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For residents and expats. For individuals and families

Insurance in Greece, Arranged Online

DigiCare places car, motorbike, home, health, residence-permit, travel, life, pet and business cover with insurers on the Bank of Greece register.

Get a free quoteHealth insurance for a residence permit
  • Offers from insurers on the Bank of Greece register
  • Product information document with every offer
  • Written answer to a complaint within 50 calendar days
A sunlit residential street in Athens with a parked car and a neoclassical entrance

Product information before you buy

Each offer includes the insurer's product information document (the IPID for non-life cover).

We place cover with insurers listed on the Bank of Greece register of insurance undertakings.

Product lines, from car cover to professional indemnity
13
Languages on this site: Greek, English, German, Polish, Hebrew and Russian
6
Legal deadline for an insurer to answer your written complaintBank of Greece, complaints
50 days

Which insurance can you buy online with us?

We quote personal cover for cars, motorbikes, homes, health, life, travel and pets. We also quote health insurance for a residence permit and cover for businesses. Each line below has its own page that explains the cover and holds a short quote form. You see offers from several insurers before you decide.
Everyday things people insure in Greece: a car key, a house key, a passport and a pet lead on a table
Residence permit and visa

Health insurance for a residence permit

For applicants whose Greek residence-permit file asks for private health insurance.

See residence-permit cover

Vehicles

  • Car insurance

    Third-party liability is compulsory. Wider cover can add fire, theft, glass and roadside help.

  • Motorbike insurance

    Compulsory third-party cover, with theft and fire as options for scooters and motorcycles.

Home

Health and life

  • Health insurance

    Private hospital plans, with outpatient cover as an option.

  • Life insurance

    A lump sum for your family if you die during the policy term.

Travel and pets

  • Travel insurance

    Medical costs abroad, cancellation and lost luggage, per trip or per year.

  • Pet insurance

    Vet bills for dogs and cats, within the limits of the policy.

Business

Trucks, taxis, trailers and farm vehicles: choose car or motorbike in the quote form and tell us the vehicle type.

Not sure which cover you need?

Tell us in the quote form what you want to protect. We reply with the products that fit and their offers.

Start a quote

Residence permit and visa

Health insurance for your Greek residence-permit file

Your application for a Greek residence permit may ask for private health insurance. We quote that cover and send the insurance certificate for your file.

Golden Visa investors, digital nomads, students and employees each get a page that explains what their permit asks for.

  • An insurance certificate issued by the insurer, ready for the permit file
  • One quote form for Golden Visa, digital nomad, student and work-permit applicants
  • The insurer that issues the policy is named in your offer
Get a residence-permit quoteHow residence-permit cover works
An applicant at a desk with a passport and an insurance certificate for a residence-permit file

How it works: from quote to policy

You fill in one short form, we send offers from the insurers we work with, and you choose one. Each offer names the insurer and comes with its product information document. The insurer issues the policy. Cover starts on the date shown in your policy schedule.
Start my quote
A person comparing insurance offers on a laptop at a kitchen table
  1. 01

    Tell us what to insure

    Pick the product and fill in the short form. It takes a few minutes and needs no account.
  2. 02

    Compare offers

    We send offers from the insurers we work with. Each one shows the price, the cover and the product information document.
  3. 03

    Choose, pay, get your policy

    You pick an offer and pay. The insurer issues the policy, and cover starts on the date in the schedule.
  4. 04

    Renewal and claims

    We remind you before renewal. The insurer's claims contact is in your policy documents.
If you disagree with a claim decision, complain to the insurer in writing first. It must answer within 50 calendar days. After that you can use the Bank of Greece complaint form.

Which insurers do we place cover with?

An insurance company underwrites your policy, not DigiCare. The insurer carries the risk, issues the policy and pays claims. Every offer we send names that insurer. You can check any insurer on the Bank of Greece register of insurance undertakings before you buy.

Online, bank, insurer direct or local office: what changes?

Every route sells the same regulated insurance product, and your legal rights attach to the policy. What changes is how many insurers you see, who you deal with when you claim, and how the seller is paid. The table sets out the six common routes side by side.

