Εθνική Ασφαλιστική Motor third-party liability (Full Auto)
Underwritten by Ανώνυμη Ελληνική Εταιρία Γενικών Ασφαλειών (Α.Ε.Ε.Γ.Α.) «Η ΕΘΝΙΚΗ» · Greece
motor third-party liability insurance from Εθνική Ασφαλιστική for the Greece market, with online purchase and 24/7 assistance.
Verified Aug 13, 2026 · Terms dated 2024-01-01Sources
Unique selling points
Natural disaster coverage (forest fires and floods), required for vehicle owners from 1 June 2025 under Law 5162/2024.
AI-assisted claims assessment for damages up to €300 with next-day Amicable Settlement payment, enabling faster claims resolution without requiring physical inspection.
Extensive contracted repair shop network across Greece offering direct-settlement repairs and free replacement vehicles when repairs exceed 2 working days.
Online purchase and policy issuance available via ethnikiprotect.gr and NBG Internet Banking, with payment in up to 12 interest-free credit card instalments.
One of Greece's oldest and most established insurers (founded 1891), now backed by Piraeus Bank, offering broad multi-channel access through bank branches, agents, and digital platforms.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Legal Defence / Legal Protection
Optional
Optional coverage providing legal protection due to the vehicle's involvement in road accidents or specific traffic violations. Not available for policyholders who intentionally committed the offence. Available as an optional add-on in the Full Auto Standard tier; included as standard in Auto Protect Έξτρα and Προνομιακό tiers.
Νομική Προστασία
Green Card (International Motor Insurance Certificate)
Covered
The MTPL coverage is valid in Greece, EU member states, EEA countries, and other countries whose National Insurance Offices are bound to apply Section III of the Unified Agreement, in accordance with the Green Card system. A specific monetary coverage value does not apply; territorial validity under the Green Card system is inherent to the mandatory MTPL.
Η κάλυψη αστικής ευθύνης ισχύει στην Ελλάδα, στα κράτη-μέλη της Ευρωπαϊκής Ένωσης, στα κράτη του Ευρωπαϊκού Οικονομικού Χώρου και στις χώρες των οποίων τα Εθνικά Γραφεία Διεθνούς Ασφάλισης εφαρμόζουν την Ενοποιημένη Συμφωνία.
Roadside Assistance
Optional
Optional coverage including on-site repair, towing of the insured vehicle to a repair shop of the policyholder's choice or repatriation, travel assistance with a replacement vehicle, vehicle transfer in case of partial or total theft upon recovery, medical and nursing assistance and medical advice. Applicable for passenger cars (ΕΙΧ) and motorcycles over 50cc. Base MTPL package (Full Auto Standard / V1) includes only local towing in case of accident within the prefecture; full roadside assistance is an optional add-on.
Οδική Βοήθεια
Driver Accident (Bodily Injury to Driver at Fault)
Optional
Coverage for bodily injuries suffered by the driver due to a road accident caused by their own fault. Available as an optional add-on in the Full Auto Standard / V1 tier (not applicable for motorcycles and mopeds). Included as standard coverage in the Auto Protect Έξτρα and Προνομιακό tiers. Specific coverage amount not stated in the IPID.
Προσωπικό Ατύχημα Οδηγού
Passenger Accident Insurance
Excluded
Separate passenger accident insurance is not listed as a coverage in the Full Auto or Auto Protect product IPIDs. Third-party bodily injury liability (including passengers who qualify as third parties under law) is covered under the mandatory MTPL. Bodily injuries or death of persons not considered third parties under the law are explicitly excluded.
Key conditions
Driver restrictions
Coverage extends to the vehicle owner, keeper, and any authorised driver. Damages caused by a driver who was under the influence of alcohol or toxic substances, or who lacked a valid driving licence at the time of the accident, are restricted (insurer may exercise right of recourse). Vehicles without a valid circulation permit and racing vehicles are excluded from coverage.
Claim notification deadline
The policyholder must notify the insurer in writing within eight (8) working days of the accident date, providing all information required by the insurance policy. The policyholder must take all reasonable steps to mitigate the loss. No action constituting acceptance, acknowledgement, compromise or settlement of the covered risk may be taken without the insurer's written consent.
SourceClause Άρθρο 12(ii)Page 14Section: ΓΕΝΙΚΟΙ ΟΡΟΙ ΚΑΛΥΨΗΣ ΑΣΤΙΚΗΣ ΕΥΘΥΝΗΣ ΚΑΙ ΠΡΟΑΙΡΕΤΙΚΩΝ ΚΑΛΥΨΕΩΝ > 12. ΓΕΝΙΚΕΣ ΥΠΟΧΡΕΩΣΕΙΣ ΤΟΥ ΛΗΠΤΗ ΤΗΣ ΑΣΦΑΛΙΣΗΣ/ΑΣΦΑΛΙΣΜΕΝΟΥ ΣΕ ΠΕΡΙΠΤΩΣΗ ΖΗΜΙΑΣ
Δηλώσει ενυπογράφως στον Ασφαλιστή το ατύχημα αμέσως, χωρίς υπαίτια καθυστέρηση και το αργότερο εντός οκτώ (8) εργάσιμων ημερών από την ημερομηνία του ατυχήματος και να παρέχει στον Ασφαλιστή κάθε πληροφορία και έγγραφο που προβλέπονται στο Ασφαλιστήριο Συμβόλαιο.
