in the Standard and Advance tiers as a standard benefit, not an optional add-on.

Accident scene management ('Φροντίδα Ατυχήματος') — including on-site incident recording and vehicle towing from the accident scene — is included in the base policy at no additional charge.

The product is underwritten by Zavarovalnica Triglav d.d. (rated A stable by international agencies), reinsured by Munich Re, providing strong financial security for policyholders.

Driver restrictions

No coverage is provided when: (a) the driver does not hold a valid driving licence as required by law; (b) the driver is under the influence of alcohol, toxic substances, narcotics, or medication taken without prescription or in excessive dosage; (c) the vehicle is used for a purpose different from that stated in the registration certificate; (d) the vehicle participates in official or unofficial races, speed competitions, demonstrations, or related test drives; (e) damage results from the gross negligence or wilful act of the policyholder, insured, or driver.

Section: Υπάρχουν περιορισμοί στην κάλυψη; > Περιορισμοί κάλυψης στην Αστική Ευθύνη

Δεν καλύπτεται οδηγός που δεν έχει την προβλεπόμενη στο νόμο άδεια οδήγησης. Δεν παρέχεται κάλυψη, όταν ο οδηγός του αυτοκινήτου βρίσκεται κάτω από την επίδραση οινοπνεύματος ή τοξικών ουσιών. Δεν παρέχεται κάλυψη, όταν το όχημα χρησιμοποιείται για διαφορετική χρήση από αυτήν που καθορίζεται στην άδεια κυκλοφορίας. Δεν παρέχεται κάλυψη, όταν το ασφαλισμένο όχημα λαμβάνει μέρος σε επιδείξεις, εορταστικές παρελάσεις, επίσημους ή ανεπίσημους αγώνες, διαγωνισμούς ταχύτητας ή δεξιοτεχνίας και σε σχετικές δοκιμαστικές διαδρομές.

Claim notification deadline

The insured must notify the company in writing, immediately and no later than eight (8) working days from the date they became aware of the loss event. The insured must also cooperate fully with company representatives and loss adjusters, and must not admit liability, agree to any settlement, or take any action implying acceptance of the claim without the company's prior written consent.

Section: Ποιες είναι οι υποχρεώσεις μου

Nα ειδοποιεί την Εταιρία, εγγράφως, άμεσα, το αργότερο μέσα σε οκτώ (8) εργάσιμες μέρες από τότε που έλαβε γνώση για το ζημιογόνο γεγονός.

Bonus-malus rules

Bonus-Malus protection is included as a standard benefit in the Standard and Advance tiers: in the event of fault in two claims during the policy period, the insured's Bonus-Malus rating is protected and does not deteriorate. Standard Greek Bonus-Malus regulations otherwise apply for rating purposes.

Territorial scope

Mandatory MTPL coverage is valid in Greece, all EU/EEA member states, and other countries whose National Insurance Bureaux are party to the Multilateral Guarantee Agreement (Green Card system). Optional coverages apply within Greece only, unless otherwise specified.