Extracted from source documents

Apeiron Insurance Project Motor third-party liability (Auto Standard Mtpl)

Underwritten by Zavarovalnica Triglav d.d. · Greece

motor third-party liability insurance from Apeiron Insurance Project for the Greece market, with online purchase and 24/7 assistance.

Verified Aug 14, 2026 · Terms dated 2024-01-01Sources

Online purchase24/7 helpline

Unique selling points

Triglav Group holds an A+ credit rating (upgraded in 2024) with a solvency ratio of 271%, ensuring exceptional financial strength behind every policy.

Member of the Greek Direct Settlement System (ΣΑΠ) since July 2024, enabling fast and direct claims payment with minimal paperwork.

Bonus-Malus protection (class preserved after up to two at-fault claims) is available as an add-on.

Coverage for property damage caused by uninsured vehicles is included as a standard benefit in all packages, not charged as an add-on.

Accident care service (Φροντίδα Ατυχήματος) with 24/7 emergency lines for accident recording and vehicle towing is included as standard in all packages.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

StandardAdvanceValueFull
Optional

Legal protection / Legal protection Arag

Optional

No limit stated

Optional coverage for legal expenses incurred in the defence of the insured. Available as an add-on (Νομική Προστασία / Νομική Προστασία Arag). The specific coverage limit is not stated in the sources reviewed.

Page 1

Section: Τι ασφαλίζεται > Προαιρετικά παρέχονται οι καλύψεις

Νομική Προστασία/Νομική Προστασία Arag (κάλυψη νομικών δαπανών για την υπεράσπιση σας)

Covered

Green Card (International Motor Insurance Certificate)

Covered

The compulsory third-party liability cover is valid in EU/EEA member states and in all countries whose National Insurance Bureaux have signed the Multilateral Guarantee Agreement of 15 March 1991, providing Green Card validity across these territories.

Page 2

Section: Πού είμαι καλυμμένος

Η κάλυψη υποχρεωτικής αστικής ευθύνης προς τρίτους ισχύει εντός της Ελλάδας, των κρατών μελών της Ευρωπαϊκής Ένωσης και του Ενιαίου Οικονομικού Χώρου και των λοιπών κρατών των οποίων τα Εθνικά Γραφεία Διεθνούς Ασφάλισης δεσμεύονται να εφαρμόσουν το τμήμα ΙΙΙ της Ενοποιημένης Συμφωνίας και έχουν προσυπογράψει την “Πολυμερή Σύμβαση Εγγυήσεως μεταξύ Εθνικών Γραφείων Διεθνούς Ασφάλισης”, που εκδόθηκε στις 15 Μαρτίου 1991.

Optional

Roadside assistance

Optional

Optional coverage for vehicle breakdown assistance. Not available for vehicles over 3.5 tonnes gross weight, total vehicle length over 5,500 mm, width over 2,050 mm, or wheelbase over 3.15 metres. Emergency lines available 24/7.

Page 1

Section: Υπάρχουν περιορισμοί στην κάλυψη > Περιορισμοί κάλυψης στις προαιρετικές καλύψεις

Δεν χορηγείται η κάλυψη Οδικής βοήθειας σε οχήματα άνω των 3,5 Τ μικτού βάρους, ολικού μήκους οχήματος 5.500 χιλιοστά πλάτους 2.050 χιλιοστών και μεταξόνιο έως 3,15 μέτρα

Optional

Driver personal accident

Optional

Optional coverage providing compensation up to the agreed sum for total or partial incapacity or death of the driver resulting from an accident. Not available when the insured vehicle is a motorcycle.

Page 1

Section: Τι ασφαλίζεται > Προαιρετικά παρέχονται οι καλύψεις

Προσωπικό Ατύχημα οδηγού (αποζημίωση έως του συμφωνηθέντος ποσού για ολική ή μερική ανικανότητα ή απώλεια ζωής του οδηγού από ατύχημα) με εξαίρεση την χρήση Δικύκλου

Passenger accident coverage

No limit stated

No standalone passenger accident coverage is listed in the verified sources for this product. Passengers as third parties are covered under the compulsory bodily injury liability limit.

Key conditions

Driver restrictions

Coverage is not provided when the driver does not hold the required valid driving licence as prescribed by law. Coverage is also not provided when the driver is under the influence of alcohol or toxic substances in violation of the Highway Code. Coverage is excluded when the vehicle is used for a purpose different from that specified in the vehicle registration certificate, or when the vehicle participates in exhibitions, parades, official or unofficial races, speed or skill competitions, or related test runs.

Claim notification deadline

The insured must notify the Company in writing, immediately and no later than eight (8) working days from the date they became aware of the loss event. Changes in risk must be reported within 8 calendar days of becoming known.

Bonus-malus rules

Bonus-Malus protection (class preserved after up to two at-fault claims) is available as an optional add-on (Π.Κ.) across all packages (Standard, Advance, Value+, Full+), per the current product coverage matrix.

Source

Section: Καλύψεις > Προστασία Bonus Malus

Προστασία Bonus Malus Π.Κ. Π.Κ. Π.Κ. Π.Κ.

Territorial scope

Compulsory third-party liability cover is valid in Greece, EU/EEA member states, and other countries whose National Insurance Bureaux are bound to apply Part III of the Consolidated Agreement and have co-signed the Multilateral Guarantee Agreement of 15 March 1991. Optional coverages are valid within Greece only, unless otherwise specified in the policy.

Documents

IPID – Vehicle Insurance (Ασφάλιση Χερσαίων Οχημάτων), March 2020 (opens in a new tab)

Product information sheet · PDF

IPID Passenger Car Insurance – January 2024 (download page) (opens in a new tab)

Product information sheet · PDF

Private Passenger Car Insurance – Product Page (opens in a new tab)

Other document · PDF

Policy specifics

Third-party liability coverage

Mandatory coverage for damages caused to third parties' vehicles, property, or persons

Source

Section: Τι καλύπτουν τα προγράμματα μας > Αστική ευθύνη σε περίπτωση ατυχήματος

Καλύπτουμε τραυματισμό τρίτου προσώπου ή πρόκληση ζημιάς σε όχημα ή σε περιουσιακά στοιχεία τρίτου προσώπου.

Uninsured vehicle collision compensation

Coverage for damages from collision with uninsured vehicles when the other driver is solely at fault

Source

Section: Τι καλύπτουν τα προγράμματα μας > Υλικές Ζημιές από ανασφάλιστο όχημα

Αποζημιώνεστε για ζημιές από σύγκρουση με ανασφάλιστο όχημα, εφόσον ο οδηγός του ανασφάλιστου οχήματος είναι αποκλειστικά υπαίτιος.

Driver alcohol/drug use restriction

Third-party liability not covered when driver is under influence of alcohol or drugs in violation of traffic laws

Source

Section: What Our Plans Do Not Cover > Drivers under the influence of alcohol

When the driver is under the influence of alcohol or drugs in violation of traffic laws, we do not cover third-party liability.

Invalid or missing driving license restriction

Third-party liability not covered when driver does not hold required valid driving license

Source

Section: What Our Plans Do Not Cover > Drivers without a valid Driving License

When the driver does not hold a driving license as required by law, we do not cover third-party liability.

Sources

Apeiron Insurance Project Motor third-party liability

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