HORIZON 1964 NON-LIFE INSURANCE COMPANY S.A.
Orizonins
Orizonins is a motor third-party liability insurance for the Greece market with no online purchase and 24/7 assistance.
Direct payment
Repairs at cooperating garages are settled directly between Orizon and the garage, with no upfront payment required from the insured customer. Glass replacement via Carglass, Glassdrive, and Glassfit is also cashless for the insured.
Geographic scope
Greece (nationwide)
Primary coverage in Greece; Green Card extends validity to EU member states and Green Card signatory countries.
Unique selling points
- 10 different car insurance programs available, allowing customers to select the tier that best matches their coverage needs and budget.
- Fast compensation procedures are guaranteed even when the accident is not the insured driver's fault, supported by the Greek Friendly Settlement programme.
- Cashless glass replacement in cooperation with Carglass, Glassdrive, and Glassfit — no upfront payment required from the insured.
- Wide network of cooperating garages throughout Greece with direct-payment repairs and vehicle replacement available while the insured car is being repaired.
- Orizon 1964 maintains a Solvency Capital Ratio (SCR) of 246.7% and MCR of 543.6%, well above regulatory minimums, reflecting strong financial stability.
Coverage limits
Bodily Injury Liability to Third Parties
Not offered
Mandatory coverage for bodily injury or death caused to third parties in a road accident. The Greek statutory minimum limit is €1,300,000 per accident (as of January 2022), applicable to all insurers. Orizon's own published materials do not state a specific limit figure for this product line.
Property Damage Liability to Third Parties
Not offered
Mandatory coverage for property damage caused to third parties in a road accident. The Greek statutory minimum limit is €1,300,000 per accident (as of January 2022). Orizon's own published materials do not state a specific limit figure for this product line.
Legal Defence / Legal Protection
Not offered
Legal protection for the vehicle and driver is included from the SILVER tier upwards, provided in cooperation with MONDIAL ASSISTANCE. Not included in the ECONOMY tier. Specific coverage limits are not published by Orizon online.
Green Card (International Motor Insurance Certificate)
Not offered
The mandatory MTPL policy in Greece is valid throughout EU member states and Green Card signatory countries, consistent with the EU Motor Insurance Directive. Orizon's product pages do not explicitly describe Green Card issuance terms for the car program.
Roadside Assistance & Accident Care
Conditional
Roadside and travel assistance is provided from the SILVER tier upwards, in cooperation with MONDIAL ASSISTANCE, covering both accident situations and mechanical breakdowns. The ECONOMY tier includes vehicle towing in case of accident only. The 24/7 accident care helpline is available to all policyholders. Emergency air transport after a road accident is available via Flying Doctors (SILVER). Assistance within Greece is covered; travel assistance conditions for abroad vary by tier.
Driver Personal Accident
Not offered
Personal accident coverage for the driver is listed as an available optional coverage in the MTPL product line. Specific capital amounts and terms are not published on Orizon's car insurance pages and require direct contact with the insurer or broker.
Passenger Personal Accident
Not offered
Passenger personal accident coverage is not mentioned as an available coverage in Orizon's MTPL car insurance product pages.
Key conditions
Territorial scope
Coverage is valid throughout Greece. Via the Green Card system, MTPL coverage extends to EU member states and other Green Card signatory countries, consistent with EU Motor Insurance Directive requirements.
Green card rules
Greek MTPL policies comply with the EU Motor Insurance Directive and Green Card system, allowing cross-border travel within the European Economic Area and Green Card member states. Contact Orizon directly for Green Card issuance.
Driver restrictions
The policy covers the owner, holder, and any authorised driver of the insured vehicle. Specific age restrictions or named-driver clauses are not published on Orizon's product pages and should be confirmed with the insurer.
Claim notification deadline
Specific claim notification deadlines are set out in the policy terms and conditions document. Orizon operates a 24/7 accident care and roadside assistance helpline for immediate support following an accident.
Bonus-malus rules
Orizon applies bonus-malus (no-claims discount) rules, though specific discount percentages and categories are not published on the product pages and must be confirmed with the insurer or broker.
Where to buy
Documents
Orizon Car Insurance - Terms and Conditions Book (Βιβλίο Ασφάλισης Αυτοκινήτου Όροι και Έντυπα)
terms_and_conditions
Policy specifics
Roadside assistance and accident care
Comprehensive roadside and accident care services provided through partnerships with Mondial Assistance and other professional providers
Vehicle replacement service
Possibility of vehicle replacement until the insured vehicle is repaired, available through a wide network of cooperating service garages throughout Greece
Glass replacement without cost
Partnership with Carglass, Glassdrive, and Glassfit for glass replacement without disbursement by the insured customer
Technical inspection without cost
Technical inspection of vehicle points performed without cost disbursement by the insured customer at cooperating service garages
Fast compensation even if not at fault
Fast compensation procedures even when the car accident is not the insured driver's fault, supported by friendly settlement program
Repair network cooperation
Wide network of cooperating service garages throughout Greece allowing customers to choose their preferred repair location
Quick policy issuance
Car insurance can be provided in just a few minutes through the insurer with final policy agreement received in customer inbox