Drivers in Greece, including Crete, face a 350 euro fine if they cannot produce their vehicle insurance certificate during a police check. Greek traffic law requires all drivers to carry proof of valid third-party liability insurance at all times, not just the physical policy card but the official certificate confirming active coverage. Rental car drivers are typically covered by the rental agency, but you should confirm that the insurance documents are in the glove box before leaving the lot. If you are driving a privately borrowed or leased vehicle, ask the owner to provide a copy of the current certificate. Police roadside checks are routine, particularly during summer months when traffic volumes increase. Carrying a photo of the document on your phone is not accepted as a substitute for the physical paper.
