Casco (own-damage car insurance) — Cyprus

[1] Own damage: 100% of insured sum ↩

Covers own damage to the insured motor vehicle from an accident at the policyholder's own fault. The overall limit of this cover is the market value or the declared value of the vehicle, whichever is less.

Own damage from accident (at your own fault). The overall limit of this cover is the market value or the value of your Motor Vehicle as declared to us by you, whichever is less.

[2] Total loss: 100% of insured sum ↩

If the motor vehicle is stolen or damaged beyond economical repair, the maximum payable is the lesser of the market value or the value of the vehicle as declared by the policyholder.

If the Motor Vehicle is stolen or damaged beyond economical repair, the most we will pay is the lesser of either the market value or the value of your Motor Vehicle as declared to us by you.

[3] Partial loss: 100% of insured sum ↩

Partial damage to the insured vehicle from an accident is covered under the own damage benefit, subject to the overall market/declared value limit.

Own damage from accident (at your own fault). The overall limit of this cover is the market value or the value of your Motor Vehicle as declared to us by you, whichever is less.

[4] Theft & robbery: 100% of insured sum ↩

Loss or damage to the motor vehicle caused directly by theft, up to the market value or the declared value of the vehicle, whichever is less.

Loss or damage to your Motor Vehicle caused directly by fire or theft, up to the market value or the value of your Motor Vehicle as declared to us by you, whichever is less.

[5] Glass damage: €1,200 ↩

Accidental damage to the windscreen is covered up to €1,200 without applying any excess under the Comprehensive cover. Additional glass/window breakage is available under the optional Wide Coverage extension. Note: the AIG product overview page groups this benefit under the optional 'Wide Coverage' extension, but the product-specific IPID for Road Star lists it as included within the base Comprehensive cover.

Accidental damage to your windscreen up to €1200 (without applying any excess).

[6] Natural perils: Covered ↩

Covers damage to the motor vehicle from natural perils (earthquake, flood, hail, storm, tempest) and other natural perils not specifically excluded, subject to the overall market/declared value limit. Note: the AIG product overview page groups this benefit under the optional 'Wide Coverage' extension, but the product-specific IPID for Road Star lists it as included within the base Comprehensive cover.

Damage to your Motor Vehicle from natural perils (earthquake, flood, hail, storm, tempest) and other natural perils which are not specifically excluded.

[7] Vandalism: Covered ↩

Covers damage to the motor vehicle from social perils, including riot, civil commotion, malicious act and vandalism, subject to the overall market/declared value limit. Note: the AIG product overview page groups this benefit under the optional 'Wide Coverage' extension, but the product-specific IPID for Road Star lists it as included within the base Comprehensive cover.

Damage to your Motor Vehicle from social perils. (Riot, civil commotion, malicious act, vandalism).

[8] Roadside assistance: Covered ↩

24-hour road assistance and 24-hour accident assistance are included. Road and accident assistance is provided by a contracted company on a public road in an area controlled by the Government of the Republic of Cyprus or the Sovereign Base Area.

24 hours road assistance. 24 hours accident assistance

[9] Replacement vehicle: €250 ↩

Extension for loss of use of the motor vehicle pays €25 per day, up to a maximum of 10 days (up to €250 total), in the event of an approved claim (no replacement car provided). Note: the AIG product overview page groups this benefit under the optional 'Wide Coverage' extension, but the product-specific IPID for Road Star lists it as included within the base Comprehensive cover.

Extension for loss of use of the Motor Vehicle €25 per day up to 10 days in the event of an approved claim.

[10] Driver accident: €8,500 ↩

Personal accident cover for an authorised driver of up to €8,500 for certain bodily injuries set out in the policy; medical expenses of the authorised driver and passengers are covered up to €850.

Personal accident to an authorized driver €8,500 for certain bodily injuries set out in the policy. Medical expenses of authorized driver and passengers up to €850.

[11] Own damage: Covered ↩

The All For 1 product line (Basic/Plus/Complete/Prestige tiers) is a private motor vehicle insurance product whose Information Document lists exclusions typical of own-damage cover (driver licence/age restrictions, wear-and-tear, tyre damage), indicating own-damage cover is part of the product; the specific sum insured and excess are stated in the individual policy schedule, which was not accessible in the sources reviewed.

8 Ζημιά στα ελαστικά εκτός αν ταυτόχρονα προκληθεί ζημιά και σε άλλα μέρη του Μηχανοκίνητου Οχήματος συνέπεια ατυχήματος

[12] Total loss: Covered ↩

Total loss cover forms part of the own-damage cover of the All For 1 line, but the specific settlement basis and sum insured were not disclosed in the available sources.

[13] Partial loss: Covered ↩

Partial loss/repair cover forms part of the own-damage cover of the All For 1 line; the excess (deductible) applicable is stated in the summary coverage table of the individual policy schedule per the product's Information Document, but the amount itself was not disclosed in the sources reviewed.

[14] Theft & robbery: See details ↩

Not specifically confirmed for the All For 1 motor line in the sources reviewed. Allianz Cyprus's general claims-handling guidance instructs policyholders to notify the police immediately for damage arising from malicious acts, theft or robbery, but this guidance applies across the branch's product lines (including home insurance) and does not confirm this peril for the All For 1 motor product specifically.

[15] Glass damage: €250 ↩

Glass breakage covered up to €250, automatically included.

Θραύση Κρυστάλλων, έως €250

[16] Natural perils: See details ↩

Not specified in the sources reviewed.

[17] Vandalism: See details ↩

Not specifically confirmed for the All For 1 motor line in the sources reviewed. Allianz Cyprus's general claims-handling guidance covers damage arising from malicious acts (which encompasses vandalism), but this guidance applies across the branch's product lines and does not confirm this peril for the All For 1 motor product specifically.

[18] Roadside assistance: See details ↩

Not specified in the sources reviewed.

[19] Replacement vehicle: See details ↩

Not specified in the sources reviewed.

[20] Driver accident: See details ↩

Not specified in the sources reviewed for the Cyprus-branch product; the equivalent Greek-market All For 1 line includes a personal accident benefit, but this was not confirmed for the Cyprus product documents reviewed.

