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Our customer service model
Your Insurance Intermediary will be there for you 24/7 consistently guiding you through difficult decisions.

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Terms of Use

Terms of Use of the Website

Please read carefully the present terms and conditions that govern the use of the website https://www.europaikipisti.gr/en/.

The use of the website https://www.europaikipisti.gr/en/ implies the unreserved consent to these terms and conditions. Every time you enter and use the website, you fully and without any reservations accept the present terms and conditions for its use. In case you do not agree with the terms and conditions of the use, you must not use our website.

GENERAL TERMS

The website https://www.europaikipisti.gr/en/Home has been developed and belongs to European Reliance General Insurance Co. S. A. The scope of the website is to provide information on specific products of the Group, giving simultaneously to the users the opportunity to receive personal information on specially adjusted products and have access to on-line insurance coverage.

Necessary for the access to the website is to have the latest version of one of the following browsers: Microsoft Internet Explorer, Mozilla Firefox, Google Chrome, Opera and Safari.

The present terms and conditions govern the use of the website, all applications and services and under no circumstances do they substitute the contract and its terms  that the users of the website undersign with European Reliance (“the Company”) for the provision of products/ services and in accordance with their transactions with the Company. The terms of use of the website and the services that are provided via the website, which is an optional distribution channel, can be modified or revoked freely and at any time by the Company. For this reason, visitors ought to control the content of the website, in order to stay updated on the applicable terms of use, according to the last modified date that appears in the bottom of the website.
The website and its use address adults and lawful representatives of legal entities with legal capacity.

SPECIAL TERMS

1. OWNERSHIP RIGHTS                                                                                                                                                                                                                                                                                    
The intellectual and/or industrial property rights related to the website and its content (i.e. the software, source code, data base, design, texts, graphics, illustrations, trademarks, distinctive features, logos, names of products or services, names of companies etc.) are of exclusive ownership of the Company and are protected according to the provisions of the Greek, Community and International Law.

All trademarks that are used on the website are registered and belong to their rightful owners.

The duplication, reproduction, re-issuance, transfer, transmission or distribution of the content (total, part or a summary of it) of the website, in any way, without prior written consent of European Reliance General Insurance Co. S.A. are strictly prohibited.

Limited Copyright Permission for Personal Use:
The Company allows the users to download, copy and print parts of the website (unless they refer to data that belong to third parties and have been proved as such) for personal, non-commercial use. This limited permission does not imply the resignation of the Company from any intellectual or industrial property rights, that the Company keeps intact. Apart from this limited permission, nothing in this website must be interpreted as granting of the right or license regarding any intellectual right, patent or trademark of the Company or any other third party. The logos of the Company and the trademarks, specifically identifiable or not, cannot be used or reproduced for personal use, without the prior written consent of the Company.

Replication for commercial purposes, modification or reproduction of a part or the total of the contents of the website in any form, that may be based in the website and/or its content, or the integration in another website or any other form of electronic retrieval are strictly prohibited. No link in this website can be included in any other website without the prior written approval of the Company.

2. OBLIGATIONS OF THE USERS                                                                                                                                                                                                                                                                         
The access and use of the website areis granted by the Company free of charge. However, the users are obliged to pay any other cost and charges of third parties (i.e. phone call charges, roaming charges, charges for the internet services provider, etc.)  that are performed as a result of the downloading and use of the website.

Users accept, agree and guarantee that they will use the website for legal purposes and that they will restrain from any action that could cause damage or dysfunction to the website. Users undertake responsibility for any damage that may be caused to the Company or its website by misuse, unethical or fraudulent use, as well as for any other damage caused by a third party, who may invoke claims against the Company. 

Users, may, including but not limited, guarantee that they will not:

• use the website of the Company to display or transmit content offensive to the personality, honor, reputation, personal data of third parties, and/or inappropriate, pornographic, racist, threatening and slanderous content, and/or content that creates a subjective and objective substantiation of a criminal offense.

• offend in any way the Democracy, the right to religious freedom and other constitutionally safeguarded political, social and civil rights.

• attempt to circumvent in any way the identity check of the user or the safety of the central computer and the network of the Company (“cracking” or “hacking”), neither should they cause damage to the IT system of the Company or computers of other users of the website or may proceed to unauthorized efforts to access the systems of the Company or the networks of third parties.

• cause damage to any other third-party (natural or legal person).

• upload viruses, trojan horses, worms, etc.

• provide false, misleading or fraudulent information and personal data.

In case of violation of their obligations, the Company is entitled to immediately erase the relevant content, indefinitely abolish the user account and prohibit the use of the website and its services, as well as receive any other measure that it considers appropriate for the safeguard of its interests.
Users that violate the present term, are obliged to compensate the Company and any other third party that has been affected from the use of the website. The compensation shall cover any positive or consequential loss.
 
3. LIABILITY OF EUROPEAN RELIANCE GENERAL INSURANCE CO. S.A.

The Company bears no liability for any other action of person or organization, wherever their headquarters are, as a direct or indirect result of the information that is included or is available in this website, regardless of whether the information is provided by the Company or any other third party.   

The contents and the location of the website are provided “as such”. The Company, although it does its utmost, so that all information, that is included in the website, but also the links that lead to other websites, stay clear, accurate and safe, cannot guarantee, that the content of the website will be always updated, secure, without errors, will respond to the requirements of the users and that the results of its use will be reliable, accurate and without errors.

