Extracted from source documents

INTERLIFE Motor third-party liability (Basic Mtpl)

Underwritten by INTERLIFE Ανώνυμη Ασφαλιστική Εταιρία Γενικών Ασφαλίσεων · Greece

motor third-party liability insurance from INTERLIFE for the Greece market, with 24/7 assistance.

Verified Aug 13, 2026 · Terms dated 2016-10-01Sources

24/7 helpline

Unique selling points

Comprehensive accident care service dispatched to the accident scene, including accident report completion, Friendly Settlement form assistance, and damage photography, operated 24/7/365.

Replacement vehicle provided for up to 15 days after an accident (and up to 30 days after theft or fire) under the October 2022 vehicle replacement terms.

Bonus-Malus premium protection available, preventing premium increases after an at-fault claim when the relevant cover is selected.

Roadside assistance network spanning all of Greece and continental Europe through INTERAMERICAN Assistance, covering breakdowns, accidents, key loss, fuel supply, and vehicle repatriation.

Solvency ratio of 167% for 2024, indicating strong financial stability well above the regulatory minimum of 100%.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

Basic SimpleBasic PlusTriplexQuatroMinikascoTeilkaskoExtensionkaskoVollkaskoVollkasko Plus
Optional

Legal protection / defence

Optional

Optional legal protection coverage for road accidents occurring in Greece, covering: civil claims for property damage and bodily injury; criminal defence; counter-claims; driver defence in criminal courts; administrative appeals for licence suspension. Legal protection applies only to disputes involving the insured vehicle and only where Greek courts have jurisdiction. Coverage is provided up to the limit stated in the policy coverage table.

Clause Άρθρο 18Page 16

Section: Γ. Ειδικοί Όροι Προαιρετικών Καλύψεων Αυτοκινήτου > Άρθρο 18. Όροι Νομικής Προστασίας Αυτοκινήτου

Νομική Προστασία για τροχαίο ατύχημα που έγινε στην Ελλάδα και μέχρι του ανώτατου ασφαλιστικού ποσού που αναγράφεται στον πίνακα καλύψεων του ασφαλιστηρίου κατά τη διάρκεια της ασφαλιστικής σύμβασης και μόνο για όσες υποθέσεις σχετίζονται κατά τα κατωτέρω με το ασφαλιζόμενο όχημα, δικαιούται μόνον ο κύριος και ο νόμιμος κάτοχος, καθώς και όποιος με την άδειά τους οδηγεί το ασφαλισμένο όχημα.

Optional

Green Card (international insurance certificate)

Optional

For travel in non-EEA third countries, the insured vehicle must carry an international insurance certificate (Green Card). This certificate is issued upon prior written request by the policyholder and/or the insured and payment of additional premium. It operates in accordance with Part II of the Consolidated Agreement.

Clause Άρθρο 4Page 4

Section: Α. Όροι Κλάδου Αστικής Ευθύνης από Ατυχήματα Αυτοκινήτων > Άρθρο 4. Τοπικά Όρια Ισχύος

Σε περίπτωση που το αυτοκίνητο όχημα κυκλοφορήσει στο έδαφος τρίτων χωρών που δεν ανήκουν στον Ε.Ο.Χ., πρέπει να είναι εφοδιασμένο με πιστοποιητικό διεθνούς ασφάλισης (πράσινη κάρτα), όπως ισχύει στις χώρες αυτές σύμφωνα με το τμήμα ΙΙ της Ενοποιημένης Συμφωνίας. Το πιστοποιητικό αυτό εκδίδεται κατόπιν προηγούμενης έγγραφης αίτησης του λήπτη της ασφάλισης ή/και του ασφαλισμένου καθώς και καταβολής πρόσθετων ασφαλίστρων.

Optional

Roadside assistance

Optional

Optional roadside assistance coverage provided through INTERAMERICAN Assistance, covering all of Greece and continental Europe (excluding Albania). Covers private passenger cars, taxis, light vans up to 3.5 t, motorcycles, trikes and quads. Services include on-site repair, towing to local garage, internal vehicle repatriation (for breakdowns over 60 km from home when repair takes over 2 days), hotel costs (max €75), return transport (max €100), lost key assistance, and fuel delivery. For abroad: vehicle repatriation if repair takes over 5 days, return ticket for repaired vehicle collection, and up to €300 towards passenger return costs.