[21] Own damage: Covered ↩

Comprehensive cover for accidental loss of or damage to the insured vehicle, including fire, theft, burglary and malicious damage, in addition to the minimum cover required by law.

[22] Total loss: Covered ↩

Cover for total loss of the insured vehicle arising from fire, theft, burglary or the weather and natural-peril risks listed under the comprehensive plan (hail, tempest, whirlwind, lightning, flood, explosion, earthquake).

[23] Partial loss: Covered ↩

Cover for partial accidental damage to the insured vehicle caused by perils included in the comprehensive plan, such as fire, theft, burglary, malicious damage, and weather or natural perils.

[24] Theft & robbery: Covered ↩

Coverage for burglary, malicious damages, fire, and theft.

Burglary, malicious damages, fire, stealing.

[25] Glass damage: €855 ↩

Coverage for windshield glass up to €855 and replacement of vehicle glass windows with new ones.

Windshield glass up to €855 and vehicles glass windows.

[26] Natural perils: Covered ↩

Coverage for hail, tempest, whirlwind, lightning, flood, explosion, earthquake.

Cover for hail, tempest, whirlwind, lightning, flood, explosion, earthquake.

[27] Vandalism: Covered ↩

Cover for malicious damage to the insured vehicle, included as part of the theft, burglary and malicious damage benefit.

Burglary, malicious damages, fire, stealing.

[28] Roadside assistance: Covered ↩

Policyholders have access to free 24-hour roadside and accident-care helplines in Cyprus (80005656, 80010050) providing immediate assistance at the accident scene.

For Cyprus 80005656, ή 80010050. services are available 24 hours a day, 365 day a year free of charge

[29] Replacement vehicle: Not available ↩

Not confirmed in the available official sources for this product.

[30] Driver accident: See details ↩

Not confirmed in the available official sources for this product.

[31] Own damage: 100% of insured sum ↩

Covers damage to the insured motor vehicle, regardless of fault, from collision, impact, diversion, overturning or fall as a result of an accident. Available only in the Premium plan. Compensation is based on the current commercial value of the vehicle at the time of the incident, capped at the insured value stated in the Policy Schedule.

Cover is provided for damage caused to the insured motor vehicle as a result of an accident, impact, collision, diversion, overturning or fall in case of an accident, regardless of whether the driver is at fault, unless the damage was caused while the insured motor vehicle was not under the lawful owner's possession following theft or robbery or the damage was caused due to poor maintenance or while the vehicle was being driven on roads where movement is prohibited by the Authorities. […] For the covers referred to in Article 2 «Insurance Programs», Paragraphs 2.8, 2.11 to 2.17, inclusive, compensation will be calculated on the basis of the current market value of the motor vehicle on the day of the incident subject to the maximum insured value set out in the Insurance Policy Schedule. […] Own damage • • •

[32] Total loss: 100% of insured sum ↩

Pays the current commercial value of the insured vehicle in the event of total destruction or total loss due to fire or explosion, natural perils (storm, flood, hail, snow, hurricane, volcanic eruption, earthquake), or total theft. Available in the Value plan; the Premium plan provides equivalent protection through its separate Fire, Natural Perils and Theft covers, which apply to both partial and total loss. If the insured value stated in the Policy Schedule exceeds €30,000, a pre-inspection condition applies.

The Company will compensate the Insured Person at the Current Market Value of the Motor Vehicle in case of Total Destruction or total loss as a result of: 1) fire or explosion, 2) any one the following natural perils: storm, hurricane, tornado, flood, hail, snow, hurricane, volcanic eruption or earthquake, 3) or complete theft. As a condition for the payment of compensation, the Motor Vehicle must be withdrawn. The covers of Fire (including Explosion), Natural Perils and Theft are also included in the Premium program, for partial and total loss.

[33] Partial loss: 100% of insured sum ↩

Partial damage to the insured vehicle from collision, impact, diversion, overturning or fall is covered under the same Own Damage clause as total collision loss, available only in the Premium plan, with compensation based on current commercial value capped at the insured value in the Policy Schedule.

Cover is provided for damage caused to the insured motor vehicle as a result of an accident, impact, collision, diversion, overturning or fall in case of an accident, regardless of whether the driver is at fault, unless the damage was caused while the insured motor vehicle was not under the lawful owner's possession following theft or robbery or the damage was caused due to poor maintenance or while the vehicle was being driven on roads where movement is prohibited by the Authorities. […] For the covers referred to in Article 2 «Insurance Programs», Paragraphs 2.8, 2.11 to 2.17, inclusive, compensation will be calculated on the basis of the current market value of the motor vehicle on the day of the incident subject to the maximum insured value set out in the Insurance Policy Schedule. […] Own damage • • •

[34] Theft & robbery: 100% of insured sum ↩

Total theft is covered 28 days after the theft is reported, paid at current market value up to the insured value in the Policy Schedule. Partial theft covers stolen parts permanently fixed to the vehicle; factory-fitted sound, video, navigation and telecommunication systems are paid at full value, aftermarket-fitted ones up to €500 in total; keys/locks replacement after theft or loss up to €150. Available in the Premium plan.

Compensation for stolen sound, video, navigation and telecommunication systems at their full value, provided they have been installed by the factory where the motor vehicle was manufactured. If these systems were installed in the vehicle at a later stage, the total amount of compensation will be up to €500.

[35] Glass damage: €1,000 ↩

Covers the cost of spare parts and replacement or repair work for the windscreen and windows of the insured vehicle due to any external cause, up to €1,000 for private vehicles. Included in the Value and Premium plans; available as a paid optional add-on in the Economic plan. If repaired through Anytime's designated network, payment is made directly and no deductible applies; otherwise a deductible applies.

Cover is provided for the cost of spare parts as well as for replacement or repair work for damage caused to the windscreen and to the windows of the insured motor vehicle due to any external cause. […] Cover is provided with a maximum limit of €600 for commercial vehicles and €1,000 for private vehicles. […] If the damage is repaired by a partner company, payment is made directly by Anytime, without the Insured Person being charged. Otherwise, an excess will apply.

