Insurance Company Euroins SA, Branch Greece
AutoSafe
AutoSafe is a motor third-party liability insurance for the Greece market with no online purchase and limited assistance availability.
Direct payment
Euroins participates in the Friendly Settlement (amicable settlement) scheme for motor accidents. Where conditions are met, compensation for material damage up to €6,500 and for personal injury up to €30,000 per accident (with a maximum of €12,000 per injured person) is handled directly between the insurer of the responsible driver and the injured party, without litigation. Both companies involved must be members of the scheme.
Geographic scope
Greece and, for compulsory civil liability, EU/EEA and Motor Insurers' Bureau agreement countries
Compulsory Civil Liability: Greece, EU/EEA, and Motor Insurers' Bureau agreement countries. Roadside assistance: Greece and specific European/Mediterranean countries per cooperating company table. All other coverages: Greece only.
Unique selling points
- Four progressive coverage tiers (Bronze, Silver, Gold, Platinum) allow customisation from basic MTPL to full mixed insurance with own-damage for the same vehicle product.
- Policy issuance and premium calculation completed in a few minutes with full digital document processing and instant electronic delivery.
- Dedicated Euroins Autosafe mobile app (iOS and Android) provides instant Accident Care notification and immediate Roadside Assistance request from the scene of the incident.
- Participation in the Friendly Settlement scheme enables swift, out-of-court compensation for qualifying accidents, with material damage claims up to €6,500 resolved directly between insurers.
- Strategic partnership with Carglass® ensures policyholders receive priority vehicle glass repair and replacement through an extensive nationwide network at no direct cost.
Coverage limits
Third-Party Liability / Bodily Injury
Covered
Compulsory civil liability coverage for bodily injury to third parties caused by the insured vehicle. Included from the Bronze tier upwards. Specific coverage limits are not published on the product page or in the retrievable portions of the IPID/T&C; the policy applies Greek statutory minimums in accordance with Law 489/1976 as harmonized with EU Directive 2009/103/EC.
Third-Party Liability / Material Damage
Covered
Compulsory civil liability coverage for property damage to third parties caused by the insured vehicle. Included from the Bronze tier upwards. Specific coverage limits are not published on the product page or in the retrievable portions of the IPID/T&C; the policy applies Greek statutory minimums in accordance with Law 489/1976 as harmonized with EU Directive 2009/103/EC.
Legal Advice
Covered
Legal advice is included in the Bronze tier and above. Specific coverage limits or indemnity amounts are not published in the retrievable sources.
Green Card (International Motor Insurance Certificate)
Covered
The Green Card certifies valid MTPL insurance and extends civil liability coverage to countries of the EU/EEA and those with Motor Insurers' Bureau agreements. A Green Card is not required when travelling to EEA countries (EU member states, Norway, Iceland, Switzerland, Liechtenstein), Andorra, and Serbia if the policy is issued with Latin characters. For other Green Card system countries, the card must be obtained from Euroins Greece prior to travel. The Green Card covers civil liability only, not optional coverages such as fire or theft.
Accident Care and Roadside Assistance
Covered
Accident care and roadside assistance are included in the Bronze tier and above. Service is provided within Greece and in specific European and Mediterranean countries according to the table of the cooperating roadside assistance company included in the general and special terms. Vehicle towing covered for vehicles up to 3.5 tonnes maximum gross weight and up to 3 metres height without dual rear wheels (per Rent-a-Car IPID terms which share the same general terms).
Personal Accident (Driver)
Covered
Personal accident coverage for the driver is listed in the Bronze tier package. Specific indemnity amounts are not published in the retrievable sources. Coverage is valid within the territory of Greece.
Passenger Accident Insurance
Excluded
Separate passenger accident insurance is not listed as a distinct coverage in the AutoSafe passenger car package tiers (Bronze through Platinum). Passenger bodily injury is covered under the compulsory third-party liability coverage when caused by the insured vehicle. No standalone passenger accident benefit found in sources.
Key conditions
Territorial scope
Compulsory Civil Liability is valid in Greece, EU/EEA countries, and countries with Motor Insurers' Bureau agreements. Accident care and roadside assistance are provided in Greece and specific European and Mediterranean countries per the cooperating company's coverage table included in the general and special terms. All other coverages (except civil liability and roadside assistance) are valid only within Greek territory.
Green card rules
A Green Card is not required when travelling to EEA countries (all 28 EU member states, Norway, Iceland, Switzerland and Liechtenstein), Andorra, and Serbia, provided the policy is issued with Latin-character details. For travel to other Green Card system countries, the policyholder must obtain the Green Card from Euroins Greece prior to departure. The Green Card covers civil liability only and does not extend optional coverages such as fire, theft, or mixed insurance.
Driver restrictions
No specific driver age or licence-duration restrictions are stated in the retrievable sources for the passenger car MTPL product. The policy is linked to the insured vehicle. The Greek bonus-malus system applies: all new drivers start at category 10; a claim caused by the policyholder increases the category by 2 (raising the premium), while claim-free years reduce the category (lowering the premium). A no-claims bonus earned abroad may be transferred to a Greek policy with written evidence from the previous insurer.
Claim notification deadline
The policyholder must notify Euroins of an accident/claim by any appropriate means (letter, fax, email) in accordance with Bank of Greece Executive Board Act No. 87/05.04.2016. Upon receipt of the compensation claim, the insurance company of the at-fault driver is obliged to respond within three (3) months with either: (a) a written, reasoned compensation offer where liability is not disputed and damage is assessed, or (b) a written, reasoned refusal where liability is disputed, not yet established, or damage is not fully assessed.
Bonus-malus rules
Greece operates a mandatory bonus-malus system. All new policyholders start at category 10. A claim caused by the policyholder (for which a claim is made) increases the bonus-malus category by 2 levels, raising the premium. Claim-free years progressively reduce the category, lowering the premium. The lowest attainable category is 1 (some insurers stop at 2). Bonus-malus protection coverage may be optionally purchased to prevent category escalation after a claim. A no-claims bonus accumulated in another country may be transferred to a Greek policy on production of written evidence from the previous insurer.
Documents
General and Special Terms of Motor Insurance (2025-05-19)
terms_and_conditions
General and Special Terms of Motor Insurance (2024-04-25)
terms_and_conditions
General and Special Terms of Motor Insurance (2022-11-17)
terms_and_conditions
Passenger Cars Private Use IPID
ipid
General and Special Terms of Motor Insurance (Euroins, third-party broker copy)
terms_and_conditions
Policy specifics
Compulsory Civil Liability to Third Parties
Mandatory coverage for liability caused to third parties in traffic accidents, valid in Greece, EU/EEA countries, and countries with Motor Insurers' Bureau agreements
Accident Care and Roadside Assistance
Provided within Greece and specific European and Mediterranean countries per cooperating roadside assistance company table included in general and special terms
Optional Coverages
Complete insurance packages provide option of additional coverages including theft, fire, natural phenomena, roadside assistance, and mixed insurance
Policy Validity Period
Motor Third Party Liability insurance is valid for 1 year from policy start date; shorter periods possible but always subject to company policy
Instant Payment System (Friendly Settlement)
Agreement between insurers applying under certain conditions to compensation for motor vehicle accidents involving material damage and minor bodily injuries; applicable within Greek territory and outside it where both vehicles are insured with participating Greek companies
Geographic Coverage Limitations
Civil Liability valid in Greece, EU/EEA countries, and Motor Insurers' Bureau agreement countries. All other coverages (except roadside assistance) valid only within Greece. Roadside assistance available in Greece and specific European/Mediterranean countries per cooperating company table