Tool
Claim or pay
Should I claim the damage or pay it myself?
A claim that was your fault raises the premium for years. Type what you pay, how much it rises and what the damage costs, and see which of the two is cheaper.
- A claim that was your fault raises the premium for some years, by the bonus-malus scale of your insurer, and each insurer has its own.
- Ask how much it rises and in how many years it falls back.
- If the damage costs less than the rise of all those years together, paying it yourself is cheaper.
Calculate
How the premium rises
Each insurer keeps your years with no claim that was your fault, on a scale of classes. A claim that was your fault moves you up a class, and the next renewal costs more. Each insurer has its own scale: the worst class is the 7th at one and the 10th at another. So the tool asks for the two numbers of your own insurer.
A theft, hail or a broken window is not an at-fault claim, and does not change your class.
If you pay it yourself
If you do not report the damage and agree with the other driver to pay them yourself, the insurer does not count it. This is legal, as long as the other driver is paid. Write the agreement on paper with the details of both of you, the amount and their signature, and keep the receipt of the payment.
How we work it out
The calculation takes the rise of the first year and the years you type, and assumes that the rise falls in equal steps to nothing. With a premium of 100 €, a rise of 40% and four years, you pay 40, 30, 20 and 10 € more, so 100 € in all. If the damage costs less than that total, paying it yourself is cheaper.
The example opens on the average liability premium of 2024 in the statistical yearbook of the ΕΑΕΕ, without taxes. We found no insurer that publishes its bonus-malus scale, so you type it yourself. How we calculate.
Sources
- gocar.gr, Σωτήρης Χάλλας: «What is Bonus Malus? How it affects the premium of your car» (in Greek), 14 Μαΐου 2024
- Στατιστική Επετηρίδα Ασφάλισης Αυτοκινήτων ΕΑΕΕ : 2024, 2025
- Hellas Direct, Έγγραφο πληροφοριών για το ασφαλιστικό προϊόν, Cars, Μάρτιος 2025
- Υδρόγειος, IPID ECO για επιβατικό, 2024
- Allianz, IPID My Motor Advanced Plus, Οκτώβριος 2025
Text size
Frequently asked questions
What people usually ask
01 When is a claim counted as your fault?
A damage your insurer paid because you were at fault. A theft, hail, a broken window or a damage someone else caused you do not change your class.
02 Is it legal not to report the damage?
Yes, as long as the other driver is actually compensated. Write the agreement on a sheet with the details of both, the amount and the signatures, and keep the proof of payment.
03 How long does the increase last?
As long as the scale of your insurer says, and each insurer has its own. Ask in how many years with no claim you are back in your class of today.
04 If I change insurer, is the record lost?
No, if you get a claims history certificate from the old insurer. Without it, the new one may put you in the base class, as if you were starting from scratch.
05 What is bonus protection?
A small extra cover that keeps your class after one claim a year. Its terms and its price change from insurer to insurer: ask yours for them.