Uninsured vehicle fines in Greece: amounts and process

PolicyWallet editorial teamUpdated: 21 October 20266 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.

How are uninsured vehicles detected?

Two mechanisms run in parallel. The first is electronic: the General Secretariat of Information Systems and Digital Governance, at least once every calendar half-year, cross-references the vehicle registry with the insured-vehicle Information Center; any vehicle with active registration that does not appear insured is flagged without a roadside stop. The second is the classic traffic police check.

If you do not use the vehicle, lawful immobilisation must be declared. Keeping it on private property is not enough. Forest-fire and flood insurance is a separate requirement and also applies during administrative immobilisation.

What fines and penalties apply?

The electronic cross-check triggers a fine imposed by the Financial Crime Directorate (Γ.Δ. Σ.Δ.Ο.Ε.), set by vehicle class rather than by engine size: €250 for two-wheelers, €500 for passenger cars and any other vehicle, and €1,000 for public-use buses and lorries. The amounts are set in article 23 of law 5113/2024. Paying the fee does not legalize you: the vehicle must also be insured within the set deadline, or stricter penalties follow.

At a police stop, penalties are heavier and immediate: a monetary fine, confiscation of plates, registration, and license — and driving uninsured is also a criminal offense.

What happens when an uninsured vehicle causes an accident?

The Motor Insurers' Bureau may compensate the injured party under statutory conditions and then recover the amounts from those responsible. Paying a fine does not remove liability for the accident.

How do you resolve the issue quickly?

Read the notice and its deadlines. If insurance is needed, confirm when cover begins; new insurance does not cover the previous period retrospectively. If the information is wrong, collect evidence and follow the objection procedure.

What does an objection turn on, and how long do you have?

Law 5113/2024 (Government Gazette A΄ 96/21.06.2024) provides a right to object to the penalty notice. The objection is filed electronically, through a dedicated application on the national digital portal, within ten (10) working days of the notice being served. It is examined by the authority that imposes the relevant fine, which decides within thirty (30) working days; where it is accepted, the fine or the road tax is written off.

The statute sets out the right and the deadlines. It does not enumerate what proves that cover was in force — the text does not say, and we do not fill that in. What you can gather is your own documents and the dates on them.

The question is one about time, not about procedure: what your documents showed for that particular day. Every period of insurance has a start and an end printed on it, and switching insurer mid-year leaves two pairs of dates instead of one. If there is a gap, it sits between them.

«Ημερομηνία έναρξης» and «ημερομηνία λήξης» — the inception and expiry dates of the period of insurance, printed on the policy and on the certificate.
The «βεβαίωση ασφάλισης» — certificate of insurance — for every period that touches the day in question, not only the current one.
The «αποδείξεις πληρωμής ασφαλίστρου» — premium payment receipts — and their dates.
If you switched insurer: the end of the previous period beside the start of the next — whether they meet, or leave days between them.
The date the notice was served, from which the ten working days are counted.

Frequently asked questions

My vehicle sits in my yard unused — does it need insurance?

Not using it is not enough. Third-party liability and lawful immobilisation have specific rules. Forest-fire and flood cover is also required during administrative immobilisation, subject to statutory exceptions.

I paid the fee — is the matter closed?

No. The fee is a penalty, not a permit. If the vehicle is not insured (or immobility declared) within the deadline, stricter consequences follow at the next cross-checks.

How do I check whether my vehicle shows as insured?

Via the vehicle insurance check service of the Information Center (through gov.gr) using the plate number. Worth checking after every insurer switch — delayed registry updates have caused erroneous notices.

How long do I have to file an objection?

Ten (10) working days from service of the penalty notice, filed electronically through a dedicated application on the national digital portal. The authority that imposes the fine decides within thirty (30) working days, and if the objection is accepted the fine or the road tax is written off (Law 5113/2024, article 24).