Copyright © 2004-2018  All rights reserved.  Carol Palioudaki      Living in Crete
Living in Crete
Living - Driving in Crete
Driving in Crete Tips     Greek Highway Code      Road Tax Sima      MOT / KTEO / IKTEO     Drivers Licence for Non Greeks    Car Insurance


Driving in Crete & Greece

Car & Driver Documents For Driving in Greece
You should always carry your drivers licence, car insurance certificate and registration documents with you
in the car. If you are stopped by the police while driving and you do not have these with you, you can be

Driving Licence
If you are a holder of a valid driving license from one European Union country and are resident in another,
you are no longer required to exchange it if your normal residence is in a Member State other than that
which issued your licence. But you may ask to exchange it if you wish.

If you are renewing a driving licence you must do it in the country where you normally reside.

For Converting or Renewing a valid driving licence issued by a EU Member State into the
corresponding Greek licence
 see here

Converting a valid driving licence from USA Canada Australia Japan South Africa and South
Korea into the corresponding Greek licence
 see here

Vehicle Tax /Road Tax / Tax Disc  Σήμα (Sima) / Τέλη Κυκλοφορίας
Car tax in Greece is payable yearly, with a December 31 deadline for the following year.
Since 2014 authorities no longer issue tax disc stickers, instead all data will be logged electronically; vehicle
owners will pay by downloading an online application at
TAXISnet and taking this to a post office, bank or tax
office to pay, or they can pay online via web banking.
A graphic guide on how to pay can be found on
this link supplied by Stavros Tsichlis of
There are fines for late payment.

Vehicle Tax rates 2018  (same as 2017)

51 cc to 300 cc 22 euros
301 cc to 758 cc 55 euros
786 cc to 1,071 cc 120 euros
1,072 cc to 1,357 cc 135 euros
1,358 cc to 1,548 cc 225 euros
1,549 cc to 1,738 cc 250 euros
1,739 cc to 1,928 cc 280 euros
1,929 cc to 2,357 cc 615 euros
2,358 cc to 3,000 cc 820 euros
3,001 cc to 4,000 cc 1,025 euros
4,001 cc and above 1,230 euros

There is also an Emissions (gr. CO2 / km.) fees in € / g. CO2 for emissions over 100gr/KM
To see how much you will pay should find CO2 emissions and multiply the grams emitted by your car. The
cost per gram is between 1€ to 2.80€ .

The technical control of the different vehicle categories in Greece is now performed by both public and
private VTCCs (Vehicle Technical Control Centers) or KTEO  and IKTEO centres.

Cars more than 4 years old require a KTEO (Vehicle Technical Control) certificate, similar to an M.O.T,
which must be renewed every 2 years. The test can be carried out at KTEO test centres run by the Ministry
of Transport – there is one in each prefecture – or at any private test centre, IKTEO (Idiotiko KTEO), of
which there are many.

The cost of the KTEO control is approximately 40 to 50 Euros, plus the cost of any work that your vehicle
requires. Any work which needs to be carried out can be done at a garage of your choice, but must be
completed and the vehicle returned for the test, within 20 days.

Further information on KTEO at the
Greek Ministry of Transport Website in English

List of  Government KTEO (VTC) Centres in Greece  

Car Insurance
What to look out for when you buy car insurance in Greece
by Stavros Tsichlis, Insurance Advisor

According to Bank of Greece’s website ( there are more than 100 insurance
companies operating in Greece at the moment. This means that a company might be legally registered in
Greece but might not have the know-how or financial capabilities to support its customers.

This became apparent after the suspension of Evima insurance and Diethnis Enosi insurance this year
leaving thousands of customers without insurance cover. Bank of Greece has intensified checks on
insurance companies and there may be more to be suspended soon.

So when you look out for insurance in Greece do not only base your decision on premiums, as a cheap
premium might mean that the company is trying to attract customers in order to compensate for its poor
financial performance. Instead, look for reputable companies that will give you value for money, big
organisations or International firms who also operate in Greece.

Below are some points to take into consideration:

1) What is the company’s financial record? What is the agreed timeframe for a claim to be handled? What is
the solvency margin of the firm you are about to sign up to? You insurance advisor should be able to
answer the above questions.

2) Road Assistance service: Do you have cover only after an accident or for any reason that the car is
immobilised? (e.g. out of petrol, flat tire, mechanical failure etc). Ask your insurance advisor.

3) Green Card: Is it issued for free or there is an extra premium in order to get it?

4) Is the commercial value of your vehicle reflected in your plan? Your contract should be revised each term
in order to reflect the correct commercial value of your vehicle! Otherwise you might end up paying a higher
premium for a value that will not be reflected in a compensation.

5) Is your advisor / company accessible at all times? Is there a 24-hour help line when your advisor is not
able to pick up the phone?

6) Do you have cover against un-insured drivers in your plan? (Even in the most basic plan). Unfortunately
due to economic conditions Greeks cut back on their expenses and there are more than one million vehicles
in Greece without cover at the moment! And remember this: A drunk driver is considered a driver with no
insurance cover by the Greek insurance firms.

Stavros Tsichlis, Insurance Advisor, Crete.

The Greek Highway Code and Fines
Police road blocks are fairly common, especially on certain stretches of the National Road, and the ‘traffic’
police can stop any car they choose, without reason.

It is compulsory to wear seat belts and, if riding a motorcycle, a helmet.
The fact that many locals take little notice of this law does not mean that they don’t get fined (while puttng
their lives at risk) for not following the rules if they get stopped by the police. Be warned!  Fines are steep -
700 euros. That's more than a whole month's wages in Crete based on a low-average income.

There are speed traps and regular breathalyzing (known locally as the ‘alko test’) on the main roads, with
heavy fines and penalty points on your licence for driving offences. If you are caught driving while heavily
under the influence of alcohol you can be arrested on the spot, and subsequently lose your licence.

Traffic in Crete village
Driving in Crete