[36] Natural perils: 100% of insured sum ↩

Covers damage to the insured vehicle from storm, gale, whirlwind, flood, hail, snow, hurricane, volcanic eruption or earthquake. Available in the Premium plan, compensated at current commercial value up to the insured value in the Policy Schedule.

Cover is provided for damage caused to the insured motor vehicle directly by storm, thunderstorm, tornado, flood, hail, snow, hurricane, volcanic eruption or earthquake, but not from frost. […] For the covers referred to in Article 2 «Insurance Programs», Paragraphs 2.8, 2.11 to 2.17, inclusive, compensation will be calculated on the basis of the current market value of the motor vehicle on the day of the incident subject to the maximum insured value set out in the Insurance Policy Schedule.

[37] Vandalism: 100% of insured sum ↩

Covers malicious damage caused deliberately to the insured vehicle by any means, excluding damage related to strikes, riots or political disturbances, which is covered separately. Available in the Premium plan, compensated at current commercial value up to the insured value in the Policy Schedule.

Cover is provided for malicious damage caused to the insured motor vehicle on purpose by a person with the intention to cause vandalism or sabotage, provided that such damage has not been caused by fire or explosion and was not caused during any strike, lockout, riot, civil commotion, acts of terrorism and disruption of public order. […] For the covers referred to in Article 2 «Insurance Programs», Paragraphs 2.8, 2.11 to 2.17, inclusive, compensation will be calculated on the basis of the current market value of the motor vehicle on the day of the incident subject to the maximum insured value set out in the Insurance Policy Schedule.

[38] Roadside assistance: Covered ↩

24-hour road assistance for breakdowns or accidents occurring in Cyprus and Greece, including on-site service by a mobile repair crew and transportation of the vehicle to a garage or the insured's chosen location (transport within the district of permanent residence). Included in all tiers (Economic, Value, Premium) of the Auto program.

Road Assistance includes the following covers, which are provided for accidents that take place in Cyprus and in Greece, on 24-hour basis: […] On-site service of the insured motor vehicle by a mobile repair crew, in any case of breakdown or accident […] Transportation of the motor vehicle to a repair shop or other location of choice. For accidents that took place in Cyprus, it is possible to transport the motor vehicle to a repair shop or to any other location within the district where the Insured Person permanently resides.

[39] Replacement vehicle: €20 ↩

If the insured vehicle must remain in a garage for repair following a covered event, the insured receives, for up to 15 days, either a replacement vehicle or a daily allowance: up to €20/day for passenger cars on the Auto Standard Drive program, and up to €15/day for Smart Drive and Truck programs. Available in the Value and Premium plans.

If, due to the damage that is covered by the Insurance Policy, the insured motor vehicle must remain in a garage for repairs, the following is provided to the Insured Person for a period of up to 15 days: • replacement vehicle or • daily compensation amount Up to €20 for the auto program. Up to €15 for the smart drive and truck programs.

[40] Driver accident: €10,000 ↩

Covers the driver of the insured vehicle for an accident occurring while driving that results in death or, during the insurance period, serious bodily injury. The benefit for death is a fixed €10,000; for injury, the Company pays a percentage of €10,000 depending on the type of injury, as set out in the Insurance Terms Handbook. Included across all tiers (Economic, Value, Premium) of the Auto program.

The driver of the motor vehicle will be covered for an accident that takes place while driving, which leads to death or the serious injuries referred to in the relevant insurance term. […] The amount of cover in the event of death is €10.000. […] In case of personal injury, the Company will compensate the driver by paying a percentage, which will vary depending on the personal injury, on the amount of €10.000. The percentages corresponding to each covered personal injury are set out in the Insurance Terms Handbook.

[41] Own damage: Covered ↩

Comprehensive covers loss of or damage to the insured vehicle in addition to the minimum third party cover required by law; maximum liability for total or partial loss does not exceed the vehicle's market value at the time of loss, nor the insured's last-advised estimate of value.

In addition to the minimum cover required by law, this policy provides cover for loss or damage to the insured vehicle.

[42] Total loss: Covered ↩

The maximum liability of the Company for total loss of the insured vehicle shall not exceed the market value at the time of loss, and in no event shall it exceed the insured's last-advised estimate of value.

The maximum liability of the Company in respect of total loss to the insured vehicle shall not exceed the market value at the time of such loss or damage but in no event shall the Company’s liability exceed the Insured’s estimate of its value as last advised to the Company.

[43] Partial loss: Covered ↩

Comprehensive covers loss of or damage to the insured vehicle; no separate monetary limit for partial loss is stated beyond the general market-value ceiling.

In addition to the minimum cover required by law, this policy provides cover for loss or damage to the insured vehicle.

[44] Theft & robbery: Covered ↩

Comprehensive cover includes loss of or damage to the insured vehicle, which encompasses theft; the Third Party Fire & Theft tier separately confirms theft or attempted theft is covered, subject to market-value limits.

Theft or attempted theft

[45] Glass damage: Unlimited ↩

Breakage of glass in the windscreen and windows is an optional benefit that can be bought individually or as part of the Comprehensive Executive package; under Comprehensive Executive it is covered for an unlimited amount, with no impact on the No Claim Bonus and no excess applicable.

Under this extention you will be covered fully for breakage of glass in the windscreen and/or windows. Additionally, in such case, the No Claim Bonus you are entitled will not be affected and the excess under the policy will not apply.

[46] Natural perils: Optional ↩

An optional extension, purchasable individually or within the Comprehensive Executive package, indemnifying loss of or damage to the insured vehicle caused by flood, typhoon, storm, tempest, hailstorm, cyclone, hurricane, volcanic eruption or earthquake.

Under this extension, indemnity is provided for loss of or damage to the insured vehicle caused by natural perils such as flood, typhoon, storm, tempest, hailstorm, cyclone, hurricane, volcanic eruption or earthquake.

[47] Vandalism: See details ↩

Vandalism as a distinct peril is not mentioned in the available sources; a related benefit covers strikes, lock-outs, riots and civil commotions.

The Company will compensate any loss or damage to the insured vehicle caused by strikes, lock-outs, riots or civil commotions.