Bonus-malus rules
The IPID documents do not specify Ethniki Asfalistiki's own bonus-malus scale. Premiums are determined based on vehicle characteristics, driver profile (including driving history), postal code, and annual mileage. The insurer applies its own risk-based premium calculation system; specific bonus-malus tier details are not disclosed in the IPID.
Territorial scope
Third-party liability coverage is valid in Greece, EU member states, EEA countries, and other countries whose National Insurance Offices are bound to apply Section III of the Unified Agreement. Optional coverages are subject to special agreement.
Exclusions
General Exclusions
Coverage does not apply to third-party liability arising from theft or violent takeover of the vehicle, or intentional acts causing accidents
SourceDocuments
Policy specifics
Third-Party Liability Coverage (Bodily Injury & Property Damage)
Mandatory coverage covering damages caused by the insured vehicle to third parties, including bodily injuries and property damage
SourceΗ ασφάλεια αυτοκινήτου καλύπτει την υποχρεωτική αστική ευθύνη προς τρίτους για σωματικές βλάβες και υλικές ζημιές.
Bodily Injury to Third Parties
Coverage for death, bodily injury, or health damage suffered by third parties as a result of the insured vehicle's operation
SourceΣωματικές Βλάβες Τρίτων
Property Damage to Third Parties
Coverage for material damage to third-party property caused by the insured vehicle
SourceΥλικές Ζημιές Τρίτων
Natural Disaster Coverage (Mandatory)
Mandatory coverage for damage caused by natural disasters such as forest fires and floods, effective from Law 5162/2024
SourceΑπό την 1η Ιουνίου 2025 όλοι οι κάτοχοι οχημάτων ιδιωτικής ή επαγγελματικής χρήσης* υποχρεούνται, βάσει του Νόμου 5162/2024, να διαθέτουν ασφαλιστήριο συμβόλαιο που να περιλαμβάνει κάλυψη για ζημιές από φυσικές καταστροφές, όπως δασικές πυρκαγιές και πλημμύρες.
Associated Garage Network
Direct access to hundreds of contracted repair shops across Greece where damages can be repaired with direct settlement and coverage by Ethniki Asfalistiki
SourceDirect payment of your vehicle’s repair costs from Ethniki Asfalistiki to the associated garage, as long as you are not responsible for the accident or in accordance with the coverage plan stipulated in your contract
Vehicle Glass Repair Coverage
Coverage for damage to windows and factory-installed sunroofs of vehicles up to 5 years from first registration, including installation costs
SourceGeographic Coverage Area
Third-Party Liability coverage is valid in Greece, EU member states, EEA countries, and other countries whose National Insurance Offices apply the Uniform Agreement
SourceΗ κάλυψη αστικής ευθύνης ισχύει στην Ελλάδα, στα κράτη-μέλη της Ευρωπαϊκής Ένωσης, στα κράτη του Ευρωπαϊκού Οικονομικού Χώρου και στις χώρες των οποίων τα Εθνικά Γραφεία Διεθνούς Ασφάλισης εφαρμόζουν την Ενοποιημένη Συμφωνία.
Insured Persons
Coverage extends to the vehicle owner, keeper, and any driver or person in charge of the vehicle as defined in Law 489/1976
SourcePolicy Term and Renewal
Insurance validity period is specified in the insurance policy document; continuous coverage is required by law for vehicle operation
SourcePremium Calculation Factors
Premiums are determined based on vehicle characteristics, driver profile, and insurance risk as assessed by Ethniki Asfalistiki
SourceΤα ασφάλιστρα της ασφάλειας αυτοκινήτου καθορίζονται με βάσει τα χαρακτηριστικά του οχήματος, του οδηγού και του ασφαλιστικού κινδύνου.
Claims Notification Procedure
Policyholders must notify Ethniki Asfalistiki of accidents or damage as soon as possible; emergency number 112 available 24/7 for traffic accidents
SourceSection: Need help?
In case of accident or mechanical breakdown, call us at (+30) 210 90 99 000 . Ethniki Asfalistiki will be by your side as soon as possible, without any extra charge.
Deductible/Policyholder Participation
For certain optional coverages (e.g., glass repair), a deductible or policyholder participation amount applies per claim
SourceComplaint and Objection Handling
Policyholders can submit complaints regarding policies or services through multiple channels with 15 working days typical response time
SourceSources
- assets.ctfassets.nethttps://assets.ctfassets.net/q8hnmvb13i8z/5xBuLFhRFB84Dt1jJ1ZNbR/b6162384ea8b5d99cc1e24376ee5d559/oroi-asfalisis-autokinitou.pdf#page=14(opens in a new tab)
- ethnikiasfalistiki.grhttps://www.ethnikiasfalistiki.gr/auto(opens in a new tab)
- ethnikiasfalistiki.grhttps://www.ethnikiasfalistiki.gr/en/complaints(opens in a new tab)
- ethnikiasfalistiki.grhttps://www.ethnikiasfalistiki.gr/en/support/auto(opens in a new tab)
Εθνική Ασφαλιστική Motor third-party liability