ΟΡΙΖΩΝ ΑΣΦΑΛΙΣΤΙΚΗ

You can contact one of the specialized insurance consultants of our company by calling at the customer support service at (+30) 210-3227932 to 6, by e-mail or you could also pay us a visit at our premises (26a Amalias Str. Athens). We will be glad to meet you in person and discuss about your needs.

Yes, vehicle liability insurance is required by law.

The premiums that you will be requested to pay are calculated based on a series of criteria:

• Driver’s age (extra charge for those under 23 years of age);
• Bonus-Malus;
• Vehicle technical information (cc, horse power, etc.)
• Vehicle value;
• Vehicle use (commercial vehicles, trucks, private vehicles, etc.);
• Location of residence;
• Way of payment.

The cost for car insurance should definitely not be the only criterion when choosing your insurance. The reliability and solvency of the insurer to whom you entrust your car insurance are certainly very serious criteria for the final choice if you do not wish to have unpleasant surprises. Furthermore, you should consider in detail the covers offered by each insurance company in relation to its quotation in order to have a clear view of the value for money ratio of the services provided. We, in Horizon Insurance Company S.A., invite you to consult one of our experienced insurance agents to help you evaluate what the most important criteria for your choice are.

Group discounts for fleets according to the number of insured vehicles:

Special Personal Coverage Discounts

• The vehicles covered against Fire and/or Theft, the insured value of which exceeds 6.000€, are granted a special 20% discount for the coverage of the above two risks.
• A 35% discount of the theft coverage is granted to vehicles parked in a garage and having an alarm.

The above two special discounts cannot be combined. The vehicles having own damage coverage and only one registered driver are granted a special discount of 15% for this particular coverage.

• Driving License;
• Vehicle Registration Certificate;
• Bonus-Malus Certificate or your past insurance contract;
• Purchase Invoice from which arises the purchase value of the vehicle;

For your better facilitation, in case an insured vehicle is involved in a road accident you should immediately call our 24/7 accident service at the following numbers: from a fixed phone call 801-11-66000 (price: 1 local unit for all national calls) and from a cell phone from the site of the accident call (+30) 210 650 4000. We will send one of our partners to the site of the accident to help you fill in the accident report and the form of amicable settlement and collect them both. In case the insured vehicle has been immobilized due to the accident we can undertake its transport to any mechanic’s garage you wish.

• A copy of the police report;
• Accident report or amicable statement;
• Survey of damage;
• Repair invoices and other documents;
• Copy of vehicle registration certificate for the identification of the vehicle’s owner;
• Authorization in case that the compensation shall be paid to any person other than the owner.

The amicable settlement is the easiest and most direct way to compensation in case of an accident. In order for you to get compensated by means of the amicable settlement, the following prerequisites must be fulfilled:

• No more than two vehicles should be involved in the accident;
• The involved drivers should fill in, sign and send to their insurance companies the form of “amicable statement for car accident”.
• The involved vehicles must be insured with companies registered in the system of amicable settlement.
• The damage should not exceed 6,000€ for material losses and 3,000€ for personal injuries per person, nor should it exceed 9,000€ for personal injuries of all persons involved.

Car insurance contracts are renewed automatically, except if any of the criteria determining the premium changes. In this case please contact us so that we can make the necessary arrangements.

Our company’s innovative insurance coverage packages for houses are a perfect solution for the protection of your most valuable properties. We take pride in providing you a large variety of coverage packages that allow you to choose the one that really meets your needs at the most competitive price in the market.

The term underinsurance is used to describe cases when the amount of the coverage of the item to be insured is less than the item’s actual value.

In fact, in case of damage the insurer’s liability is limited to the per cent of the damage corresponding to the stated value of the property (proportional rule). If, for example, the cost for the construction of a building amounts to 1,000,000€ and the insured party insures it for 800,000€ than the property has been insured for 80% of its value. Consequently, in case this property suffers a 100,000€ damage then the compensation will be equal to 80% of this damage and not to whole amount of the damage.

Therefore, it is extremely important to insure your properties according to their real value and to readjust this value appropriately each year.

The essential parameters influencing the cost of the premium for a property are mainly related to its basic characteristics, such as the construction type, its location, its use, the protection measures against theft and fire as well as the contents for which you require an insurance.

A permanent residence is the one registered with the competent authorities as such and is not used only for limited time periods, whereas a summer residence is actually used for limited time as “escape” lodging and can only be insured under particular specifications and upon arrangement with the company.

Should any of the covered risks materialize, you should immediately call the damage department of the company so that we can initiate the necessary procedures to serve you as soon as possible.

The necessary prerequisites if you wish to insure your property against earthquake are that the building i) was constructed after 1960, ii) is earthquake proof and iii) it has not been damaged by earthquake in the past or –in case it has suffered such damages- it has been repaired according to the applying regulations of the urban planning authority

When there are no outstanding amounts, the contract is renewed automatically unless else advised.

Orizon’s “Protection Umbrella” gives you the chance to protect yourself and your family, since it covers a great range of hazards.

The Orizon product “My Pension” gives you the chance to protect your pension and save the required capital that ensures that your living standard will be same even when you are not working any longer.

1. boat owner liability for deaths or physical damages of passengers or third parties; This includes the money that a boat owner shall be called to pay as a compensation if a damage is caused accidentally on the insured boat due to collision, crash, shipwreck or due to any other reason.
2. liability of the insured party for material damages to passengers or third parties due to collision, crash, shipwreck, stranding or any other marine accident.
3. Causing sea pollution.

We accept the following ways of payment:

• You can pay at our offices either in cash or by bank check to order‘Horizon Insurance Company S.A.’.
• ou can also pay cash on delivery to the courier that shall deliver your insurance contract or to the “Tachypliromi” (fast payment) service of the Greek Post.
• You can also deposit the amount of the premium at one of the following bank accounts,mentioning the number of your contract and the name of the insured party, the latest one month after the receipt of the contract.