[48] Roadside assistance: Covered ↩

Regardless of the benefits chosen, all types of motor insurance provide free 24-hour roadside assistance and accident care through the Atlantic Rescue Line.

Regardless of the benefits you choose, all types of motor insurance provide free roadside assistance and free accident care on a 24-hour basis.

[49] Replacement vehicle: Optional ↩

An optional Comprehensive Executive benefit: in the event of a claim for damage to the insured vehicle, the Company provides the insured a replacement car at the Company's choice for a maximum period of four weeks.

In the event of a claim for damage to the insured vehicle, the Company will provide the Insured a car at the Company's choice for a maximum period of four weeks.

[50] Driver accident: €20,000 – €60,000 ↩

An optional Comprehensive Executive benefit providing cover for named drivers in the event of death, loss of limb(s) or loss of eyesight; the base amount of €20,000 per person can be increased to €40,000 or €60,000 upon request.

This benefit provides personal accident cover to named drivers for €20.000 in the event of an accident resulting in death, loss of limb(s) or loss of eyesight. The amount of cover can be increased to €40.000 or €60.000 upon request.

[51] Own damage: Covered ↩

Basic cover includes loss of or damage to the motor vehicle caused by any peril occurring in Cyprus that is not specifically excluded under the policy.

[52] Total loss: Covered ↩

Total loss of the vehicle from any non-excluded peril is covered under the basic 'loss of or damage to the motor vehicle' cover.

[53] Partial loss: Covered ↩

Partial damage to the vehicle from any non-excluded peril is covered under the basic 'loss of or damage to the motor vehicle' cover.

[54] Theft & robbery: Covered ↩

Theft of the vehicle is covered under the basic 'any peril not specifically excluded' own-damage cover; loss of or damage to personal belongings caused by fire or theft is separately offered as an optional cover.

[55] Glass damage: Optional ↩

Offered as an optional cover (depending on vehicle type): breakage of glass in the windscreen or windows, which does not entail a premium increase after a claim or the application of any excess.

[56] Natural perils: Optional ↩

Offered as an optional additional cover for loss of or damage to the vehicle caused by flood, storm, hurricane, hail or earthquake, within government-controlled areas of Cyprus.

[57] Vandalism: Optional ↩

Offered as an optional cover for loss of or damage to the motor vehicle caused by riots and strikes.

[58] Roadside assistance: Covered ↩

Road Assistance and Accident Care Services, branded "24 Hours Sinodigos", are provided by independent providers 24 hours a day, 365 days a year as part of the standard programme.

[59] Replacement vehicle: Optional ↩

Offered as an optional cover for loss of use or temporary replacement of the motor vehicle following loss of or damage to the insured vehicle.

[60] Driver accident: Optional ↩

Offered as an optional cover: personal accident coverage for the insured and authorised drivers in connection with use of the vehicle, plus medical coverage following a motor accident.

[61] Own damage: Covered ↩

myDRIVEplus can extend the compulsory third-party liability cover to full comprehensive cover against loss or damage to the insured vehicle itself.

myDRIVE plus can be offered in order to satisfy the compulsory by law requirements for third party liability cover for damages that may be caused to third parties and can also be extended to offer full comprehensive cover against loss or damage to the insured vehicle itself.

[62] Total loss: See details ↩

No specific total loss provisions or limits are stated separately in the available sources.

[63] Partial loss: See details ↩

No specific partial loss provisions or limits are stated separately in the available sources.

[64] Theft & robbery: See details ↩

No explicit mention of theft or robbery cover is made for myDRIVEplus in the available sources.

[65] Glass damage: Optional ↩

myDRIVEplus offers windscreen, windows and glass cover as one of its additional coverages; described as an optional benefit by an independent comparison source.

Windscreen / Windows / glasses cover

[66] Natural perils: See details ↩

No mention of natural perils/hazards cover is made for myDRIVEplus in the available sources.

[67] Vandalism: See details ↩

No mention of vandalism cover is made for myDRIVEplus in the available sources.

[68] Roadside assistance: Optional ↩

myDRIVEplus lists Roadside Assistance (24 hours, 7 days a week) among its additional coverages.

Roadside Assistance (24 hours, 7 days a week)

[69] Replacement vehicle: See details ↩

No mention of a replacement or courtesy vehicle benefit is made for myDRIVEplus in the available sources.

[70] Driver accident: €13,000 ↩

myDRIVEplus offers an optional Personal Accident benefit for the Authorized Driver (available under comprehensive cover); the total amount payable under this benefit does not exceed €13,000 and it does not cover persons under 18 or over 70 years old.

Το ολικό ποσό για την επιπρόσθετη κάλυψη προσωπικών ατυχημάτων δεν θα υπερβαίνει τις 13.000€ και δεν καλύπτει άτομά κάτω των 18 ή άνω των 70 ετών.

[71] Own damage: Covered ↩

The Company indemnifies the Policyholder, up to but not exceeding the Policyholder's estimate/declared value stated in the Schedule, against loss or damage to the Motor Vehicle (other than by fire or theft) under Section Three. This own-damage benefit is included in the Value and Premium policies only; the Economic policy covers fire, explosion, lightning and theft only, and the Basic Plus (third-party only) policy does not cover own damage at all.

The Company will indemnify the Policyholder up to but not exceeding the Policyholder's estimate of value against loss or damage (other than by fire or theft as defined in Section TWO) to the Motor Vehicle and its accessories and spare parts whilst thereon.

[72] Total loss: Covered ↩

If the loss or damage assessed by the Company's engineer is 60% or more of the Policyholder's declared value, the Company may declare the vehicle a total loss and pay the reasonable market value at the time of damage, not exceeding the declared value, in exchange for transfer of ownership and delivery of the salvage.

provided the loss or damage as assessed by the Engineer to be appointed by the Company is 60% or more of the Policyholder's estimate of value stated in the Schedule, declare the damaged Motor Vehicle as a total loss and pay in cash to the Policyholder the reasonable market value of the Motor Vehicle at the time of such damage, but not exceeding the Policyholder's estimate of value in which event the Policyholder shall transfer the ownership, deliver the salvage and the Certificate of Insurance to the Company.

