Personal insurance
Cover for
every part of life here.
Car, home, health, life, travel and boat insurance for people who live in Greece, are moving here or own property here. We ask the insurers we work with for proposals and explain them side by side.
At a glance
Personal insurance in Greece: what you need and what you can choose
Personal insurance in Greece covers your car or motorbike, your home, your health, your life, your travel and your boat. Only part of it is compulsory: third-party cover for vehicles on Greek plates and wildfire-and-flood cover for every vehicle kept in Greece, third-party cover for e-scooters, and liability cover for many boats and for homes let short-term. The rest is your choice, although some residence permits and visas require health or travel medical cover.
- Car and motorbike: third-party cover from the day of Greek registration, even when parked, unless officially immobilised
- Wildfire and flood for vehicles: compulsory since 1 June 2025, even for an officially immobilised vehicle; no fine, but no state disaster aid without it
- E-scooters: third-party cover compulsory since 24 July 2026, at least €50,000
- Boats: liability cover compulsory for pleasure boats over 7 metres and for speedboats
- Short-term rentals: liability cover compulsory since 1 October 2025
- Permits and visas: private health cover for holders of permits without access to the labour market, such as the Golden Visa; dependent family members of someone with that access are insured in the public system instead; at least €30,000 of travel medical cover for a Schengen visa
Legal facts checked in October 2026 · Sources
This page brings together the personal cover we arrange, what each one pays for and where Greek law makes it compulsory. Jump to a section:
- Car and motorbike insurance
- Home insurance
- Health insurance
- Life insurance
- Travel insurance
- Boat insurance
- Savings and pension plans
Looking for cover for a company or a self-employed activity? See business insurance.
The legal minimum
Which insurance is compulsory in Greece?
For individuals, Greek law requires insurance in a handful of cases. Everything else is optional, and we explain what each option adds.
| Cover | Compulsory? | What the rule says |
|---|---|---|
| Car and motorbike: third-party liability | Yes | For every vehicle normally kept in Greece, from the day it receives Greek registration and plates, whether it is driven or not, unless it has been officially immobilised (ακινησία). The fine for an uninsured vehicle is €500 for a car and €250 for a motorbike. |
| Car and motorbike: wildfire and flood | Yes, since 1 June 2025 | For every vehicle normally kept in Greece, even when it is officially immobilised. Wildfire and flood only, not earthquake. There is no fine, but without this cover you cannot receive state disaster aid for the vehicle. |
| E-scooters and other personal light electric vehicles | Yes, since 24 July 2026 | The owner or keeper needs third-party cover of at least €50,000 per incident and per year. The fine for an uninsured e-scooter is €250. |
| Boats | Yes, for many craft | Pleasure boats over 7 metres and speedboats, for example a boat with an outboard engine over 25 hp. An uninsured boat costs the owner €150 per metre, and it may not sail until the certificate is shown. |
| Homes let short-term (Airbnb and similar) | Yes, since 1 October 2025 | Liability cover taken out by the owner. Inspectors can fine the property manager €5,000. |
| Your own home | Not by law for a private home | A mortgage lender may require it. Insuring the home against earthquake, fire and flood together can reduce your ENFIA property tax, if the conditions are met. |
| Health | Depends on your status | If you work in Greece with access to the labour market, you are insured with your social insurance fund like Greek nationals, and your dependent family members are insured in the public system too. Otherwise, if you are a non-EU resident without access to the labour market, such as a Golden Visa holder, you need private health insurance unless a foreign provider already covers you in Greece. |
| Travel | For some visas | A Schengen short-stay visa needs travel medical insurance of at least €30,000, covering emergency medical care, hospital treatment and repatriation for the whole stay. |
| Life | No | Your choice. A lender may ask for it with a mortgage. |
Public healthcare: since 1 November 2025, uninsured legal residents need an active AMKA to use public health facilities without paying for their care. An AMKA on its own is not health insurance.
Third-party cover pays other people for the harm you cause. It does not repair your own car, boat or home, and it does not pay for your own injuries.
Car & motorbike insurance
On the road,
with the right cover.
Every car and motorbike on Greek plates needs third-party liability cover, even when parked, and since 1 June 2025 wildfire and flood cover too. Everything else is optional: we explain what each option adds and what it leaves out.
- Third-party liability (compulsory)
- Wildfire and flood (compulsory since 1 June 2025)
- Fire and theft
- Own damage
- Glass
- Roadside assistance
- Legal protection
- Driver's personal accident
Read the car insurance guide →
Get a quote
Home insurance
Your home,
protected.
Cover for the building, the contents and your liability, for owners and tenants, main homes and holiday homes. If you let the home short-term, liability cover is compulsory since 1 October 2025.
- Building and contents
- Fire, explosion and smoke
- Flood, storm and other natural events
- Earthquake (optional)
- Theft
- Liability to neighbours and visitors
- Liability for short-term rentals
Read the home insurance guide →
Get a quote
Health insurance
Your health,
with a clear plan.
Private plans sit alongside public healthcare, from hospital plans to outpatient visits and diagnostic tests. Some residence permits require a private policy, and we explain which plans meet the rules for yours.
- Hospital care and surgery
- Outpatient doctor visits
- Diagnostic and laboratory tests
- Plans for residence permits
- Cover for the whole family
Read the health insurance guide →
Get a quote
Life insurance
Your family,
looked after.
Life cover pays a sum to the people you choose if you die, and can also pay out for permanent disability or a critical illness. It is not compulsory, but a lender may ask for it with a mortgage.
