Tool
Insurance check
Is your vehicle insured?
Two free services tell you in a minute, from the plate. Here you also find what happens if it is not.
- Two free services of the state show from the plate whether a vehicle is insured, and with which insurer.
- Any vehicle the cross-checks find uninsured gets a fine of €500 for a car and €250 for a motorcycle.
- If it is still uninsured at the next check, within three months, its plates are taken.
How to check a plate
Two free services show whether a vehicle is insured. The first needs only the plate. The second also needs the owner’s tax number, and shows the insurer too.
We do not ask for your plate and do not keep it. The check happens on the state’s services.
The cross-checks and the fines
Twice a year the state checks which vehicles are on the road without insurance, by matching the vehicles against the insurers’ policies. The round announced in March 2026 produced 125,051 fines for uninsured vehicles.
Under Law 5113/2024, any vehicle the cross-check finds uninsured is fined: €500 for a car and every other vehicle, €250 for a motorbike, €1,000 for a bus or lorry of public use. If you also owe road tax for a year or more, all of it is charged along with the fine.
The notice comes by SMS, email or registered letter. You see the fine and the record of each vehicle in the “Cross-checks” service, with your TaxisNet login. You object there too, within 10 working days of the notice, or 20 if it came by registered letter. oximata.gov.gr
The fine does not close the case. Within three months a new check follows, and if the vehicle is still uninsured, its plates are removed. They come back only when you show cover in force.
What you will pay
Choose the vehicle and type the road tax you owe, if you owe any.
If the vehicle is off the road
A vehicle off the road needs no insurance, as long as you declare it laid up. If you just stop paying for the insurance, the vehicle shows as uninsured in the cross-check and a fine follows, even if it never moved.
If you find it is uninsured
- Insure it today. For the law, basic cover is enough. See the comparison.
- Do not drive it until then. Insurance does not cover anything that happened before it began.
- If a fine came while the vehicle was insured or laid up, object with the policy or the certificate.
How we work it out
The fine is the sum of law 5113/2024 for the kind of vehicle. The road tax you owe goes into the total when you owe a year or more, because then it is charged together with the fine. Beside the fine, the market average for the basic cover of the same kind of vehicle, from public figures. How we calculate.
The plate is checked at the services of the state. We do not ask for your plate and do not keep it.
Sources
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Frequently asked questions
What people usually ask
01 How do I see whether a vehicle is insured?
In the “Vehicle information” service of gov.gr, with the plate alone, or in the check of the Auxiliary Fund, with the plate and the tax number of the owner. Both are free.
02 What is the fine for an uninsured vehicle?
€500 for a car and every other vehicle, €250 for a motorcycle and €1,000 for a bus or lorry of public use, under law 5113/2024.
03 How do I learn that I got a fine?
By SMS, email or registered letter. You see the fine in the “Cross-checks” application of oximata.gov.gr, with your TaxisNet codes.
04 What if I do not insure it after the fine?
A new check follows within three months. If the vehicle is still uninsured, its plates are taken.
05 Does a vehicle that is off the road need insurance?
No, if you declare it off the road. If you just stop paying the insurance, the vehicle shows as uninsured in the cross-check.