[73] Partial loss: Covered ↩

For repairable damage under Section Three, the Company may at its option pay cash for the assessed loss, repair the vehicle through a repairer of its choice, or replace damaged parts/accessories, with liability limited to the reasonable market value of the vehicle and not exceeding the value stated in the Schedule.

At its own option the Company may: a) pay in cash the amount of the loss or damage as assessed by an Engineer to be appointed by the Company b) repair the Motor Vehicle by a Repairer of the choice of the Company c) replace the Motor Vehicle or any part thereof or its accessories or spare parts.

[74] Theft & robbery: Covered ↩

Section Two indemnifies the Policyholder, up to the declared value, against fire, external explosion, self-ignition, lightning, burglary, theft or attempted theft of the Motor Vehicle and its accessories/spare parts. This benefit is standard across the Economic, Value and Premium policies.

The Company will indemnify the Policyholder up to but not exceeding the Policyholder's estimate of value against fire, external explosion, self-ignition, lightning or burglary, theft or attempted theft to the Motor Vehicle and its accessories and spare parts whilst thereon.

[75] Glass damage: €250 ↩

Gan Direct's current motor insurance comparison table shows a standard included Windscreen Cover limit of €250 across all four tiers (Basic Plus, Economic, Value, Premium). Under the Windscreen Cover endorsement, the Company indemnifies the cost of reinstating windscreen or window glass following breakage (provided there is no further vehicle damage); a 24-hour helpline arranges repair or replacement, and the excess does not apply to this benefit. Customers can upgrade to unlimited windscreen cover as an add-on, included as standard only in the Premium policy.

Windscreen Cover up to €250 √ √ √ √

[76] Natural perils: Optional ↩

Loss or damage caused by flood, storm, earthquake and other convulsions of nature is a General Exception under the base policy. Cover can be added via the 'Convulsion of Nature' endorsement (Section Three only) for an additional premium.

It is hereby declared and agreed that, for an additional premium, that the indemnity granted by this Policy, in respect of Section III only, is extended to apply to loss or damage caused by convulsion of nature. Hence general exception 2(e), as this applies to SECTION III only, is deemed to be cancelled.

[77] Vandalism: Optional ↩

The base policy's General Exceptions exclude damage from strike, lock-out, riot or civil commotion unless the 'Liability for Strike, Lock-Out, Riot, Civil Commotion' endorsement is purchased for an additional premium. Gan Direct's current motor insurance comparison table shows this cover as optional (add-on) under the Value policy and included as standard only under the Premium policy.

Riots & Strikes N/A N/A * √

[78] Roadside assistance: Covered ↩

Free 24-hour, 365-day Roadside Assistance is included with all Gan Direct motor products, covering accidents, breakdowns and windscreen replacement within the Republic of Cyprus. Enhanced services (Business Assistance, Relay recovery to any destination, Stay Mobile replacement car/transport/accommodation) are optional extras sold under the separate 24hrs Assistance Membership Plan, subject to call-out limits (max 4 per Membership Year).

FREE 24hours Assistance 365 days a year with all our Products: • 24hours Claims Assistance at the scene • 24hours Road Assistance at the scene

[79] Replacement vehicle: Conditional ↩

A free courtesy car is provided under the Key2Key Service while the vehicle is being repaired at one of Gan Direct's Network Approved Repairers following an accident. As a separate, additional-premium endorsement ('Loss of Use of Car'), a daily cash allowance is payable under Section Three claims for the period needed to complete repairs (capped at 12 days for total loss).

the company will indemnify the insured for the daily amount as is stated in the schedule of this policy for such a period as required for the completion of the necessary repairs... It is further understood that in the event of "Total Loss of the vehicle" the period is limited to twelve (12) days.

[80] Driver accident: €2,000 ↩

Under the Medical Expenses endorsement, the Company pays reasonable medical expenses for bodily injury sustained by the insured or an authorized driver as a direct result of a motor accident, up to the limit stated in the Schedule. Gan Direct's current motor insurance comparison table shows a standard included limit of €2,000 for the Authorized Driver(s) across all four tiers (Basic Plus, Economic, Value, Premium), with an option to increase this limit for an additional premium.

Medical Expenses for the Authorized Driver(s) up to €2,000 √ √ √ √

[81] Own damage: Covered ↩

Comprehensive Plus covers loss of or damage to the insured vehicle caused by fire, explosion, lightning or theft, and loss or damage due to collision, impact, overturning or malicious damage; the Company's liability for damage to the vehicle is restricted to its reasonable market value at the time of the loss and shall not exceed the amount specified in the policy.

Loss of or damage to your vehicle caused by fire, explosion, lightning or theft.

[82] Total loss: Covered ↩

Compensation for total loss of the insured vehicle is restricted to its reasonable market value at the time of the loss and shall not, under any circumstances, exceed the amount specified in the insurance policy.

The Company's liability for paying any compensation for damage to the insured vehicle is restricted to the reasonable market value of the vehicle at the time of the loss or damage and under no circumstances shall exceed the amount specified in the insurance policy.

[83] Partial loss: Covered ↩

Repairs to the vehicle following partial loss or damage are covered subject to a deductible, specified in the insurance policy, payable for each claim (excluding windscreen damage).

The deductible amount which you are required to pay for each claim in respect of damage to your vehicle (excluding damage to windscreen) which is specified in the insurance policy.

[84] Theft & robbery: Covered ↩

Loss of or damage to the insured vehicle caused by theft is covered, subject to the reasonable market value cap described above.

Loss of or damage to your vehicle caused by fire, explosion, lightning or theft.

[85] Glass damage: €525 ↩

Cover for breakage of the windscreen or window glass of the vehicle during any one Period of Insurance is limited to €525 in aggregate.

The cover for breakage of windscreen/window during any one Period of Insurance, is limited to the amount of €525.

[86] Natural perils: Excluded ↩

Comprehensive Plus does not include cover against natural hazards; this benefit is only provided under the higher Comprehensive Superior plan.

It also provides cover against natural hazards, strikes, riots, loss of personal effects, personal accident of the Insured and/or spouse and replacement of the vehicle with new (for private vehicles only).

