Practical answers to the questions that decide your cover: ENFIA discount, coverage gaps, earthquake cost, renewals and managing your policies — without the insurance Latin.
Updated 6 min read
Home insurance may reduce your ENFIA property tax if it meets AADE’s conditions. You need earthquake, fire and flood cover for the required period and amount. Your insurer sends the details to AADE. You check the application and link the policy to your home.
Updated 7 min read
A coverage gap may exist when a need is not covered or the insured amount is insufficient. Assessing it requires the terms and your actual circumstances. With Family, PolicyWallet flags specific document findings for review; it does not certify complete protection.
Updated 5 min read
Before every policy renewal, check seven things: what changed in your life, whether insured sums match today's values, the deductible level, the exclusions, the premium increase, at least one alternative quote, and continuity of coverage with no gap days. Start 30 days before expiry.
Updated 6 min read
Third-party liability covers damage your vehicle causes to others. Since 1 June 2025, vehicle insurance against forest fire and flood is also required, subject to statutory exceptions. Comprehensive insurance adds cover for damage to your own vehicle, but has conditions and exclusions.
Updated 6 min read
The deductible is your share of covered expenses. It may apply per year or per event. Some programmes count payments from EOPYY or other insurance towards it. Check the terms; this does not mean every hospital stay will be free.
Updated 6 min read
The price of earthquake insurance depends on the building, location, sum insured and terms. There is no single price per square metre for every home. Request a quote showing cover, exclusions and the share of a claim you pay.
Updated 5 min read
Before choosing pet insurance, check pre-existing conditions, waiting periods, age and breed. Also check preventive examinations and vaccinations. Terms vary by programme.
Updated 6 min read
Group insurance is a programme for a group such as a company's employees. It may include health, life or other benefits. Cover, eligibility and cost vary. Ask for your programme's information and terms.
Updated 6 min read
Uninsured vehicles are detected through electronic cross-checks run by the General Secretariat of Information Systems and Digital Governance, and by traffic police stops. A cross-check triggers a fine set by vehicle class — €250 for two-wheelers, €500 for passenger cars and €1,000 for public-use buses and lorries — while a roadside stop adds a fine and confiscation of the plates and registration. In an accident, the Auxiliary Fund compensates the third party and then recovers the full amount from the owner.
Updated 8 min read
You can use your insurer's app, your adviser's tools or document storage. Features vary by service. PolicyWallet brings together policies from different insurers and explains their contents; it does not accept premium payments or track claim progress.
Updated 7 min read
In insurance, “digital wallet” means two entirely different things. A payment wallet holds cards and moves money, so it can settle a premium wherever the insurer accepts that method. A policy wallet holds your contracts and your cover: it shows you what you pay and when cover ends, without moving any money at all.
Updated 6 min read
Document organisation, cover explanations and claim tracking are different functions. Check what each app offers. PolicyWallet organises and explains your documents. For claim progress, contact your insurer or adviser.
Updated 7 min read
Underinsurance exists when the sum insured is below the value that needs to be insured. If an average clause applies, the insurer may pay a smaller share of the loss. Check how your policy defines value and whether the rule is waived.
Updated 7 min read
Since 1 October 2025, properties offered for short-term rental require liability insurance for damage or accidents under Law 5170/2025. Separately, inform the insurer about the property's use and check whether the home policy covers it.
Updated 7 min read
ELGA insurance covers specific causes of damage to the current year’s crop. It does not generally cover the trees or plants themselves; the Regulation makes an exception for asparagus. The payment may be less than your loss. It follows official rules and values, rather than just your own costs. Below, we explain the steps with an example.
Did not find what you were looking for? See what your own policy says. Needs check in 6 steps
It is the amount up to which the insurer may pay for a cover. It is not the price of your insurance. The final payout also depends on the terms: what is excluded and which part of the loss you pay yourself.
Sum insured, limits and claimsHaving a home policy alone is not enough. Check earthquake, fire and flood cover, the sum insured and the insured period. The reduction depends on AADE’s conditions and application process for the relevant year.
Guide to the ENFIA reductionA bank package’s name does not establish its cover. In that programme’s terms, look for the listed belongings, whether theft or loss is covered, the limit per item and the documents needed for a claim. Ask your insurance advisor to clarify anything unclear.
How to read exclusionsCompare the old policy with the new terms: dates, premium, cover, deductibles and exclusions. An expiry reminder helps you organise the review; it does not renew the policy or confirm that cover continues.
Policy renewal checklistPolicyWallet brings together your policies from different insurers. You start with your own documents, without switching insurer. Storage limits, reminders and analysis features depend on your plan.
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