Premium calculation · Third-party liability
Personal liability insurance
The reference case costs from €47 to €63 depending on the company. From there, 5 tables with 19 bands in all raise or lower the price - the same steps at every company, a different height.
The reference case
Every factor below is 1.00 for this case. Its price is each company's base, plus the rates on the sums it declares.
- Cover limit
- €100,000
- People in the household
- 3
- Pets
- None
- Your home
- Owned
- Postcode
- no postcode: the rural mainland
The tiers
The price of the basic example by tier, base and percentages on the sums insured, at the company with the cheapest and the company with the dearest estimate.
| Plan | Cheapest | Dearest | Spread |
|---|---|---|---|
| FamilyCovers you and your household. · the reference tier | €47Hellas Direct | €63Allianz Ευρωπαϊκή Πίστη | +34%18 companies |
| With petsCovers your pet as well. | €58Hellas Direct | €79Allianz Ευρωπαϊκή Πίστη | +36%18 companies |
| With employer's liabilityCovers your staff as well. | €70Hellas Direct | €95Allianz Ευρωπαϊκή Πίστη | +36%18 companies |
The factors
The same bands at every insurer, different coefficients
Every figure is one table of the calculation. The two columns in each band are the cheapest and the dearest estimate for the basic example.
From × 0.65 to × 1.56 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | Hellas Direct | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| €50,000 | × 0.65 | × 0.82 |
| €100,000 | × 1.00 | × 1.00 |
| €300,000 | × 1.35 | × 1.18 |
| €500,000 and over | × 1.56 | × 1.28 |
From × 0.71 to × 1.13 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | Hellas Direct | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| one person | × 0.71 | × 0.86 |
| two people | × 0.87 | × 0.94 |
| three people | × 1.00 | × 1.00 |
| four people and over | × 1.13 | × 1.06 |
From × 1.00 to × 1.51 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | Hellas Direct | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| no pet | × 1.00 | × 1.00 |
| one pet | × 1.29 | × 1.14 |
| two or more | × 1.51 | × 1.26 |
From × 1.00 to × 1.19 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | Hellas Direct | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| owner | × 1.00 | × 1.00 |
| tenant | × 1.19 | × 1.10 |
From × 0.98 to × 1.10 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | Hellas Direct | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| Attica | × 1.10 | × 1.10 |
| Thessaloniki | × 1.06 | × 1.06 |
| Large cities | × 1.02 | × 1.02 |
| Rest of mainland Greece | × 1.00 | × 1.00 |
| Islands | × 0.98 | × 0.98 |
| Greece, national average | × 1.04 | × 1.04 |
Extra covers
A flat price a year, unless the tier already includes it.
| Cover | Inside the tier | Cheapest | Dearest | Spread |
|---|---|---|---|---|
| Legal protectionA lawyer at the company's expense when the other driver is at fault and their insurer refuses to pay. It costs a few euros a year and is the difference between claiming and letting it go. | - | €37Hellas Direct | €49Allianz Ευρωπαϊκή Πίστη | +32%18 companies |
| Damage to a rented propertyThe damage you do to the house you rent: the washing machine flood, the kitchen fire. Without it the landlord takes it out of the deposit and chases you for the rest. | Covers your staff as well. | €24Hellas Direct | €32Allianz Ευρωπαϊκή Πίστη | +33%18 companies |
| Domestic employer's liabilityIf the cleaner or the carer is injured inside your home. It is an accident at work and the liability is yours. | Covers your staff as well. | €29Hellas Direct | €39Allianz Ευρωπαϊκή Πίστη | +34%18 companies |
| Bicycle and e-scooterThe damage you do to a pedestrian or a car with a bicycle or a scooter. The likeliest accident in a city filled with two-wheelers that carry no plate. | Covers your pet as well.Covers your staff as well. | €10Hellas Direct | €14Allianz Ευρωπαϊκή Πίστη | +40%18 companies |
| DroneDamage caused by a drone. The regulation requires it for some categories, and almost nobody knows until they are asked for it. | - | €14Hellas Direct | €18Allianz Ευρωπαϊκή Πίστη | +29%18 companies |
Minimum premium: from €26 to €35 depending on the company. No price falls below its own.