The content of this website does not provide advice or makes any proposals, nor should be taken as a basis for any decision or action or invitation for investment or participation in the shares or other securities of the Company.
The actual results and developments may differ from the material aspect from any provision, opinion or ambition expressed in this website and past returns of the securities must not be considered as a guide for future returns.

The website is updated regularly. For this reason, users are obliged to stay adequately informed and update the website and the browser, so that they will receive the most recent content and information.

Users acknowledge and accept that the Company may not, and is neither obliged, to control the safety and content of the website. Under no circumstances is European Reliance General Insurance Co. S.A. bound, nor does it guarantee, or undertake any type of responsibility on the safety, content of the website and hyperlinks that are included in it, and does not bear any liability for the terms of use and security policy of these links. As a result, the use and access to the website and the related links are performed with the sole liability of the users. Moreover, the Company does not bear any liability for the destruction in the computer or other property of the users, from and not only, transmission of “viruses” as a result of their connection, use or visit to the website.

The Company does its utmost, to ensure the availability of the website. European Reliance General Insurance Co. S.A. retains the right, when necessary, to temporarily interrupt the function of a part or the entire website, in order to proceed to its maintenance, upgrade or for any other purpose. Under no circumstances does European Reliance General Insurance Co. S.A. bear any liability for any type of damage that may be caused to the users due to the above. Furthermore, European Reliance General Insurance Co. S.A. bears no liability for any delay, bad quality of services or any type of errors.

4. LIABILITY FOR THE CONTENT OF THE «HYPERLINKS» 

Regarding the hyperlinks to other websites that are included in the website of the Company, our Company will not be held liable for the content, services, quality, personal data protection policy or availability. The use of these hyperlinks is governed by the existing terms of use of each website and is performed with sole responsibility of the user. For any problem or loss that may be caused to the users of the website after their visit to these hyperlinks, the visitors ought to immediately contact the respective websites. 

Our Company cannot guarantee that the users of the website have any right to use the content owned by third parties and that it is available to this website. THe users must take permission from the third party before using or saving this content. The content is protected by intellectual property rights and cannot change, along with any other warnings of the author or warning on intellectual property rights that appear in that, without the necessary prior consents.

5. MONITORING OF COMMUNICATIONS

 Users accept and acknowledge that their communications with the Company via email, telephone, messages etc. may be recorded according to the provisions of the Law and especially the qualitative audit and safety of the website or the training of the Company’s personnel.

6. SOFWARE DOWNLOAD                                                                                                                                                                                                                                          

The use of the software that is downloaded from this website is subject exclusively to the judgement and evaluation of the most possible risks from the user, who must ensure that the software that is downloaded from this website to the personal computer of the user is compatible to the computer and does not contain viruses.

7. CUSTOMER SERVICE                                                                                                             

For any information related to the registration, visit or use of the website, the user/visitor may address the Customer Service Department of the Company at the telephone +30 210 8119670, or the fax +30 210 8119789 or the email helpcustomer@europisti.gr.
 
8. ELECTRONIC RESOLUTION OF DISPUTES
 
Within the framework of the Directive 2013/11/EU, which was incorporated in the Greek legislation with the Join Ministerial Decision 70330/2015, consumers are able to proceed to electronic resolution of their disputes with the suppliers on-line via the electronic platform “On-line Dispute Resolution”, which is connected directly to the competent bodies for Alternative Dispute Resolution: a)  the independent Authority “Hellenic Consumer’s Ombudsman” (http://www.synigoroskatanaloti.gr) and b) the “Hellenic Financial Ombudsman – Nonprofit Alternative Dispute Resolution Organization (HFO – ADRO)” (http://www.hobis.gr).
The consumer, before applying to the competent body for Alternative Dispute Resolution may choose to previously contact the supplier and try to resolve the dispute directly with the supplier. In the case of a non-compromising resolution of the dispute via the On-line Dispute Resolution, the bodies competent for the resolution are the Courts of Athens. For additional briefing on the electronic platform of extra-judicial settlement of the EU Body “Alternative Dispute Resolution”, please visit the following website: http://ec.europa.eu/consumers.
 
9. APPLICABLE LAW

The terms and conditions from the use of the website are governed by the Greek legislation. For any dispute arising by the present terms of use and by the use of the website, the competent authorities are the Courts of Athens.

10. OTHER TERMS

10.1 All present terms and conditions for the use of the website are essential. The present terms and conditions are independent, and as a result, the invalidity of some of these does not imply the expiration of others.
10.2. Inability or omission on behalf of the Company to exercise any of its right or claim does not imply resignation from these rights.
10.3. The Company is not liable for the violation of any term that is due to force majeure.
10.4. For any violation of the present terms, as well as for any other illegal and arbitrary use of the website, the Company retains the right to request from the user compensation, to deny the distribution of the access code, to cancel the current access code, abolish the account of the user and deny the provision of services to the user.
10.5. The Company might at any moment temporarily or indefinitely terminate the website and its services, without any prior notice.
10.6. The Company declines any explicit, incurring, legal or other guarantee, to the extent that it is permitted by the Law.

CUSTOMER SERVICE
CLAIM ADJUSTERS
ROAD ASSISTANCE