Anytime Casco (own-damage car insurance) (Anytime Auto)
Underwritten by Interamerican Hellenic Insurance Company S.A. (Anytime Online, Cyprus Branch) · Cyprus
casco (own-damage car insurance) from Anytime for the Cyprus market, with online purchase and 24/7 assistance.
Last verified Aug 24, 2026Sources
Unique selling points
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
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.
Section: 2. Insurance programs > 2.16 Own Damage
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 • • •
Total Destruction / 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.
Section: Value > Total loss (from fire, explosion, natural perils, theft)
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.
Partial Damage (under Own Damage cover)
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.
Section: 2. Insurance programs > 2.16 Own Damage
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 • • •
Theft (Total and Partial)
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.
Section: 2. Insurance programs > 2.13 Partial Theft
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.
Windscreen and Window Breakage
€1K
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.
Section: 2. Insurance programs > 2.7 Windscreen & Glass Damage
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.
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.
Section: 2. Insurance programs > 2.14 Natural perils
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.
Malicious Acts
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.
Section: 2. Insurance programs > 2.17 Malicious Damage
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.
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.
Section: 2. Insurance programs > 2.6 Road Assistance
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.
Loss of Use of Vehicle (Daily Allowance)
€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.
Section: 2. Insurance programs > 2.18 Loss of use of the vehicle
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.
Driver Personal Accident
€10K
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.
Section: 2. Insurance programs > 2.10 Personal Accident
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.
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.
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.
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.
Territorial scope
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.
Documents
Information Document (IPID) - Motor Vehicle Insurance (Greek) (opens in a new tab)
Product information sheet · PDF
Information Document (IPID) - Motor Insurance (English) (opens in a new tab)
Product information sheet · PDF
Insurance Product Information Document (IPID) - ANYTIME AUTO (English) (opens in a new tab)
Product information sheet · PDF
Insurance Product Information Document (IPID) - ANYTIME AUTO (Greek) (opens in a new tab)
Product information sheet · PDF
Insurance Terms Handbook - Motor Vehicle (04/2017) (opens in a new tab)
Terms & conditions · PDF
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
SourceSection: Value
The Company provides cover for the cost of replacing the Motor Vehicle’s airbags in case they are destroyed as a result of a collision, impact, diversion, overturning or fall in case of an Accident caused by the Insured Person’s or the Authorized Driver’s fault.
Wrong 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
SourceSection: Value
The Company covers the costs (up to 250€) of cleaning and draining the Motor Vehicle’s fuel tank incurred as a result of injecting the wrong fuel in the Motor Vehicle, but only when refuelling is carried out by the employee of a gas station lawfully operating in Cyprus.
Windscreen 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
SourceSection: Economic
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.
Accidental 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
SourceSection: Economic
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.
Motor Vehicle Theft Coverage
Cover provided when insured motor vehicle is stolen; claim covered 28 days after date on which vehicle reported stolen
SourceClause 2.12Page 4/10Section: 2. Insurance programs > 2.12 Complete Theft
Cover is provided where the insured motor vehicle is stolen. The claim will be covered 28 days after the date on which the vehicle has been reported to the Company as stolen, provided that the motor vehicle (either in whole or in part) has not been found by the competent authorities.
Accident 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
SourceSection: Economic
Accident Care includes the following covers, which are provided for incidents that take place in Cyprus, on a 24-hour basis: Immediate service of the motor vehicle in the event of an accident, wherever the motor vehicle may be located. On-site recording of the accident and completion of the accident declaration. Photographing the scene of the accident and of the vehicles involved Collecting witnesses declarations.
Road 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
SourceSection: Economic
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.
Authorized 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
SourceSection: Μάθε σχετικά με το συμβόλαιο σου > Ποιοι οδηγοί καλύπτονται από το συμβόλαιό μου;
Όλα τα προγράμματα ασφάλισης αυτοκινήτου Anytime Standard Drive καλύπτουν τον κύριο οδηγό και οποιοδήποτε άλλο οδηγό ηλικίας 25-80 ετών με άδεια οδήγησης άνω των 2 ετών, χωρίς να χρειάζεται να δηλωθούν ονομαστικά οι οδηγοί.
Repair 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
SourceClause 3.2Page 7Section: 3. Important insurance terms > 3.2 Compensation in case of damage caused to the motor vehicle
Assign the repair of the motor vehicle to a garage of its choice. The Insured Person may choose a garage of their preference, subject to the prior approval of the Company.
Repair Cost Authorization Threshold
Insured must not make repairs to vehicle costing more than €300 without company consent
SourcePage 2/2Section: What are my obligations?
Do not make any repairs to the vehicle costing more than €300 without our consent.
Subrogation 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
SourcePage 2/2Section: What are my obligations?
In case we intend to recover from a third party any amount we paid under the policy, you must cooperate with us and allow us to initiate legal proceedings on your behalf in your name.
Police Notification Requirement
Insured must inform police immediately after loss or damage as result of theft, attempted theft, or accident involving physical injury
SourcePage 2/2Section: What are my obligations?
Notify the police as soon as practically possible in case of theft or attempted theft, accident involving bodily injury or death, vandalism or terrorist act.
Damage 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
SourcePage 2/2Section: What are my obligations?
Avoid any actions that may cause damage to your vehicle or to third parties or that may augment such damage. Do not accept liability towards third parties or handle third party claims without our consent.
Sources
- anytimeonline.com.cyhttps://www.anytimeonline.com.cy/el/By-your-side/faqs(opens in a new tab)
- anytimeonline.com.cyhttps://www.anytimeonline.com.cy/en/allprograms/personal-vehicle(opens in a new tab)
- anytimeonline.com.cyhttps://www.anytimeonline.com.cy/services/portlets/cy/public/resources/motor_entipa_en/anytime_cy_eggrafo_pliroforion_autokinitou_en.pdf#page=2(opens in a new tab)
- anytimeonline.com.cyhttps://www.anytimeonline.com.cy/services/portlets/cy/public/resources/motor_entipa_en/anytime_cy_eggrafo_pliroforion_autokinitou_smartdrive_en.pdf#page=2(opens in a new tab)
- anytimeonline.com.cyhttps://www.anytimeonline.com.cy/services/portlets/cy/public/resources/motor_entipa_en/anytime_cy_enimerotiko_entypo_anytime_motor_en.pdf#page=3(opens in a new tab)
- anytimeonline.com.cyhttps://www.anytimeonline.com.cy/services/portlets/cy/public/resources/motor_entipa_en/anytime_cy_enimerotiko_entypo_anytime_motor_en.pdf#page=4(opens in a new tab)
- anytimeonline.com.cyhttps://www.anytimeonline.com.cy/services/portlets/cy/public/resources/motor_entipa_en/anytime_cy_enimerotiko_entypo_anytime_motor_en.pdf#page=5(opens in a new tab)
- anytimeonline.com.cyhttps://www.anytimeonline.com.cy/services/portlets/cy/public/resources/motor_entipa_en/anytime_cy_enimerotiko_entypo_anytime_motor_en.pdf#page=7(opens in a new tab)
Anytime Casco (own-damage car insurance)