Groupama Motor third-party liability (Pilote Eco 101)
Underwritten by Groupama Φοίνιξ Ανώνυμη Ελληνική Ασφαλιστική Εταιρεία · Greece
motor third-party liability insurance from Groupama for the Greece market, with online purchase and 24/7 assistance.
Verified Aug 13, 2026 · Terms dated 2022-06-08Sources
Unique selling points
Accident Care (Φροντίδα Ατυχήματος) is included free of charge in all packages, including the economy Eco tier — covering on-site documentation, vehicle towing, and 24-hour accident notification.
Premiums can be paid in up to 12 interest-free instalments via the insurer's website, standing order, credit card, or bank payment code.
Groupama NOW award-winning mobile app enables real-time policy management, e-claims submission, and direct access to the 24-hour customer service centre.
Comprehensive digital self-service portal (e-μαι πελάτης) with instant access to all policy documents, renewal notifications, and full payment history — eliminating paper correspondence.
Over 95 years of continuous operation in the Greek market, backed by the international Groupama Group, providing financial stability and claims-paying reliability.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Covered
Legal Defence (Νομική Προστασία)
Not established from the insurer's documents
Legal defence coverage is an optional add-on (Κεφάλαιο Ε of the General Terms). It covers legal costs, attorney fees (up to limits set by the Greek Bar Code, Law 4194/13), court costs, and related expenses for claims arising from traffic accidents. Coverage is limited to Greece. Not included in the Pilote Eco 101 base product; must be purchased separately.
Section: ΚΕΦΑΛΑΙΟ Ε. ΑΣΦΑΛΙΣΗ ΝΟΜΙΚΗΣ ΠΡΟΣΤΑΣΙΑΣ
αναλαμβάνει με το παρόν ΠAPAPTHMA και σε συνάρτηση με τους "Γενικούς όρους ασφάλισης αστικής ευθύνης αυτοκινήτων, και προαιρετικών καλύψεων"...έναντι καταβολής ασφαλίστρου όπως αναφέρεται στον "ΠINAKA KAΛYΨEΩN" του ασφαλιστηρίου...τη συμβατική δέσμευση ανάληψης των δικαστικών εξόδων και άλλων υπηρεσιών που απορρέουν από την παρούσα ασφαλιστική κάλυψη παροχής Νομικής Προστασίας προς τον Aσφαλισμένο
Green Card (International Motor Insurance Certificate)
Not established from the insurer's documents
The compulsory MTPL coverage is valid within Greece and in all countries under PD 237/86 (standard Green Card countries). Extension to countries outside this scope requires a special written certificate from the Company following a written request by the policyholder and payment of additional premium. Once a Green Card has been issued for foreign coverage, the policy cannot be cancelled for its duration.
Section: Άρθρο 3. Τοπικά όρια ισχύος
H υποχρεωτική ασφάλιση αστικής ευθύνης ισχύει για τα γεωγραφικά όρια της Ελλάδος, καθώς και για τα όρια των χωρών που κατά νόμο (Π.Δ. 237/86) ισχύει. Για τις υπόλοιπες χώρες, εκτός των ανωτέρω, απαιτείται ειδική έγγραφη βεβαίωση της Εταιρείας, κατόπιν προηγούμενης έγγραφης αίτησης του Λήπτη της ασφάλισης με την καταβολή πρόσθετων ασφαλίστρων.
Roadside Assistance (Οδική Βοήθεια)
Not established from the insurer's documents
Roadside assistance is available as an optional add-on to the Pilote Eco 101 product. The IPID states that additional coverages such as roadside assistance 'may also be included'. The General Terms (Appendix 2) describe comprehensive roadside assistance coverage including on-site repair, towing, vehicle storage, spare parts dispatch, tyre change, vehicle repatriation from abroad (if repair >3 working days), replacement vehicle (up to 3 days when >50km from home and >8 working hours repair time), and hotel accommodation (up to €80/person/night, max 3 nights). Coverage available 24/7, 365 days, across Greece, EU member states, and other European countries including Albania, Mediterranean Middle East, North Africa, Turkey and occupied Cyprus.
Section: ΠΑΡΑΡΤΗΜΑ 2. ΟΡΟΙ ΑΣΦΑΛΙΣΤΙΚΗΣ ΚΑΛΥΨΗΣ ΟΔΙΚΗΣ ΒΟΗΘΕΙΑΣ
Η βοήθεια που παρέχεται στο καλυπτόμενο όχημα, στον ιδιοκτήτη/οδηγό και στους επιβαίνοντες του ιδίου οχήματος σε περίπτωση ακινητοποίησης ή δυσχέρειας στην κυκλοφορία του οδικού ασφαλισμένου οχήματος συνεπεία Ατυχήματος ή Βλάβης.
