Personal Insurance Motor third-party liability (Mtpl Standard)

Personal Insurance provides accident care service (Φροντίδα Ατυχήματος) operating both in Greece and across Europe, staffed by the company's own personnel and vehicles.

Glass breakage repair or replacement is handled directly and at no cost to the insured at any point in Greece, through Personal Insurance's partner network.

Legal Defence (Νομική Προστασία) is included in the motor insurance programme, covering legal costs and representation for covered accidents without additional charge.

Coverage up to the new statutory civil liability limits per person and per accident as updated by Law 5113/2024, ensuring full compliance with the latest EU Motor Insurance Directive requirements.

Driver restrictions

The MTPL policy covers the owner, holder, and any driver of the insured vehicle who holds a valid driving licence for the vehicle category, as required by law. Damages caused by a driver without a valid licence or under the influence of alcohol at the time of the accident are excluded from coverage under Greek MTPL law.

Claim notification deadline

Personal Insurance's car-insurance page does not state a specific accident-notification deadline. Under its Friendly Settlement (Φιλικός Διακανονισμός) programme, the policyholder calls the Company's Special Partner to the scene of the accident, who helps complete the Friendly Accident Declaration, provides all necessary information, and relieves the policyholder of the need to contact the insurer directly.

Section: Φιλικός Διακανονισμός

Σύμφωνα με το πρόγραμμα Φιλικού Διακανονισμού σε περίπτωση ατυχήματος, ο Ασφαλισμένος καλεί στον τόπο του συμβάντος τον Ειδικό Συνεργάτη της Εταιρίας που βοηθά στη συμπλήρωση της Φιλικής Δήλωσης Τροχαίου Ατυχήματος, παρέχει κάθε πληροφορία στον Ασφαλισμένο και τον απαλλάσσει από την ανάγκη επικοινωνίας με την Ασφαλιστική Εταιρία.

Bonus-malus rules

Greek MTPL insurers apply a bonus-malus (no-claims discount / loading) system whereby the premium is adjusted annually based on the policyholder's claims history. A claim-free year results in a premium discount (bonus), while a fault claim results in a premium increase (malus). Specific rates and classes are set by each insurer within the framework permitted by Greek insurance regulation.

Territorial scope

Third-party liability cover valid in Greece, the European Union, the EEA, and all Green Card member states. Supplementary covers apply within Greece only.