  • DigiCare online

    Our route

    Insurers you see
    Several insurers, each named in your offer
    Who handles your claim
    The insurer that issued your policy assesses and pays it
    How the seller is paid
    Commission from the insurer, included in the premium
    Main advantage
    Offers from several insurers through one form, in six languages

  • Insurer direct, online or at a branch

    Insurers you see
    One insurer
    Who handles your claim
    The same insurer
    How the seller is paid
    The insurer's own staff, paid by the insurer
    Main advantage
    One company from quote to claim

  • Bank branch

    Insurers you see
    Usually one or a few partner insurers
    Who handles your claim
    The insurer, often through the branch
    How the seller is paid
    Commission from the insurer
    Main advantage
    Cover can be bundled with a loan or mortgage

  • Local insurance agent

    Insurers you see
    One or several insurers, named by the agent
    Who handles your claim
    The insurer, with the agent in person
    How the seller is paid
    Commission from the insurer
    Main advantage
    You meet the same person in an office

  • Insurance broker

    Insurers you see
    A sufficient number of contracts across the market
    Who handles your claim
    The insurer, with the broker acting for you
    How the seller is paid
    Insurer commission, a fee agreed in writing, or both
    Main advantage
    Acts on your written mandate with an impartial analysis

  • Comparison website

    Insurers you see
    Its partner insurers
    Who handles your claim
    Depends on the registered firm behind the site
    How the seller is paid
    Depends on that firm's registered category
    Main advantage
    Many prices on one screen

Law 4583/2018 sets the distributor categories and how each is paid. The Bank of Greece explains each category.

An insurance adviser explaining a policy document to a customer

Why DigiCare

What you get when you buy through us

We keep the process short and put the facts you need in front of you before you pay.

  • The insurer is named before you pay. Every offer states which insurer carries the risk, with its product information document to read first.

  • Six languages. This site and the quote form work in Greek, English, German, Polish, Hebrew and Russian.

  • A reminder before renewal. We write to you before your policy renews, so you can compare offers again.

Frequently asked questions

Is it safe to buy insurance online in Greece, and how do I check that an intermediary is registered?
Yes, if the seller is registered. Every insurance intermediary based in Greece must be entered in the registry of its professional chamber. You can search any intermediary by name, tax number or ΓΕΜΗ number in the ΕΣΗΠ registry. An intermediary from another EU country working in Greece under freedom of services appears in its home regulator's register and the EIOPA register. The Bank of Greece supervises insurance distribution under Law 4583/2018.
Does buying through an agency cost more than going to the insurer or a bank?
An insurance agent is paid a commission by the insurer, and that commission is already included in the premium (Law 4583/2018, Art. 5 and Art. 29). A bank that sells insurance acts as an agent and is paid the same way. A broker may also charge you a fee, but only under a written agreement, as the Bank of Greece explains.
Who helps me when I have a claim?
The insurer that issued your policy assesses the claim and pays it. Its claims contact and the documents it needs are in your policy and product information document. If you disagree with its decision, complain to the insurer first. It must answer in writing within 50 calendar days, and the Bank of Greece complaint form comes next.
How fast do I get my policy and certificate?
The insurer issues the policy once you accept an offer and pay. Cover starts on the date shown in the policy schedule, not on the day you send the form. For a car, make sure cover has started before anyone drives it, because third-party cover is compulsory on Greek roads.
Why is the price different on every site?
Each site quotes from its own panel of insurers, and each insurer prices risk its own way. Sites also assume different profiles when they show a starting price: age, postcode, vehicle, excess or cover level. Compare offers only for the same cover, the same excess and the same start date.
Can I insure a car with foreign plates, or buy cover without a Greek tax number?
It depends on the insurer and the product. Some policies need a Greek tax number (ΑΦΜ) or a Greek-registered vehicle, and others do not. Tell us your residency, the plate country and whether you have an ΑΦΜ in the quote form. We then send offers only from insurers that accept that profile.
Is earthquake cover included in home insurance in Greece?
Not always. Many home policies cover fire and basic perils and offer earthquake as an optional extra at an additional premium. The IPID lists which perils are included, so read it before you buy. Each home insurance offer we send states whether earthquake is covered.
How are claims paid after a declared natural disaster?
Your insurer pays under your own policy, and only for the perils it covers, such as fire, flood or earthquake if you added them. State support after a declared disaster is paid through the state-aid platform arogi.gov.gr. It is separate from insurance and does not replace it. The product information document shows which natural perils your policy includes.
More questions and answers

Ready to compare offers?

One short form, offers from several insurers, and no obligation to buy.

Get a free quote
Email
info@digicare-insurance.gr

Important information

  • Cover is underwritten by the insurer named in your offer. Terms, exclusions and limits are in the policy documents (IPID) provided before purchase.

Reviewed by Costas Matheou, licensed insurance agent. Last updated:

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