Page 34

Section: Γενικοί & Ειδικοί Όροι Οδικής Βοήθειας > Ειδικοί Όροι Οδικής Βοήθειας > Πρόγραμμα Οδικής βοήθειας ελαφρών οχημάτων

Το πρόγραμμα καλύπτει τον Ασφαλισμένο σε όλη την ελληνική επικράτεια και σε όλες τις χώρες της ηπειρωτικής Ευρώπης πλην Αλβανίας, συμπεριλαμβανομένης της Μ. Βρετανίας και ως τα ανατολικά όρια των χωρών Βουλγαρίας, Ρουμανίας, Ουγγαρίας, Πολωνίας και Βαλτικών Χωρών.

Optional · Basic Simple, Basic Plus, Triplex, Quatro

Driver road accident cover (personal accident)

Optional

Optional personal accident coverage for the driver of the insured vehicle (excluding motorcycles, mopeds, trikes, and quads). Covers death and permanent total disability resulting exclusively and directly from a road accident during driving. The insured sum is the maximum for the combination of benefits, and cannot exceed the death benefit amount. Excludes suicide, intoxication, epilepsy, paralysis, force majeure events, war, terrorism, racing, and driving without a valid licence. The driver must wear a seatbelt; proof of this obligation rests with the claimant. Insured amount at policy level stated on the coverage table (market data indicates typically €5,000 per package).

Clause Άρθρο 19Page 18

Section: Γ. Ειδικοί Όροι Προαιρετικών Καλύψεων Αυτοκινήτου > Άρθρο 19. Όροι Τροχαίου Ατυχήματος Οδηγού

Η παρούσα κάλυψη καλύπτει το τροχαίο ατύχημα που θα υποστεί κατά τη διάρκεια της ισχύος της σύμβασης ο οδηγός ασφαλισμένου οχήματος (εκτός μοτοποδηλάτων και μοτοσικλετών κάθε είδους, δίκυκλα, τρίκυκλα, τετράκυκλα, γουρούνες - ATV)

Excluded

Passenger personal accident cover

Excluded

Dedicated passenger personal accident coverage is not offered as a distinct optional cover in Interlife's MTPL product range. Passengers of the insured vehicle are covered as third parties under the mandatory bodily injury liability coverage. The driver accident cover under Article 19 of the T&Cs covers only the driver and does not extend to passengers.

Key conditions

Driver restrictions

The insured vehicle must be driven by a holder of a valid driving licence for the vehicle category. Additional premiums (surcharges) apply and must be declared to INTERLIFE if the vehicle is driven by: (a) a driver under 23 years or over 75 years of age (surcharge: 60% for amateur licence, 30% for professional licence); (b) a driver who obtained their licence for the first time within the 12 months preceding the accident (surcharge: 60%). For optional own-damage coverage (Article 6), the age threshold is 25/75 years and the company is fully released from liability without a surcharge option. Failure to declare and pay the applicable surcharge results in forfeiture of all indemnification rights.

Claim notification deadline

In the event of an accident, the insured must: (1) notify INTERLIFE in writing within 8 days of the accident, providing all requested information; (2) submit in photocopy within 8 days any judicial or extrajudicial document received in connection with the accident; (3) make the vehicle immediately available for inspection and not repair it unless 5 working days have elapsed from written notification to INTERLIFE; (4) not recognise liability explicitly without INTERLIFE's written consent; (5) not settle any third-party claim without INTERLIFE's written consent. Culpable breach of these obligations entitles INTERLIFE to seek recovery for any resulting loss.

Bonus-malus rules

In the event of a claim with fault of the insured, the Bonus-Malus (BM) rating does not increase if the 'Bonus-Malus protection' optional cover has been included in the policy. Without this cover, standard Greek MTPL Bonus-Malus rules apply as defined by INTERLIFE's tariff. The optional own-damage Article 12 (General Terms on Optional Coverages) explicitly states that BM is protected (not increased) following a claim when this cover is activated.

Territorial scope

Mandatory MTPL coverage applies within Greek territory, EU member states, EEA countries, and countries whose National Green Card bureaux are bound to apply Part III of the Consolidated Agreement. For non-EEA third countries, a Green Card (international insurance certificate) is required, issued on written request and payment of additional premium.

