MINETTA Anonymous Insurance Company (EVROPAIKI ENOSIS – ASFALEIAI MINETTA A.E.E.G.A.)
MINETTA
MINETTA is a motor third-party liability insurance for the Greece market with no online purchase and 24/7 assistance.
Direct payment
Claims are not settled directly to repair shops by default; the insured must report each loss immediately and submit a loss declaration form along with any documents requested by the company. The accident care service (Φροντίδα Ατυχήματος) dispatches a specialist to the scene 24/7 to record the incident and assist with the declaration.
Geographic scope
Greece
Third-party liability: Greek territory, EU/EEA member states, and countries cooperating with the International Insurance Bureau (Green Card system). Supplementary coverages: Greek territory; extendable to EU/EEA under special clause E.O. 23.
Unique selling points
- Extends third-party liability and own-damage coverage to learner drivers during supervised training and official driving examinations under Greek law Ν.4599/2019.
- Includes a daily income loss allowance for the driving instructor when the educational vehicle is immobilised due to an accident during an examination (up to 30 consecutive working days).
- Covers property damage from uninsured vehicles up to €50,000 as a first-party benefit included in the base product.
- 24/7 accident care service (Φροντίδα Ατυχήματος) dispatches a specialist to the scene to document the incident and assist with the loss declaration, with towing if the vehicle cannot be driven.
- Automatic monthly update of the insured value and premiums payable in up to 12 interest-free instalments via pay.minetta.gr.
Coverage limits
Bodily Injury Third-Party Liability
€1,300,000
Mandatory third-party liability for bodily injury arising from the vehicle's circulation, at the statutory minimum limit in force at the time of the event (currently €1,300,000 per victim, per Bank of Greece decision effective 1 January 2022). The policy also extends this liability cover to the learner driver during supervised practical training or practical examination, and to the driving instructor as a third party.
Property Damage Third-Party Liability
€1,300,000
Mandatory third-party liability for property damage arising from the vehicle's circulation, at the statutory minimum limit in force at the time of the event (currently €1,300,000 per accident, regardless of the number of victims, per Bank of Greece decision effective 1 January 2022).
Legal Defence / Legal Protection
€3,000
Legal protection coverage up to €3,000, covering legal defence costs when a lawyer's assistance is required, including for the learner driver's liability towards the driving instructor.
Green Card / International Motor Insurance Certificate
Covered
Third-party liability cover is extended to all EU/EEA member states and to countries participating in the Green Card international insurance bureau system. Extension of supplementary coverages to EU/EEA is also available under special clause E.O. 23.
Accident Care / Roadside Assistance
Covered
Accident care service (Φροντίδα Ατυχήματος MINETTA) available 24/7 at tel. 2109310807. A specialist attends the accident scene, records the incident, photographs the location and vehicles, and assists with completing the loss declaration. If the vehicle cannot be safely driven away, towing assistance is also provided.
Personal Accident Cover for Driver
€15,000
Personal accident coverage for the driver up to €15,000.
Personal Accident Cover for Passengers
No limit stated
Passenger personal accident cover is not among the coverages enumerated in the Car Pack 6 Εκπαιδευτικών IPID for this product; passengers' bodily injuries are addressed under the mandatory third-party liability section instead.
Key conditions
Territorial scope
Third-party liability: Greek territory, all EU/EEA member states, and countries cooperating with the International Insurance Bureau (Green Card system). Supplementary coverages: Greek territory only, with optional extension to EU/EEA countries via special clause E.O. 23 ('Extension of Supplementary Vehicle Coverages to EU/EEA Countries').
Green card rules
The Green Card (international motor insurance certificate) is provided and the third-party liability cover is valid in all EU/EEA member states and in countries that cooperate with the International Insurance Bureau. For supplementary coverages to be valid abroad, the insured must have selected special clause E.O. 23.
Driver restrictions
Coverage is excluded if the driver does not hold the legally required driving licence, drives under the influence of alcohol or narcotic substances, or uses the vehicle for a purpose other than that stated in the registration certificate. For this educational vehicle product, training of the learner driver must take place in the presence of the driving instructor; coverage does not apply during training without the instructor's accompaniment.
Claim notification deadline
The insured must immediately report every loss and submit a completed loss declaration form along with all documents requested by the company. For accident care, the insured should call the Φροντίδα Ατυχήματος service at 2109310807 (available 24/7). No specific number of days for notification is stated in the available source excerpts.
Bonus-malus rules
No bonus-malus rules are specified in the available IPID or T&C excerpts for this product.
Where to buy
Policy specifics
Learner Driver Liability Extension
This product specifically extends third-party liability to cover the learner driver's liability towards third parties and towards the driving instructor, both during supervised practical training and during the practical driving examination. Coverage does not apply when the learner driver trains without the instructor's presence.
SourceDaily Income Loss Allowance for Instructor
Covers loss of income suffered by the driving instructor due to being deprived of the use and operation of the insured educational vehicle as a result of a road accident during an examination. Exclusions: total loss of the vehicle, repair time of 2 or fewer working days, cause other than a road accident during an examination, or deprivation exceeding 30 consecutive working days.
SourceProperty Damage from Uninsured Vehicle
First-party cover up to €50,000 for property damage caused by an at-fault uninsured vehicle. This is a supplementary benefit, not the mandatory TPL property damage limit.
SourceProperty Damage from At-Fault Vehicle Outside the Friendly Settlement Scheme
First-party cover up to €6,500 for property damage caused by an at-fault vehicle whose claim falls outside the friendly settlement (Φιλικός Διακανονισμός) scheme.
SourceProperty Damage from At-Fault Foreign-Plated Vehicle
First-party cover up to €6,500 for property damage caused by an at-fault vehicle bearing foreign registration plates.
SourceCross Liability
Cover up to €3,500 for cross liability, i.e. liability arising between the insured and other persons covered under the same policy.
SourceOptional Comprehensive (Own-Damage) Extensions
The IPID lists further coverages that are provided optionally with this product and apply only if selected: fire and explosion (including damage from terrorism/civil commotion/malicious acts), third-party liability from fire up to €50,000, natural and geological phenomena, total theft, partial theft/theft of fixed parts, theft of non-fixed parts up to 2% of the insured vehicle value, key replacement/unlocking costs up to €300, full own-damage (comprehensive) cover, and own-damage cover from terrorism/civil commotion/malicious acts in addition to fire/explosion. If not selected, these sections of the policy do not apply.
SourceMandatory Instructor Accompaniment
Coverage under this policy applies only when the learner driver is trained in the presence of their driving instructor. Training without the instructor's accompaniment is explicitly excluded from all coverages.
Source