Terms of use

What this service is

Fthini Asfalia (fthiniasfalia.gr) is an information tool that compares estimated insurance premiums. It shows our own estimate of the premium of each company. The estimate comes from our own research of the market and our judgement as people of the industry, with the algorithm that we publish on how we calculate. Beside it, the site shows the market average from public figures, and the prices that the companies print on their own sites. We sell no insurance.

The prices are not offers

No price on this website is an offer, a proposal to contract or a commitment of any insurance company. The prices of each company are our own estimates, and they can be wrong. The order of the companies in the comparison is the order of our own estimate, not an official ranking. The market average comes from public figures, and the prices of the companies from their own pages, with the day we read them. All of them may differ, upwards or downwards, from the price the company gives you.

A binding price is given exclusively by the insurance company, after full details of the vehicle and the driver and under its own underwriting terms. A company may refuse to insure you altogether, even if it appears in our comparison.

We are not an insurance intermediary

The website does not carry on insurance distribution within the meaning of Greek law 4583/2018. We do not conclude insurance contracts, we do not carry out preparatory work towards concluding them, we do not pass user details to insurance undertakings or intermediaries, and we receive no fee or commission from them.

We give no advice

The content of the website is general information. It is not a personalised recommendation or advice on choosing an insurance product, and it takes no account of your individual needs, your financial situation or your investment objectives.

Company names

The names, marks and trade names of the insurance companies belong to their owners and are used solely to identify and compare them. None of these companies is affiliated with the website, approves it or endorses it.

Liability

We make reasonable efforts to keep the calculations and the information accurate and current. We publish the algorithm that we calculate with, and the data year of every public figure that we use. We do not, however, guarantee their accuracy, completeness or fitness for a particular purpose.

We accept no liability for loss that may arise from using the figures of the site as a substitute for a formal quote. The decision to insure and the choice of company are yours, and are made on the documents the company gives you.

Changes

These terms may change. The date at the top of the page shows the last update.

Governing law

Greek law applies. The courts of Athens have jurisdiction.

Questions: fthiniasfalia.gr@gmail.com