ΙΝΤΕΡΣΑΛΟΝΙΚΑ Motor third-party liability (Vasiko Mtpl)

Compulsory coverage for third-party bodily injury and death liability caused by the insured vehicle, per victim. The policy states coverage is 'in accordance with the limits set by European and Greek legislation,' without specifying a monetary figure in the basic policy. Coverage includes compensation for pain and suffering and moral damages, as well as liability towards family members of the insured or driver regardless of family ties.

Compulsory coverage for third-party property damage liability caused by the insured vehicle. The policy states coverage is 'in accordance with the limits set by European and Greek legislation.' The current Greek statutory minimum per accident is €1,300,000 as required by Law 489/1976 as amended and EU Motor Insurance Directives. Items transported in the same vehicle are excluded from compulsory insurance.

Legal protection up to €10,000 covering: (a) pursuit of compensation claims under civil liability law; (b) appeals to administrative authorities for suspension or restriction of driving licence or vehicle registration; (c) criminal court defence for death or injury caused in a road accident, or for breach of traffic regulations not due to intent; (d) disputes arising from contractual obligations related to ownership or possession of the insured vehicle. The insured amount covers the total of all insurance events occurring during the policy period, reported within 6 months after the covered event and claimed within 2 years. Coverage applies within Greek territory only.

The policy extends coverage to EU member states and all countries whose National Bureaux of International Insurance have signed the Multilateral Guarantee Agreement of 15 March 1991 (Green Card system). For countries outside this scope, a special written confirmation from the insurer is required with payment of additional premiums. The Green Card is an internationally recognised proof of motor insurance validity.

Accident Care (Φροντίδα Ατυχήματος) is included in the basic package: it includes on-site accident statement recording and, additionally, Roadside Assistance Following an Accident (Οδική Βοήθεια Κατόπιν Ατυχήματος) for private passenger vehicles (EIX), motorcycles, rental EIX, rental motorcycles, rental FIX motorcycles, taxis, and light commercial vehicles up to 3.5 tonnes (empty), with single rear axle tyres, total length up to 5,500mm, width up to 2,050mm, and wheelbase up to 3.50m. Full Roadside Assistance (Οδική Βοήθεια) within Greece and/or Europe is available as an optional add-on. The 24/7 coordination centre is reachable on 11555 (mobile, Greece) or 2310492100 (landline).

Personal accident coverage for the driver of the insured vehicle up to €15,000 (standard for private passenger cars, private freight vehicles, and taxis; €10,000 for work machinery, motorcycles, mopeds, and tractors). Coverage triggers on death or permanent total disability resulting directly and exclusively from a road traffic accident while embarking, travelling in, or disembarking from the insured vehicle. In case of death, beneficiaries are the legal heirs of the driver. In case of injury, the beneficiary is the driver himself. Coverage applies within Greek territory only.