- Death from any cause
- Permanent total disability
- Critical illness
- Extra benefit for accidental death
- Mortgage protection
Read the life insurance guide →
Get a quote
Travel insurance
Travel,
without the worry.
For trips abroad from Greece and for visitors to Greece. The EHIC covers only treatment in the public system that cannot wait, not private care or repatriation, and a Schengen visa needs travel medical cover of at least €30,000.
- Medical expenses and repatriation
- Trip cancellation and interruption
- Lost or delayed baggage
- Flight delay
- Policies for Schengen visa applications
Read the travel insurance guide →
Get a quote
Boat insurance
At sea,
with peace of mind.
Third-party liability is compulsory for many craft, including pleasure boats over 7 metres and speedboats. Hull cover for the boat itself is optional.
- Third-party liability (compulsory for many craft)
- Hull and equipment
- Crew and passenger personal accident
- Theft of equipment
- Towing and assistance at sea
Read the boat insurance guide →
Get a quote
Savings & pension
Plan for
the years ahead.
Life policies that build up savings, and private pension plans that add to your state pension. Terms, charges and the way returns are paid differ from plan to plan, so we set them out side by side.
- Savings plans with life cover
- Unit-linked investment plans
- Private pension plans
- Savings for your children
How we work
One request,
proposals side by side.
Proposals side by side
We ask the insurers we work with for proposals and explain them side by side: what each one covers, its main exclusions and its price.
Your decision
You choose, with no obligation. You pay us no separate fee: our commission is already included in the premium.
No office visit needed
We arrange cover by phone, email and online, and we stay in touch for renewals, changes and claims.
Guides
Special situations,
explained.
The rules that most often catch out people who live in Greece, are moving here or own property here.
Frequently asked questions
What insurance is compulsory in Greece?
For individuals, the main legal duties are third-party cover for every car and motorbike on Greek plates, unless it is officially immobilised; wildfire-and-flood cover for every vehicle normally kept in Greece, even when immobilised; third-party cover for e-scooters since 24 July 2026; liability cover for many boats, including pleasure boats over 7 metres and speedboats; and liability cover for homes let short-term since 1 October 2025. Home, life and private health insurance are otherwise your choice, although some residence permits and visas require health or travel medical cover.
Can foreigners buy insurance in Greece?
Yes. What you need depends on what you insure and on your situation, not on your nationality: a car on Greek plates, for example, needs third-party cover whoever owns it. Each insurer asks for its own documents, such as a passport, a residence permit or a Greek tax number (AFM), and we tell you in advance which apply to you.
Do I need a Greek tax number (AFM) to get insurance?
Not to ask for a quote. Whether an insurer can issue a policy without an AFM depends on the insurer and the type of cover, so tell us if you do not have one yet and we will tell you what applies.
Is the European Health Insurance Card enough for a trip to Greece?
The EHIC gives you treatment that cannot wait until you get home, from the public system, with the same rights as people insured in Greece. It does not cover private healthcare, or rescue and repatriation, so travel insurance fills that gap.
Do I need private health insurance for a residence permit in Greece?
If your permit does not give you access to the labour market, as with the Golden Visa or the financially independent person permit, and you are not the dependent family member of someone who has that access, Greek law expects private health insurance, unless a foreign provider already covers you in Greece. The policy must meet set minimum covers, which our guide to health insurance for a residence permit explains.
Does home insurance in Greece cover earthquakes?
Not always: earthquake is often an optional extra with its own excess, so check the policy. Insuring a home against earthquake, fire and flood together can also lower your ENFIA property tax by 20%, or by 10% for a home with a taxable value above €500,000, if the conditions are met.
How much does insurance cost in Greece?
It depends on what you insure and on your situation, so a general figure would not tell you what you will pay. Send us your details and we reply within 24 hours on working days with proposals from the insurers we work with, side by side, or with any detail we still need.
Do I pay you a fee?
You pay us no separate fee: our commission is already included in the premium.
Sources
Where the legal facts come from
The legal facts on this page were checked in October 2026 against these official sources. Laws change: our guides give the detail for each type of cover.
- ν. 5113/2024, art. 4 (art. 2 §1 π.δ. 237/1986): compulsory third-party cover for vehicles normally kept in Greece, unless immobilised
- ν. 5113/2024, art. 23: fines for uninsured vehicles found by electronic checks
- ν. 5116/2024, art. 5A: compulsory wildfire and flood cover for vehicles, from 1 June 2025
- ν. 5322/2026, art. 78 (art. 27A ν. 4784/2021): compulsory insurance for e-scooters and other personal light electric vehicles
- ν. 4926/2022, art. 17: compulsory insurance of pleasure boats and art. 74: speedboats and rented boats
- ν. 4926/2022, art. 20: fines for uninsured boats
- ν. 5170/2025, art. 3: liability insurance and fines for short-term rentals
- AADE: questions and answers on the ENFIA reduction for insured homes
- ν. 5038/2023 (Migration Code), art. 8(ε): sickness insurance of non-EU residents, public or private
- Ministry of Health circular of 3 November 2025: active AMKA for access to public health facilities
- Your Europe (European Commission): healthcare on temporary stays and the EHIC
- Hellenic Ministry of Foreign Affairs: general Schengen visa requirements, travel medical insurance
No obligation
Tell us what you need.
We explain the options side by side.
Car, motorbike, home, health, life, travel or boat. We reply within 24 hours on working days.