Our vehicle is an integral part of our daily life and the third party liability insurance is mandatory by Law. We have five (5) insurance plans for private (saloon) and commercial vehicles, from which you can choose the one that best suits your needs.

Motor vehicle insurance is necessary and mandatory. This particular insurance policy is the most complete insurance package for your passenger car.

This insurance package covers the liability of the insured drivers of the motor vehicle from their negligent acts or omissions, for the payment of compensation in the event of an accident caused by the use of the vehicle, as well as the loss or damage to the motor vehicle, as well as its accessories and spare parts, as long as they are attached to and form part of the vehicle. In addition, it covers loss or damage directly caused by fire, spontaneous combustion, lightning, explosion, theft or attempted theft and in addition, it includes more than 15 basic cover options.

Basic Coverage
The Basic Coverage of the Insurance Policy includes:

• Loss or damage to the motor vehicle, its accessories and spare parts, as long as they are attached to and form part of the vehicle which is directly caused by fire, spontaneous combustion, lightning, explosion, theft or attempted theft, (in the areas essentially controlled by the Republic of Cyprus).
• Legal liability for damages to third parties in Cyprus. (In the areas controlled by the Republic of Cyprus).
• Legal liability of the insured to third parties related to driving another private vehicle (excluding motorcycles, bus, lorry or special type vehicle) not belonging to him / her, his / her employer or partner and not rented to them.
• Legal liability of passengers to indemnify third-party parties.
• Use of the motor vehicle that extends beyond the scope of the legal definition of the term ‘road’.
• Coverage of vehicle’s windscreen and glass damage.
• Towed vehicles.
• Personal accident coverage for the Insured and his/her spouse related to the use of the motor vehicle.
• Loss of use or temporary replacement of the motor vehicle following loss or damage to the motor vehicle.
• Loss or damage to personal belongings caused by fire or theft.
• Loss or damage to a motor vehicle caused by flood, storm, hail or earthquake.
• Loss or damage to motor vehicle caused by riots and strike.
• Replacement of the motor vehicle with a new one, if the damage exceeds 50% of its official value in the event of an accident within the first 12 months of its purchase.
• “24 Hours Sinodigos” Service. (24-hour road and accident assistance).

Additional Coverage
Additional coverage includes:

• Medical coverage of the insured and the authorized drivers of the insured vehicle, after a traffic accident.
• Liability for payment of damages when towing a trailer.
• Loss or damage to the trailer.
• No claims discount protection.

Exceptions:
The Policy is subject to exclusions, some of which are:

• War risks.
• Damage to Property during loading or unloading or transportation with the motor vehicle.
• Any passenger unlawfully carried in or on the motor vehicle.
• Driving under the influence of drugs and/or alcohol and/or medication.
• Using the insured motor vehicle as a tool.
• Consequential damage.
• Overloading of the motor vehicle.