Ethniki Hellenic General Insurance Company S.A. (A.E.E.G.A. "I Ethniki")
Εθνική Ασφαλιστική
Εθνική Ασφαλιστική is a motor third-party liability insurance for the Greece market with online purchase and 24/7 assistance.
Direct payment
Claims up to €300 may be settled via AI-assisted assessment with same-day or next-day payment through the Amicable Settlement process. Direct payment to contracted repair shops is available for vehicle damages.
Geographic scope
Greece and EU/EEA countries party to the Unified Agreement
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.
Unique selling points
- Mandatory natural disaster coverage (forest fires and floods) included in the base MTPL tier from June 2025, in compliance with Law 5162/2024 — ahead of many competitors still adapting.
- 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
Bodily Injury Third-Party Liability
Covered
Only in Full Auto Standard, Full Auto Value, Full Auto Premium
Mandatory coverage for death, bodily injury or health damage suffered by third parties as a result of a road accident caused by the insured vehicle, including monetary compensation for psychological distress in case of death. Coverage also applies to family members of the insured/driver per Greek law. Statutory minimum limits under Greek law (Law 489/1976 as amended) apply; specific EUR limits are not stated in the product IPID.
Property Damage Third-Party Liability
Covered
Only in Full Auto Standard, Full Auto Value, Full Auto Premium
Mandatory coverage for material damage to third-party property caused by the insured vehicle in a road accident. Includes coverage for collision with an uninsured vehicle that is at fault. Statutory minimum limits under Greek law apply; specific EUR limits are not stated in the product IPID.
Legal Defence / Legal Protection
Optional
Only in Full Auto Standard (optional), Auto Protect Έξτρα (included), Auto Protect Προνομιακό (included)
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.
Green Card (International Motor Insurance Certificate)
Covered
Only in Full Auto Standard, Full Auto Value, Full Auto Premium
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.
Roadside Assistance
Optional
Only in Full Auto Standard (optional add-on), Full Auto Value (optional add-on), Full Auto Premium (optional add-on), Auto Protect Κλασικό (optional add-on), Auto Protect Έξτρα (optional add-on), Auto Protect Προνομιακό (optional add-on)
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.
Driver Accident (Bodily Injury to Driver at Fault)
Optional
Only in Full Auto Standard (optional, excludes motorcycles/mopeds), Auto Protect Έξτρα (included), Auto Protect Προνομιακό (included)
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.
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
Territorial scope
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 (Green Card system). Optional coverages require special agreement for territorial extension.
Green card rules
The policy operates within the international Green Card system. MTPL coverage automatically extends to EU/EEA countries and countries party to the Unified Agreement without additional endorsement. The Green Card (international insurance certificate) evidences coverage validity abroad.
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.
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.
Where to buy
Documents
General Terms and Conditions – Car Insurance (Εθνική Ασφαλιστική)
Terms & conditions
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
SourceBodily 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
SourceProperty Damage to Third Parties
Coverage for material damage to third-party property caused by the insured vehicle
SourceNatural Disaster Coverage (Mandatory)
Mandatory coverage for damage caused by natural disasters such as forest fires and floods, effective from Law 5162/2024
SourceAssociated 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
SourceVehicle 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
SourceInsured 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
SourceClaims Notification Procedure
Policyholders must notify Ethniki Asfalistiki of accidents or damage as soon as possible; emergency number 112 available 24/7 for traffic accidents
SourceGeneral Exclusions
Coverage does not apply to third-party liability arising from theft or violent takeover of the vehicle, or intentional acts causing accidents
SourceDeductible/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
Source