Documents

General and Special Terms of Motor Insurance - October 2016 (opens in a new tab)

Terms & conditions · PDF

Interlife MTPL Insurance Terms - Third Party Liability from Motor Accidents (via InsuranceMarket) (opens in a new tab)

Terms & conditions · PDF

Policy specifics

Natural disaster coverage (fire, flood, earthquake)

Following recent legislative amendments in Greece (Laws 5116/2024, 5162/2024), MTPL policies now include mandatory coverage for specified natural disaster risks

Source

Bodily injury to third parties

Mandatory coverage for death or injury to third parties (occupants of other vehicles, pedestrians, etc.) with insured capital of €1,300,000 per person per occurrence

SourcePage 2

Section: BASIC Simple

Σωματικές βλάβες τρίτων κατ’ άτομο 1.300.000€

Property damage to third parties

Mandatory coverage for material damage to third-party property with insured capital of €1,300,000 per occurrence

SourcePage 2

Section: BASIC Simple

Υλικές ζημιές τρίτων ανά γεγονός 1.300.000€

Damages from uninsured vehicles

Optional coverage for material damage caused by uninsured vehicles (included in Basic Simple and Basic Plus packages)

Source

Urgent transport and vehicle replacement

Optional coverage for emergency transport and vehicle replacement services following an accident (included in Basic Simple and Basic Plus packages)

Source

Accident care assistance

Optional coverage for accident care services including medical assistance and support following traffic incidents (included in Basic Simple and Basic Plus packages)

Source

Covered persons under MTPL

Coverage extends to: (1) the vehicle driver who caused damage; (2) any person whose liability is covered under the policy; (3) those with whom the insured has a formal agreement; (4) also covers vehicle occupants/passengers

Source

Section: Ασφάλιση Αυτοκινήτου > Είναι υποχρεωτική η ασφάλιση του αυτοκινήτου μου;

Η Αστική Ευθύνη Οχήματος είναι υποχρεωτική από το νόμο και αφορά την κάλυψη έναντι τρίτων για σωματικές βλάβες και υλικές ζημίες περιουσίας, για τις οποίες εσείς - μέσω του οχήματός σας - είσαστε υπεύθυνοι ως ιδιοκτήτες ή ως οδηγοί. Επίσης ασφαλισμένοι μαζί σας, είναι και οι επιβαίνοντες στο όχημά σας.

Policy duration

MTPL insurance policies are typically issued for a period of 1 year from the start date; shorter durations may be available subject to company policy

Source

Section: Ασφάλιση Αυτοκινήτου > Πως μπορώ να ενημερωθώ για το κόστος ασφάλισης του οχήματός μου;

Τη διάρκεια ασφάλισης για την οποία θα θέλατε να ασφαλίσετε το αυτοκίνητό σας (π.χ. ετήσια, εξάμηνη, τρίμηνη, κ.τ.λ.)

Mandatory notification requirements

Policyholder must immediately notify Interlife in writing of any changes to risk circumstances and must report accidents within specific timeframes to avoid loss of coverage rights

SourceClause Άρθρο 7Page 25

Section: Γενικοί & Ειδικοί Όροι Γενικής Αστικής Ευθύνης > Άρθρο 7. Μεταβολές του Κινδύνου

Σε περίπτωση που πραγματοποιηθούν αλλαγές που μεταβάλουν τον κίνδυνο και τις οποίες πρέπει να αναγγείλει ο Ασφαλισμένος εγγράφως και χωρίς καθυστέρηση στην Εταιρία, έχουν εφαρμογή τα παρακάτω

Regulatory governance framework

MTPL policies governed by Codified Law 489/1976, Presidential Decree 237/1986, Law 2496/1997, Law 4261/2014, Law 4364/2016, and Bank of Greece supervisory decisions

SourcePage 4

Section: Α. Όροι Κλάδου Αστικής Ευθύνης από Ατυχήματα Αυτοκινήτων

Η παρούσα διέπεται από τον Ν.489/76, το Π.Δ.237/1986, τον Ν.2496/97, τον Ν.4261/2014 και τον Ν.4364/2016 όπως ισχύουν, από αποφάσεις της Τράπεζας της Ελλάδος με περιεχόμενο την ασφάλιση καθώς και από τους κατωτέρω όρους.

Sources

INTERLIFE Motor third-party liability

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