INTERAMERICAN Hellenic Insurance Company S.A., Cyprus Branch (trading as Anytime / Anytime by INTERAMERICAN)
Anytime
Anytime is a motor casco insurance for the Cyprus market with online purchase and 24/7 assistance.
Direct payment
Premium can be paid as a single lump sum by standing order via debit/credit card, in cash through JCC Smart, or via internet/phone banking. If paid by card with a standing order, cancellation of the card by the bank will not automatically cancel the policy, which will remain active only until the end of the paid period.
Geographic scope
Republic of Cyprus
Third-party liability and related covers apply in the Republic of Cyprus, in the areas of the British Sovereign Base Areas in Cyprus, and in the countries covered under the Green Card system. The 24/7 Accident Care service applies only to incidents in Cyprus, while the 24/7 Road Assistance service applies to incidents in Cyprus and Greece.
Unique selling points
- Drivers aged 18-30 receive an extra discount on their insurance premium.
- The free 'my anytime' digital self-service portal lets customers manage their policy and payments from anywhere.
- The Premium plan is a complete, all-risk insurance program offered with low excess.
- 24-hour Accident Care and Road Assistance services cover incidents across Cyprus and, for road assistance, Greece as well.
- Authorized drivers aged 25-80 with over 2 years' license are automatically covered without needing a named-driver declaration.
Coverage limits
Own Damage (Ίδιες ζημιές)
100% of insured sum
Only in Premium
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.
Total Destruction / Total Loss
100% of insured sum
Only in Premium
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 Premium plan. If the insured value stated in the Policy Schedule exceeds €30,000, a pre-inspection condition applies.
Partial Damage (under Own Damage cover)
100% of insured sum
Only in Premium
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.
Theft (Total and Partial)
100% of insured sum
Only in Premium
Total theft is covered 28 days after the date the theft is reported to police, paid at current commercial value up to the insured value in the Policy Schedule. Partial theft covers stolen vehicle parts/accessories at full replacement value, with electronic systems and anti-theft devices capped at €500 per claim, and replacement of keys/locks after theft or loss capped at €150. Available in the Premium plan.
Windscreen and Window Breakage
€1,000
Only in Value, Premium
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.
Natural Perils
100% of insured sum
Only in Premium
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.
Malicious Acts
100% of insured sum
Only in Premium
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.
Road 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.
Loss of Use of Vehicle (Daily Allowance)
€20
Only in Value, Premium
If the insured vehicle is immobilized for repair following a covered event, a daily cash allowance is paid for up to 15 days: up to €20/day for passenger cars on the Auto Standard Drive program, and up to €15/day for Smart Drive and Truck programs. This is a cash benefit, not provision of a physical replacement car. Available in the Value and Premium plans.
Driver Personal 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.
Key conditions
Driver age and experience limit
All Standard Drive programs cover the principal driver and any other driver aged 25-80 with a driving license held for over 2 years, without requiring a named-driver declaration. If the principal or another declared driver is under 25, any driver aged 18-80 may drive without a named declaration.
Repair network requirements
The insured may choose a repair shop of their preference, subject to the Company's prior approval, and must not carry out repairs costing more than €300 without the Company's consent.
Territorial scope
Liability and related covers apply in Cyprus, the British Sovereign Base Areas in Cyprus, and Green Card member countries. The 24/7 Accident Care service applies only to incidents occurring in Cyprus, while the 24/7 Road Assistance service applies to incidents occurring in Cyprus and Greece.
Anti-theft requirements
The reviewed policy documents do not specify a mandatory anti-theft device requirement for eligibility of theft cover.
Claim notification deadline
The insured must notify the police immediately in the event of theft, attempted theft, or an accident involving bodily injury, and must report the incident to the Company's Claims Department as soon as possible and in writing within 8 days from the moment they became aware or could reasonably have become aware of it. Total theft claims are payable 28 days after the theft is reported.
Deductible rules
Specific excess amounts are stated in the Insurance Policy Schedule. For glass claims repaired through Anytime's designated network, payment is made directly with no deductible; if repaired elsewhere, the standard policy excess applies.
Documents
Information Document (IPID) - Motor Vehicle Insurance (Greek)
IPID
Information Document (IPID) - Motor Insurance (English)
IPID
Insurance Product Information Document (IPID) - ANYTIME AUTO (English)
IPID
Insurance Product Information Document (IPID) - ANYTIME AUTO (Greek)
IPID
Insurance Terms Handbook - Motor Vehicle (04/2017)
Terms & conditions
Policy specifics
Airbag Replacement Cover
Cover for cost of replacing motor vehicle airbags destroyed as result of collision, impact, diversion, overturning or fall in case of accident caused by insured person or authorized driver fault
SourceWrong Fuel Tank Drainage Cover
Cover for costs up to €250 for cleaning and draining motor vehicle fuel tank when wrong fuel is injected, but only when refueling is carried out by lawfully operating gas station employee in Cyprus
SourceWindscreen and Windows Cover
Cover provided for cost of spare parts and replacement or repair work for damage caused to windscreen and windows of insured motor vehicle due to any external cause
SourceAccidental Death Benefit
Driver is covered for accident while driving leading to death, with fixed amount of €10,000 coverage; in case of serious injuries, company compensates by paying percentage of €10,000 depending on injury type
SourceMotor Vehicle Theft Coverage
Cover provided when insured motor vehicle is stolen; claim covered 28 days after date on which vehicle reported stolen
SourceAccident Care Service
24-hour accident support service in Cyprus including: immediate on-site service, accident recording and declaration completion, photographing scene and vehicles, collecting witness declarations
SourceRoad Assistance Service
24-hour road assistance available for accidents in Cyprus and Greece including: on-site service by mobile repair crew, transportation of vehicle to repair shop or location of choice
SourceAuthorized Driver Age and License Requirements
All Standard Drive programs cover principal driver and any other driver aged 25-80 with driving license for over 2 years, without need for named driver declaration. If principal or other driver declared under 25 years, any driver aged 18-80 may drive without named declaration
SourceRepair Approval Requirement
Insured person may select repair shop of their preference on condition of prior approval from the company; insured can entrust repair to shop of their choice with company's prior approval
SourceSource no longer reachableRepair Cost Authorization Threshold
Insured must not make repairs to vehicle costing more than €300 without company consent
SourceSubrogation and Cooperation Obligation
When company intends to recover amounts paid under policy from third party, insured must cooperate and allow company to initiate legal proceedings on insured's behalf and in insured's name
SourcePolice Notification Requirement
Insured must inform police immediately after loss or damage as result of theft, attempted theft, or accident involving physical injury
SourceDamage Minimization Obligation
Insured must avoid any actions that may cause damage to vehicle or third parties or augment such damage; must not accept liability or handle third party claims without company consent
Source