[87] Vandalism: Covered ↩

Loss or damage to the vehicle due to collision, impact, overturning or malicious damage is covered under Comprehensive Plus.

Loss or damage to your vehicle due to collision, impact, overturning, malicious damage.

[88] Roadside assistance: Covered ↩

All Genikes Insurance vehicle policies, including Comprehensive Plus, provide free 24-hour Motor Assistance for roadside assistance and accident care.

24h road assistance and accident care.

[89] Replacement vehicle: See details ↩

A replacement vehicle service is not provided. Comprehensive Plus instead offers a separate loss-of-use benefit (see product_specific_constraints) compensating for the days the vehicle is off the road for repairs, limited to 7 days for private vehicles.

[90] Driver accident: Excluded ↩

Personal accident cover for the insured and/or spouse is not part of Comprehensive Plus; it is offered as an optional add-on under the Third Party Fire and Theft Plus plan and is included as standard only in Comprehensive Superior.

You can also opt to add cover for a trailer and personal accident cover for the insured and/or spouse.

[91] Own damage: Covered ↩

Part III (Comprehensive Cover) compensates the Policyholder for loss or damage to the Vehicle and its attached parts/accessories caused directly by causes other than fire, attempted arson, self-ignition, lightning, explosion, theft or attempted theft (which are covered under Part II). This Part only applies if included in the Policy Schedule, for the specified Insured/Deductible Amounts, and the Company may settle by cash payment per an assessor's estimate, by repair, or by replacement.

Η Εταιρεία θα αποζημιώσει τον Κάτοχο Ασφαλιστηρίου για απώλεια ή ζημιά στο Όχημα, τα εξαρτήματα και τα αξεσουάρ του τα οποία είναι προσαρτημένα και αποτελούν μέρος του Οχήματος, που προκαλείται άμεσα εκτός από φωτιά ή απόπειρα εμπρησμού, αυτανάφλεξη, κεραυνό, έκρηξη, κλοπή ή απόπειρα κλοπής.

[92] Total loss: Covered ↩

In case of total loss, compensation is settled at the lower of the value declared by the Policyholder (Insured Value in the Schedule) or the reasonable market value of the Vehicle at the time of loss.

Σε τέτοια περίπτωση, η Εταιρεία θα καταβάλει στον Κάτοχο Ασφαλιστηρίου τη λογική αγοραία αξία του Οχήματος κατά τον χρόνο της απώλειας ή ζημιάς η οποία όμως δεν θα υπερβαίνει την αξία που ο Κάτοχος Ασφαλιστηρίου εκτίμησε και δηλώθηκε στον Πίνακα η σε οποιαδήποτε Πρόσθετη Πράξη ως Υπολογιζόμενη Αξία από τον Κάτοχο Ασφαλιστηρίου.

[93] Partial loss: Covered ↩

For partial damage, the Company may pay the loss amount per an appointed motor assessor's estimate, restore the Vehicle by repair or replacement of parts at a repairer of the Company's choice, subject to the Deductible and Insured Amounts stated in the Schedule.

Η Εταιρεία έχει το δικαίωμα να επιλέξει: α. να πληρώσει το ποσό της απώλειας ή ζημιάς, σύμφωνα με την εκτίμηση του ειδικού πραγματογνώμονα/εκτιμητή μηχανοκινήτων που θα διορίσει η Εταιρεία β. να αποκαταστήσει το Όχημα στην προηγούμενή του κατάσταση, είτε με επιδιόρθωση, είτε με αντικατάσταση οποιουδήποτε μέρους, εξαρτήματος ή αξεσουάρ, σε επιδιορθωτή της επιλογής της Εταιρείας

[94] Theft & robbery: Covered ↩

Part II covers loss of or damage to the Vehicle caused by theft or attempted theft, in addition to fire, attempted arson, self-ignition, lightning and explosion; a police report and cooperation with the Company are required immediately following any theft.

Η Εταιρεία θα αποζημιώσει τον Κάτοχο Ασφαλιστηρίου για απώλεια ή ζημιά στο Όχημα τα εξαρτήματα και αξεσουάρ του τα οποία είναι προσαρτημένα και αποτελούν μέρος του Οχήματος, που προκαλείται άμεσα από φωτιά ή απόπειρα εμπρησμού, αυτανάφλεξη, κεραυνό, έκρηξη, κλοπή ή απόπειρα κλοπής.

[95] Glass damage: Optional ↩

Standalone windscreen damage is excluded from the base Parts II and III cover and is only available as an optional Additional Act (endorsement no. 5, Windscreen) that must be specifically added to the Schedule with its own Insured Amount.

Δηλώνεται με την παρούσα Πρόσθετη Πράξη και συμφωνείται ότι, με την επιφύλαξη του Ορίου που αναφέρεται στον Πίνακα ή σε οποιαδήποτε Πρόσθετη Πράξη, η Εταιρεία θα παρέχει κάλυψη στον Κάτοχο του Ασφαλιστηρίου για τα έξοδα αποκατάστασης του ανεμοθώρακα ή οποιωνδήποτε άλλων γυαλιών του Οχήματος, εκτός από την ηλιοροφή, ως αποτέλεσμα σπασίματός τους

[96] Natural perils: Excluded ↩

Loss or damage caused by flood, hurricane, storm, tempest, hailstorm, hail, cyclone, tornado, volcanic eruption, earthquake, or other convulsion of nature (item 6) is listed among the exclusions applying to all Parts of the Policy (including Parts II and III), and is therefore not covered under this product. Confirmed against the full numbered exclusion list (items 1-6: war, terrorism, strike/riot, nuclear material, ionising radiation, natural perils).

Πλημμύρα, τυφώνα, καταιγίδα, θύελλα, χαλαζοθύελλα, χαλάζι, κυκλώνα, ανεμοστρόβιλο, έκρηξη ηφαιστείου, σεισμό ή άλλη διατάραξη των στοιχείων της φύσης ή άλλες άμεσες ή έμμεσες συνέπειες των πιο πάνω συμβάντων.

