Ατλαντική Ένωση Motor third-party liability (Mtpl Standard)

24/7 accident care service (Atlantic Help) dispatches a partner directly to the accident scene to handle documentation, photography, and vehicle towing at no charge to the insured.

Complimentary repair at authorized partner workshops in Athens and Thessaloniki with no cash outlay required, settling covered damages directly with the insured's chosen workshop.

Bonus protection (code 0028) add-on guarantees that a single claim in an annual period does not result in a category uplift in the bonus-malus scale, locking the insured's premium grade.

Atlantiki Assistance mobile app enables real-time location sharing with the emergency center for instant dispatch of roadside assistance, eliminating the need for phone communication in accident situations.

Driver restrictions

Not established from the insurer's documents

Coverage is excluded for: (1) a driver who does not hold the legally required licence for the vehicle category being driven, including failure to renew an expired licence due to age or failure to replace a foreign licence with a Greek one for permanent Greek residents; (2) driving under the influence of alcohol or toxic substances within the meaning of Article 42 of the Greek Highway Code, where this causally contributed to the accident; (3) use of the vehicle for a purpose other than that stated in the policy and registration documents. Special surcharges of 30% additional premium apply (up to €2,000 maximum) for drivers under 23 years of age or holding a licence issued within the 12 months prior to the accident, if not declared at policy inception.

Section: Γενικοί Όροι Υποχρεωτικής Ασφάλισης Αστικής Ευθύνης > Άρθρο 9. Γενικές Εξαιρέσεις

Αποκλείονται της ασφάλισης ζημίες προξενούμενες: 1. Από οδηγό που δεν έχει την από το νόμο και για την κατηγορία του οχήματος που οδηγεί, προβλεπόμενη άδεια οδήγησης.

Claim notification deadline

Not established from the insurer's documents

In the event of a loss, the policyholder and/or insured must notify the company in writing, without culpable delay and no later than eight (8) working days from the date the loss event came to their knowledge. Any judicial or extrajudicial document related to the loss must be forwarded to the company within eight (8) days. Culpable breach of this obligation gives the company the right to claim compensation up to €2,000.

Section: Γενικοί Όροι Υποχρεωτικής Ασφάλισης Αστικής Ευθύνης > Άρθρο 8. Γενικές Υποχρεώσεις του Λήπτη της Ασφάλισης ή και του Ασφαλιζομένου σε περίπτωση ζημίας

Να ειδοποιήσουν, εγγράφως, άμεσα χωρίς υπαίτια καθυστέρηση και το αργότερο εντός οκτώ (8) εργάσιμων ημερών από τότε που περιήλθε σε γνώση τους το ζημιογόνο γεγονός, την Εταιρία.

Bonus-malus rules

Not established from the insurer's documents

A bonus-malus scale with categories 2–20 applies. The base category for a first-time insured vehicle is category 10. Each claim in a 12-month period causes an upward shift in category according to: 1 claim = +2 grades, 2 claims = +5 grades, 3 claims = +8 grades, 4 claims = +11 grades, 5 claims = +14 grades, 6 claims = +17 grades (maximum category 20). Each claim-free 12-month period results in a downward shift of one grade (minimum category 2). Adjustments are calculated on the base-category-10 premium. The company may freely revise category percentages at each policy anniversary. Young drivers under 23 or with licence less than 1 year are subject to a 30% surcharge if not declared.

Section: Γενικοί Όροι Υποχρεωτικής Ασφάλισης Αστικής Ευθύνης > Άρθρο 10. Καθορισμός Ασφαλίστρου

Βασική κατηγορία ασφάλισης ορίζεται η κατηγορία ασφάλισης ενός πρωτοασφαλιζόμενου οχήματος και είναι η κατηγορία 10 … Κάθε ζημία κατά την δωδεκάμηνη περίοδο ασφάλισης συνεπάγεται για το επόμενο δωδεκάμηνο άνοδο βαθμών.

Territorial scope

Mandatory cover applies within Greek territory. Travel abroad requires a green card (international insurance certificate) valid for EU/EEA member states and countries party to the Unified Agreement. Optional covers apply exclusively within Greek territory.