Guides
Insurance guides for the Greek market
Practical answers to the questions that shape your coverage: the ENFIA discount, coverage gaps, and smart renewals — without insurance jargon.
How do you get the ENFIA tax discount with home insurance?
If your home is insured against all three risks — earthquake, fire, and flood — you are entitled to an ENFIA property-tax discount. The discount started at 10% in 2022 and has since been increased for homes with lower taxable value. A minimum policy duration and adequate insured sum are required; your insurer reports the data to the Greek tax authority (AADE).
Read the guideWhat are coverage gaps and how do you find them?
A coverage gap is the difference between what you think your policy covers and what it actually covers. It hides in exclusions, insufficient insured sums, and risks that were never added. You find it by carefully reading the terms — or automatically, by uploading the policy to an analysis tool like PolicyWallet.
Read the guideWhat should you check before renewing an insurance policy?
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.
Read the guideWhat does car insurance cover?
Mandatory car insurance covers only the damage you cause to others — not your own vehicle. Basic packages typically add glass breakage and roadside assistance, while comprehensive (mikti) also covers own damage subject to a deductible. Critical exclusions: driving under the influence, without a licence, or by an undeclared driver.
Read the guideHealth insurance deductibles: how do they work?
A deductible is the portion of hospital costs you pay before your health policy kicks in. It is defined annually or per incident — typically €300 to €5,000 — and the higher it is, the lower your premium. It can often be absorbed by the public fund (EOPYY) or an employer group policy, so you may end up paying nothing.
Read the guideHow much does earthquake insurance cost?
Earthquake cover is priced as a rate on the insured sum — indicatively a few euros per €1,000 of capital per year, depending on construction year and location. For a home insured for €150,000, the extra cost typically runs from tens to a few hundred euros annually, with a deductible around 2% of the sum insured. Combined earthquake-fire-flood cover also unlocks the ENFIA tax discount.
Read the guidePet insurance: what is excluded?
Pet insurance almost never covers pre-existing conditions, and most benefits activate only after waiting periods of days to months. Breed-specific exclusions or surcharges, entry age limits, and no preventive care are also common — vaccinations and antiparasitics usually sit outside the basic plan.
Read the guideEmployer group policies: what they provide and what to add individually
An employer group policy typically provides in-hospital and outpatient cover, life insurance, and permanent disability benefits — with no medical underwriting and costs borne mostly by the employer. Its limits: it ends when you leave, sums are often low, and you cannot customize it. That is why it works best as a base layer topped up individually.
Read the guideUninsured vehicle fines in Greece: amounts and process
Uninsured vehicles are detected through AADE electronic cross-checks and traffic police stops. A cross-check triggers an administrative fee scaled by vehicle category — indicatively €100 to €250 — while a roadside stop adds a fine and confiscation of plates. In an accident, the Auxiliary Fund compensates the third party and then recovers the full amount from the owner.
Read the guidePricing
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