SYNETERISTIKI Anonymous Hellenic Company of General Insurance
Syndea
Syndea is a motor third-party liability insurance for the Greece market with no online purchase and 24/7 assistance.
Direct payment
In the event of an accident, the insured can call 1158 (24/7, 365 days a year) to notify a Syndea accident care and roadside assistance partner. Claims are settled directly by Syndea with priority given to fast settlement procedures.
Geographic scope
Greece (nationwide)
Compulsory third-party liability cover is valid in Greece, all EU/EEA member states, and other countries whose National Bureaux of International Insurance have signed the Multilateral Guarantee Agreement (Green Card countries). All other optional coverages apply within Greece only, except roadside assistance which also covers Europe.
Unique selling points
- 24/7 accident care and roadside assistance reachable via a single number (1158), covering both Greece and Europe.
- Greece's only purely cooperative insurer, backed by European cooperative partners Unipol (Italy), Macif (France) and P&V (Belgium), combining local roots with international expertise.
- Bonus/Malus protection available as an add-on, shielding renewal premiums even after two at-fault accidents in a single policy year.
- Nationwide network of over 1,300 sales points providing accessible face-to-face service across all Greek regions.
- Special premium discounts of 5%–35% available to qualifying categories such as farmers, cooperative members, and other designated groups.
Coverage limits
Third-Party Bodily Injury Liability
Covered
Covers bodily injuries and property damage caused to third parties from the circulation of the insured vehicle, up to the limits prescribed by applicable Greek law. The exact insured amount is stated on the policy schedule.
Third-Party Property Damage Liability
Covered
Covers property damage caused to third parties from the circulation of the insured vehicle, up to the statutory limits prescribed by Greek law. The exact insured amount is stated on the policy schedule.
Legal Defence (Νομική Προστασία)
Optional
Covers the holder or driver of the vehicle for pursuing compensation claims, defence in criminal courts, appeals to competent administrative authorities for reduction or elimination of administrative fines, and resolution of disputes arising from contractual obligations related to the status of owner or lawful holder. Available as an add-on; exact insured sum stated on policy schedule.
Green Card (International Insurance Certificate)
Covered
The Green Card is issued free of charge and covers third-party liability (bodily injury or property damage caused to third parties) from the circulation of the vehicle in foreign countries. While not mandatory for EEA countries, Syndea advises policyholders to always request issuance.
Roadside Assistance (Οδική Βοήθεια)
Optional
If the vehicle is immobilised due to breakdown or road accident, in Greece or Europe, the insured can have the vehicle towed to a workshop of their choice or repatriated. In Greece: on-site repair, return of vehicle to a public road if off-road after an accident, transfer to a local workshop, transport of vehicle and occupants to the insured's permanent residence, and hotel accommodation up to €75 maximum. Outside Greece: on-site assistance or transfer to a local workshop and repatriation of the vehicle to Greece. Exact insured sum stated on policy schedule; available in selected packages.
Personal Accident – Driver / Owner
Optional
Covers the driver or owner against the consequences of a serious road accident, providing financial protection for the insured and their family. Available as an add-on in selected packages; exact insured sum stated on the policy schedule.
Passenger Accident Coverage
Excluded
A separate passenger accident coverage is not evidenced as a distinct named benefit in the Syndea IX Επιβατικό product sources. The personal accident coverage referenced applies to the driver/owner only.
Key conditions
Territorial scope
The compulsory MTPL cover is valid in Greece, EU/EEA member states, and other countries whose National Bureaux of International Insurance are bound by the Multilateral Guarantee Agreement (Green Card system). All other optional coverages (except roadside assistance, which also covers Europe) are valid within Greece only.
Green card rules
The Green Card (International Insurance Certificate) is issued free of charge and covers third-party liability abroad. Although not mandatory for EEA countries, Syndea recommends policyholders always request its issuance when travelling abroad with their vehicle.
Driver restrictions
The policy covers the policyholder and any lawful holder/driver of the insured vehicle as set out in the General Terms for Compulsory Motor Third-Party Liability Insurance. Specific driver age or licence restrictions are governed by the policy schedule and applicable Greek law.
Claim notification deadline
In the event of an accident involving one or more vehicles, the insured can call 1158 (24/7) to have a Syndea accident care partner attend the scene. The policyholder is obliged to notify the insurer in writing of any change of address or relevant policy details. Specific claim notification deadlines are set out in the General Terms for Compulsory Motor Third-Party Liability Insurance.
Bonus-malus rules
A Bonus/Malus protection coverage is available as an add-on: it protects the level of renewal premiums even if the insured causes two accidents within the 12-month insurance period.
Policy specifics
Three-Package Structure
The IX Επιβατικό product is offered in 3 packages. The individual package names and the specific coverages included or excluded in each package are not enumerated in the available Syndea sources. Optional coverages (legal defence, roadside assistance, personal accident) are activated per the insured amount or the word 'ΙΣΧΥΕΙ' appearing on the policy schedule.
Coverage Limits Defer to Statutory Minimums
Both the product page and the General Terms state that bodily injury and property damage liability are covered 'up to the limits prescribed by applicable legislation' without specifying a numeric amount. The exact limit is set on the individual policy schedule.
Supplementary Coverages Activation
Supplementary coverages (beyond compulsory MTPL) are valid only when the insured amount or the word 'ΙΣΧΥΕΙ' appears in the corresponding field on the policy schedule, as stated in the General Terms.
Cooperative Insurer Structure
Syndea (formerly Syneteristiki) is the only purely cooperative insurance company in Greece, founded in 1978. 50.55% of share capital is held by Greek cooperative associations and banks; 49.45% by European cooperative organisations (Unipol, Macif, P&V). The cooperative structure may influence policyholder participation and governance.