Driver Personal Accident (Ασφάλιση Προσωπικού Ατυχήματος Οδηγού)
Not established from the insurer's documents
Personal accident cover for the driver and/or owner of the insured vehicle is an optional coverage (Κεφάλαιο Δ, Άρθρο 12 of the General Terms). Covers death, permanent total disability, permanent partial disability, and hospitalisation expenses resulting exclusively from a road traffic accident. Driver must be aged 18-70. Coverage amount (capital) is specified in the policy schedule. Not included in the Pilote Eco 101 base product.
Section: ΚΕΦΑΛΑΙΟ Δ. ΠΡΟΑΙΡΕΤΙΚΕΣ ΚΑΛΥΨΕΙΣ > Άρθρο 12. Ασφάλιση Προσωπικού Ατυχήματος
Καλύπτεται ο εκάστοτε οδηγός και/ή ο ιδιοκτήτης του ασφαλισμένου οχήματος, κατά το χρόνο της κυκλοφορίας του, καθώς και κατά την επιβίβαση σ' αυτό και αποβίβαση απ' αυτό αποκλειστικά και μόνο από τροχαίο ατύχημα σε περίπτωση που επέλθει:
Passenger Personal Accident
Not established from the insurer's documents
Passenger accident coverage is part of the optional Personal Accident insurance (Κεφάλαιο Δ, Άρθρο 12). In case of a group accident where the owner and co-owners are co-passengers, the death and permanent disability capital doubles and is split equally among covered victims. Not included in the Pilote Eco 101 base product.
Section: ΚΕΦΑΛΑΙΟ Δ > Άρθρο 12 > Συντρέχουσες περιπτώσεις αποζημίωσης
Σε περίπτωση τροχαίου ατυχήματος με το ίδιο ασφαλισμένο όχημα, στο οποίο συνεπιβαίνει(ουν) και ο ιδιοκτήτης ή οι συνιδιοκτήτες του (ομαδικό ατύχημα), το κεφάλαιο θανάτου και μόνιμης ανικανότητας διπλασιάζεται και η αποζημίωση μοιράζεται σε ίσα μέρη, ανάλογα με τον αριθμό των παθόντων που καλύπτονται από την ασφάλιση αυτή.
Key conditions
Driver restrictions
Coverage requires the driver to hold a valid driving licence for the relevant vehicle category. If the vehicle is driven by a person under 23 years of age (calculated from 1 January of birth year) or by a person who has held a driving licence for less than 12 months, a young driver surcharge applies. Failure to notify the Company of such a driver and pay the required surcharge results in a 100% annual premium penalty payable within 10 days of the accident if a claim occurs.
Claim notification deadline
In the event of a loss, the policyholder and/or insured must notify the Company in writing within 8 working days from when the loss event became known to them, providing all necessary information, documents and evidence relating to the circumstances and consequences of the loss.
Bonus-malus rules
The Company maintains a premium category scale (categories 2 to 20). Premiums for MTPL and own-damage coverages are adjusted after each 12-month policy period. Each uninterrupted 12-month period without a claim results in a drop of one category for the next period; the minimum category is 2. Each claim during a 12-month period results in an increase of two categories for the next period; the maximum category is 20. An optional Bonus/Malus Protection add-on (Άρθρο 10, Κεφάλαιο Δ) is available: for an additional premium, the bonus/malus category is not affected by the first two claims within any 12-month period.
Territorial scope
Compulsory MTPL coverage applies within Greece and all countries under PD 237/86. Optional coverages apply within Greece only. Extension to other countries requires written request and additional premium.
Documents
Policy specifics
Bodily Injury and Property Damage Liability
Mandatory third-party liability coverage covering bodily injuries and material damage to third parties caused by the insured vehicle
SourcePage 1Section: Τι ασφαλίζεται > ΑΣΤΙΚΗ ΕΥΘΥΝΗ ΕΝΑΝΤΙ ΤΡΙΤΩΝ
ΑΣΤΙΚΗ ΕΥΘΥΝΗ ΕΝΑΝΤΙ ΤΡΙΤΩΝ: − Σωματικές βλάβες ανά θύμα − Υλικές ζημιές ανά ατύχημα
Accident Care Service (Φροντίδα Ατυχήματος) - Included in Base Product
Accident Care (Φροντίδα Ατυχήματος) is included in the Pilote Eco 101 base product at no extra cost. It provides: on-site photography of vehicles and accident scene, accident declaration form completion, friendly settlement form completion, collection of witness details, accident notification on a 24-hour basis, and towing of the immobilised vehicle to a repair workshop of the insured's choice. Coverage applies within Greece and all countries within the Green Card territorial limits.
