Private car and motorcycle insurance

Ethniki General Insurance has set up a series of six car (private passenger vehicle) and moped (≤50cc)/ motorcycle (>50cc) (MOTO) insurance plans, which are distributed by NBG's branch network : 

• Classic & Auto Protect Classic – Economy Option: Combine obligatory insurance required by law with selected further coverage necessary for the protection of the vehicle and the driver, such as repair of damage caused by an uninsured vehicle, and insurance premium guarantee.

• Extra & Auto Protect Extra – Extra Coverage: At a small additional cost, these packages offer all the insurance coverage included in the classic packages plus extra protection from the most common risks, such as theft, fire or natural phenomena including hail-storm, plus protection for the driver in the event of personal accident, and legal protection.

• Privileged & Auto Protect Privileged – Full Protection: Combine a full range of cover for the driver and vehicle, even if you are responsible for the accident (Comprehensive Insurance).

When you've got the right insurance, you can solve any problem easily.

We offer a range of six insurance plans, depending on the type of the vehicle (car or motorcycle) and the coverage provided.

The insurance plans are available for cars (private passenger vehicles) and mopeds (≤50cc) / motorcycles (>50cc) (MOTO).

(*) Coverage for motorcycles depends on their cubic capacity.

The Classic and Auto Protect Classic insurance packages are available for cars and motorcycles, while Extra, Auto Protect Extra, Privileged and Auto Protect Privileged insurance packages are available only for cars (private passenger vehicles).

An Auto Protect Extra insurance plan for cars of a value of up to €25,000 can be issued immediately without a pre-insurance control process. However, Ethniki General Insurance reserves the right to carry out an expert damage appraisal to check the insured vehicle, as the case may be, before or after the issuance of the insurance contract.

The packages are not available for vehicles already insured with Ethniki General Insurance or in the event there is a Classic, Auto Protect Classic, Extra, Auto Protect Extra, Privileged and Auto Protect  Privileged insurance contract already in force.

The insurance premium for each plan is related to a set of parameters, including: the use of the vehicle (private road vehicles, MOTO), engine capacity, KW of power, vehicle traffic zone, number of seats (only for cars), number of damages, driver's age(<23 years old), driving licence issue date (<1 year), existence of a trailer.

The insurance does not cover vehicles with temporary (short-term) or foreign licence plates, as well as rental vehicles for private use. This exception includes all forms of vehicle rental (leasing, long-and short-term rental etc.). Furthermore, all vehicles used for providing transfer services are also excluded.

Visit any of our NBG Branches , where our qualified NBG staff, certified in insurance intermediation services, will inform you responsibly and consistently about the features, covers and terms and conditions of all insurance packages, giving you all the appropriate information.

The information above is purely informative and does not replace neither the pre-contractual information provided by the current legislation nor the insurance contract and its general and special terms. Complete pre-contractual and contractual information for the specific product is available at NBG's branch network.  

The insurance plans has been set up by Ethniki General Insurance and are distributed by the branch network of National Bank of Greece SA, 86 Eolou, 10559 Athens, Company Reg. No.: 311481.The distribution of the insurance plans is only provided by qualified NBG staff, certified in insurance intermediation services. The Bank is registered with the Special Register of Athens Chamber of Tradesmen under Reg. No. 1028 as an insurance agent. The data of the Special Register are published on the electronic platform "Single Information Point for Active Insurance Intermediaries" (http://insuranceregistry.uhc.gr/), where you can verify the registration at the Special Register.

For more information, stop by one of our Branches today!

Basic documentation required:

• Valid Identity Card or Passport
• Copy of the vehicle license

Find out about the ID verification documents required by the current regulatory framework at Have you introduced yourself? If not ...do it now.​

Special features of the plan you’ve selected  

• Immediate issue of the Classic / Auto Protect Classic insurance plans contract upon payment of the respective premium.
• Fast and simple pre-insurance control process for the Extra / Auto Protect Extra and Privileged / Auto Protect Privileged insurance plans.
• Flexibility in terms of the duration of the insurance cover with choice of quarterly, 4-month, 6-month or 12-month insurance policy.
• Automatic payment of the premium via standing order for renewal of your insurance contract.
• Payment of insurance premiums for 6-month and 12-month coverage, using NBG credit cards, in up to 12 interest-free installments depending on the duration of the insurance coverage.
• Coordinated response in the event of an accident:
• Accident care
• Local towing services
• Road Assistance (optional coverage)
• Participation  in the Amicable Settlement System: even in the event of third-party liability, compensation is paid by Ethniki General Insurance.
• Coverage of damage to your vehicle caused by an uninsured vehicle and Legal Protection.
• Premium Guarantee: Your insurance premium is protected from increases for up to 2 accidents annually due to own liability.

Frequently asked questions - answers

• How can I pay my car insurance premium for my contract renewal without having to visit the Branch?
  Your insurance contract can be automatically paid via a standing order to NBG. The deposit account you state will be debited with the corresponding amount without you actually having to be present in the Branch. You can also carry out your premium payments via i-bank Internet Banking, Phone Banking, and ATMs using the  Electronic Payment Code quoted in the premium notice of payment.
• Can I pay my car or motorcycle insurance premium in installments?
  Using any NBG credit card, you can pay your vehicle insurance premium in up to 12 interest-free installments for 12-month insurance premiums and up to 6 interest-free installments for 6-month insurance premiums.​
• What must I do in the event of an accident?
  All six insurance plans (Classic / Auto Protect Classic, Extra / Auto Protect Extra, Privileged / Auto Protect Privileged) provide coverage within the context of Accident care.  In the event of an accident you should contact the 24/7 customer service line of Ethniki General Insurance immediately once the accident occurs at: 18189 or +30 210 90 99 999.  An Ethniki General Insurance associate will come directly to the scene of the accident and record the circumstances under which the accident took place, take photographs, complete the accident report and make the necessary arrangements for the towing of the vehicle, if necessary.
• If I don’t contact Accident Care on spot, what should I do in the event of damage?  
  In the event of damage, you will need to contact Ethniki General Insurance at 18189 to receive instructions in order to:  a) arrange an appointment for an expert damage appraisal to be carried out at the auto repair service shop that you have chosen or find out about auto repair service shops that work with Ethniki General Insurance, b) find out about the compensation process, and c) be updated on the precise status of the damage settlement procedure.
• What is the compensation procedure in the event of an accident?
  Following the completion of repair works on your vehicle, you need to send the original invoices by registered mail to Ethniki General Insurance in order to finalize the settlement procedure, unless repair works are carried out by an auto repair shop working with Ethniki General Insurance, in which case the repair cost will be paid directly.
• All six insurance plans (Classic / Auto Protect Classic, Extra / Auto Protect Extra, Privileged / Auto Protect Privileged) provide coverage within the context of Premium Guarantee.  What does this coverage include?

  The Premium Guarantee coverage ensures that the insurance category (bonus-malus) will not be notched upwards and the premium will not increase for up to two damage events due to own liability, for every insurance year (irrespective of the duration of the insurance coverage, which can be 12-month, 6-month, 4-month or quarterly). ​