[97] Vandalism: Covered ↩

Part III compensates for loss or damage to the Vehicle caused directly by causes other than fire/theft (covered by Part II). Ordinary malicious damage/vandalism by individuals is not among the named perils reserved for Part II, nor among the general exclusions (war, terrorism, strike/riot/civil commotion, nuclear/radiation, natural perils) or the Parts II/III specific exclusions (depreciation, wear and tear, mechanical/electrical breakdown), so it falls within the broad own-damage cover of Part III, subject to the Insured/Deductible Amounts in the Schedule. Note: damage arising specifically from strikes, riots or civil commotion is excluded under the general exclusions.

[98] Roadside assistance: Covered ↩

GRAWE provides a dedicated roadside assistance and accident care line (8000 4040) for all policyholders who have insured their vehicle with GRAWE within Cyprus, covering accidents and mechanical breakdowns; the claim notification procedure requires immediate notification to the AUTOHELP service. This roadside assistance is not offered while outside the geographical area of Cyprus, where the policyholder must bear the cost themselves (usually prepaid by credit card), and own-damage claims are not payable abroad.

In case you will need the roadside assistance services either due to an accident or due to a mechanical breakdown outside the geographical area of Cyprus click here .

[99] Replacement vehicle: See details ↩

No replacement vehicle / courtesy car benefit could be confirmed among the Parts, Additional Acts, or general terms of the Vehicle Insurance Policy wording reviewed; the Additional Acts (Πρόσθετη Πράξη) are individually numbered per Schedule and were only partially enumerable from available excerpts (nos. 10, 11, 13 confirmed as Windscreen, Tyres, Loss of Personal Items).

[100] Driver accident: See details ↩

No driver personal accident benefit could be confirmed among the Parts, Additional Acts, or general terms of the Vehicle Insurance Policy wording reviewed; the Additional Acts (Πρόσθετη Πράξη) are individually numbered per Schedule and were only partially enumerable from available excerpts (nos. 10, 11, 13 confirmed as Windscreen, Tyres, Loss of Personal Items).

[101] Own damage: Covered ↩

The official product page states that motor insurance covers the insured vehicle against accidents and damage, in addition to third-party liability. No specific monetary limit for own-damage cover is published on the source page.

[102] Total loss: See details ↩

Total loss cover terms are not addressed on the official product page or other verified sources.

[103] Partial loss: See details ↩

Partial loss cover terms are not addressed on the official product page or other verified sources.

[104] Theft & robbery: Covered ↩

The official product page states that motor insurance covers the insured vehicle against theft, in addition to accidents, damage, and third-party liability. No specific monetary limit is published on the source page.

[105] Glass damage: See details ↩

Glass/windscreen damage cover is not addressed on the official product page or other verified sources.

[106] Natural perils: See details ↩

Natural perils cover is not addressed on the official product page or other verified sources.

[107] Vandalism: See details ↩

Vandalism cover is not addressed on the official product page or other verified sources.

[108] Roadside assistance: See details ↩

Roadside assistance is not addressed on the official product page or other verified sources.

[109] Replacement vehicle: See details ↩

Replacement vehicle cover is not addressed on the official product page or other verified sources.

[110] Driver accident: See details ↩

Driver personal accident cover is not addressed on the official product page or other verified sources.

[111] Own damage: Covered ↩

Comprehensive (CASCO) motor insurance is Pancyprian Insurance's own-damage product line, covering accidental and unforeseen loss or damage to the insured vehicle; no specific sum-insured limit is stated in the sources reviewed.

[112] Total loss: Not established from the reviewed documents ↩

Not established in the available sources.

[113] Partial loss: Not established from the reviewed documents ↩

Not established in the available sources.

[114] Theft & robbery: Not established from the reviewed documents ↩

Not established in the available official sources reviewed for this update; a third-party summary suggests theft is part of the comprehensive package, but this could not be confirmed against an official document.

[115] Glass damage: Not established from the reviewed documents ↩

Not established in the available official sources reviewed for this update.

[116] Natural perils: Not established from the reviewed documents ↩

Not established in the available sources.

[117] Vandalism: Not established from the reviewed documents ↩

Not established in the available official sources reviewed for this update.

[118] Roadside assistance: Covered ↩

Road assistance and accident care services are provided free of charge, 24 hours a day, 365 days a year, to holders of motor insurance policies formerly issued by Pancyprian Insurance, now serviced under ERB Asfalistiki, within areas under the jurisdiction of the Republic of Cyprus.

These services are available 24 hours a day, 365 days a year

[119] Replacement vehicle: Not established from the reviewed documents ↩

Not established in the available sources; the Road Assistance document describes towing/transport of the immobilised vehicle but does not describe a replacement/courtesy car benefit.

[120] Driver accident: Not established from the reviewed documents ↩

Not established in the available sources.

[121] Own damage: Covered ↩

Comprehensive cover compensates the policyholder for damage caused to their own vehicle following an accident, even where the policyholder is not at fault.

If you choose one of our plans, you will feel absolutely secure in the event of an accident that causes damage to your vehicle, because we will step in to compensate you, even if you are not responsible.

[122] Total loss: See details ↩

Not found in available sources.

[123] Partial loss: See details ↩

Not found in available sources.

[124] Theft & robbery: Covered ↩

Loss of or damage to the vehicle due to fire or theft is part of the basic cover of both comprehensive plans (Principal and Imperial).

Loss of or damage to vehicle due to fire or theft

[125] Glass damage: €200 – €855 ↩

Windscreen cover is optional up to €200 under the Principal plan and included up to €855 under the Imperial plan.

Windscreen €200

[126] Natural perils: Optional ↩

Cover for hailstorm and other weather-related events is available as an optional extension, recommended particularly due to climate change impacts in Cyprus.

Look at the extensions available – Wet perils (cover for hailstorm and other weather-related events) should be included in your Comprehensive Policy, as we adjust to the effects of Climate Change.

[127] Vandalism: See details ↩

Not found in available sources.

[128] Roadside assistance: Not available ↩

Royal Assist is available 24 hours a day, 365 days a year, and covers 3 services during the Period of Insurance, including transportation of an immobilised vehicle by trailer to the policyholder's preferred service centre in their province of residence, or to their place of residence, free of charge.