SourceAdditional Optional Coverages Available on Pilote Eco 101
Beyond the base inclusions, the Pilote Eco 101 allows the addition of optional coverages including: full Roadside Assistance (Οδική Βοήθεια), Legal Defence (Νομική Προστασία), Personal Accident for driver/owner (Ασφάλιση Προσωπικού Ατυχήματος), Bonus/Malus Protection, liability during vehicle operation as a tool, glass breakage, fire, fire from terrorism, natural disasters, total theft, partial theft, material damage from uninsured vehicle, and damage from malicious acts. Casco (own vehicle damage) can also be optionally added.
SourceDriver License Requirements
Coverage is excluded for damages caused by a driver who does not have the legally required driver's license for the vehicle category they are driving or whose license has expired
SourceDriver Under Influence Exclusion
Coverage is excluded for damages caused by a driver under the influence of alcohol or toxic substances
SourceVehicle Use Restriction
Coverage is excluded if the vehicle is used for purposes other than those specified in the insurance policy or vehicle registration
SourceCoverage During Driving Licence Renewal Test for Drivers Over 74
Not established from the insurer's documents
By way of modification of the general exclusion for unlicensed drivers, on the specific day a driver aged over 74 years submits to a driving licence renewal test using the insured vehicle, the civil liability of that driver for damages to third parties is covered for the full 24 hours of that day only.
SourceThird-party source, not the insurer's documentClause Άρθρο 4Page 8Section: ΚΕΦΑΛΑΙΟ Β > Άρθρο 4. Κάλυψη οδηγού κατα την δοκιμασία ανανέωσης άδειας οδήγησης
Κατά την τροποποίηση των όρων του παρόντος, ειδικά την ημέρα και μόνο, κατά την οποία ο οδηγός ηλικίας άνω των 74 ετών υποβάλλεται σε δοκιμασία για την ανανέωση της άδειας οδηγήσεως με το ασφαλισμένο όχημα, η αστική ευθύνη του οδηγού αυτού για τις ζημιές έναντι τρίτων καλύπτεται ασφαλιστικής. Η κάλυψη της αστικής ευθύνης ισχύει μόνο για το εικοσιτετράωρο της ημέρας της δοκιμασίας και με την πάροδο της δωδεκάτης νυχτερινής αυτής παύει.
Sources
- comple.grhttps://www.comple.gr/wp-content/uploads/2022/03/%CE%9F%CE%A1%CE%9F%CE%99-%CE%91%CE%A3%CE%A6%CE%91%CE%9B%CE%99%CE%A3%CE%97%CE%A3-GROUPAMA.pdf#page=15(opens in a new tab)
- comple.grhttps://www.comple.gr/wp-content/uploads/2022/03/%CE%9F%CE%A1%CE%9F%CE%99-%CE%91%CE%A3%CE%A6%CE%91%CE%9B%CE%99%CE%A3%CE%97%CE%A3-GROUPAMA.pdf#page=23(opens in a new tab)
- comple.grhttps://www.comple.gr/wp-content/uploads/2022/03/%CE%9F%CE%A1%CE%9F%CE%99-%CE%91%CE%A3%CE%A6%CE%91%CE%9B%CE%99%CE%A3%CE%97%CE%A3-GROUPAMA.pdf#page=24(opens in a new tab)
- comple.grhttps://www.comple.gr/wp-content/uploads/2022/03/%CE%9F%CE%A1%CE%9F%CE%99-%CE%91%CE%A3%CE%A6%CE%91%CE%9B%CE%99%CE%A3%CE%97%CE%A3-GROUPAMA.pdf#page=26(opens in a new tab)
- comple.grhttps://www.comple.gr/wp-content/uploads/2022/03/%CE%9F%CE%A1%CE%9F%CE%99-%CE%91%CE%A3%CE%A6%CE%91%CE%9B%CE%99%CE%A3%CE%97%CE%A3-GROUPAMA.pdf#page=40(opens in a new tab)
- comple.grhttps://www.comple.gr/wp-content/uploads/2022/03/%CE%9F%CE%A1%CE%9F%CE%99-%CE%91%CE%A3%CE%A6%CE%91%CE%9B%CE%99%CE%A3%CE%97%CE%A3-GROUPAMA.pdf#page=9(opens in a new tab)
- groupama.grhttps://www.groupama.gr/el-GR/programmata-asfalishs/idiwtes/aytokinhto/programmata-pilote(opens in a new tab)
Groupama Motor third-party liability