Royal Assist covers 3 services during the Period of Insurance, and can arrange the transportation of your immobilised vehicle using state-of-art trailer, to the service centre of your preference in your province of residence, or your place of residence free of charge.

[129] Replacement vehicle: See details ↩

Not found in available sources.

[130] Driver accident: Optional ↩

Optional personal accident insurance for the driver is available as an add-on to the comprehensive policy for a small extra premium, providing compensation if the driver is involved in an accident.

Comprehensive Motor Insurance Policies – if you look – contain some hidden “perks” – such as covers for personal effects, or personal accident….. Check with your Insurers.

[131] Own damage: Covered ↩

Comprehensive coverage compensates the insured for any loss or damage to the insured vehicle caused by an accident, in addition to the mandatory third-party liability, fire and theft cover.

Comprehensive Car Insurance covers not only damage you may cause to third parties (the legally required third-party liability cover), but also damage to your own vehicle, regardless of who is at fault.

[132] Total loss: Covered ↩

Total loss of the insured vehicle resulting from an accident is compensated under the core Motor Comprehensive (Personal) cover; a separate optional extension provides for replacement with a new vehicle following total loss.

Loss of vehicle

[133] Partial loss: Covered ↩

Partial (material) damage to the insured vehicle caused by collision, overturning or impact is covered under the core comprehensive plan, even where the policyholder was at fault.

Covers material damage to your vehicle caused by collision, overturning or impact, even if the accident was your fault.

[134] Theft & robbery: Covered ↩

The base Motor Comprehensive (Personal) plan compensates the vehicle owner for total or partial theft, as well as attempted theft, of the insured vehicle.

Compensates the vehicle owner in cases of total or partial theft.

[135] Glass damage: Optional ↩

Windscreen protection is offered as an optional extension that most Motor Comprehensive (Personal) policyholders choose to add to the standard plan.

Most policyholders choose to extend the standard plan to include loss of vehicle, damage due to natural disasters, windscreen protection, new vehicle replacement and driver personal accident policies.

[136] Natural perils: Optional ↩

Damage from natural phenomena such as hail, floods, storms, earthquakes or fire is available as a distinct optional benefit added to the standard Motor Comprehensive (Personal) plan.

Protects against losses caused by hail, floods, storms, earthquakes or fire.

[137] Vandalism: Covered ↩

The comprehensive programme covers damage from malicious acts, such as vandalism, broken windows, scratches or graffiti, as part of its core coverage.

Covers vandalism and malicious damage, such as broken windows, scratches or graffiti.

[138] Roadside assistance: Covered ↩

24-hour roadside and accident assistance is included as standard in the Motor Comprehensive (Personal) policy, reachable via the hotline 7777 8107 for flat tyres, dead batteries, fuel delivery and towing to a workshop of the customer's choice.

Trust Insurance offers competitive and comprehensive plans tailored to all drivers and vehicle types with great coverage, extensions and 24-hour roadside and accident assistance.

[139] Replacement vehicle: See details ↩

Sources reference an optional 'new vehicle replacement' extension for replacing the insured vehicle with a new one after total loss; no evidence was found of a temporary/courtesy replacement vehicle benefit during repairs.

New Vehicle replacement

[140] Driver accident: Covered ↩

Personal accident insurance for the driver, providing compensation for accidental injury or death, is available as an optional extension to the Motor Comprehensive (Personal) plan.

Personal Accident Cover for Driver and Passengers

[141] Own damage: Covered ↩

Covers damage to the insured vehicle from collision and accidents; included across all Comprehensive tiers (Mini, Mini2nd, Maxisafe, Maxi2nd). No monetary limit is stated on the product page.

Own Damage √ √ √ √

[142] Total loss: Conditional ↩

If the insured vehicle suffers a total loss within the first year of ownership, it is replaced with a brand-new vehicle. This benefit is evidenced on the top-tier package listing (Maxisafe/Maxi2nd) of the product page; no monetary cap is stated.

New Vehicle Replacement (for the first year) √ √

[143] Partial loss: See details ↩

Not distinguished as a separate coverage from Own Damage in the available source material.

[144] Theft & robbery: Covered ↩

Covers loss of or damage to the vehicle due to fire and theft; included across all Comprehensive tiers. No monetary limit is stated.

Fire and Theft √ √ √ √

[145] Glass damage: €500 – €1,000 ↩

Covers breakage of windscreen and vehicle glass. Limit is €500 on the Mini/Mini2nd tiers and €1,000 on the Maxisafe/Maxi2nd tiers; also includes a Windscreen Home Repair service.

Windscreen and Glass €500 €500 €1.000 €1.000 Windscreen Home Repair √ √ √ √

[146] Natural perils: Conditional ↩

Covers loss or damage from natural hazards. This benefit is evidenced on the top-tier package listing (Maxisafe/Maxi2nd) of the product page; no monetary limit is stated.

Coverage of Natural Hazards √ √

[147] Vandalism: Covered ↩

Covers damage from vandalism and malicious acts across all tiers; the higher tiers (Maxisafe, Maxi2nd) additionally include Malicious Damage Arson. No monetary limit is stated.

Malicious Damage √ √ √ √ Malicious Damage Arson √ √

[148] Roadside assistance: Covered ↩

Road Assistance and Off-the-Road (Accident Care) cover appear across all tiers; the higher tiers add the branded 24-hour Yper-Assistance roadside and accident support service.

Road Assistance √ √ √ √ Accident Care √ √ √ √ Yper-Assistance √ √

[149] Replacement vehicle: Optional ↩

Under the ICARUS additional cover, a replacement vehicle up to 1,200 cc is provided: up to 30 days after total theft (15 days for partial theft), up to 20 days after fire, up to 15 days after a collision where repairs exceed 7 working days, and up to 20 days after a total loss.

The Company in the event of loss of use shall provide the insured for his/her use a replacement vehicle up to 1,200 cc.

[150] Driver accident: €5,000 – €17,500 ↩

Personal accident cover for the insured driver is €5,000 on the Mini/Mini2nd tiers and €17,500 on the Maxisafe/Maxi2nd tiers.

Personal Accidents of the Insured €5.000 €5.000 €17.500 €17.500