Atlantic Casco (own-damage car insurance) (Motor Comprehensive)
Underwritten by Atlantic Insurance Co. Public Ltd · Cyprus
casco (own-damage car insurance) from Atlantic for the Cyprus market, with 24/7 assistance.
Last verified Aug 23, 2026Sources
Unique selling points
Comprehensive Executive bundles 11 own-damage benefits — personal accident, unlimited glass, No Claim Bonus protection, natural perils, replacement car and more — into one flagship package.
Windscreen and window glass breakage under Comprehensive Executive is covered for an unlimited amount with no excess and no impact on the No Claim Bonus.
No Claim Bonus Protection safeguards the policyholder's bonus entitlement even after submitting a claim, subject to limits.
Every motor policy, regardless of tier, includes free 24-hour roadside assistance and accident care through the Atlantic Rescue Line.
Coverage limits
Own Damage Cover
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.
Section: Motor Insurance > What we cover
In addition to the minimum cover required by law, this policy provides cover for loss or damage to the insured vehicle.
Total Loss Compensation
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.
Section: Motor Insurance > Frequently Asked Questions
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.
Partial Loss / Damage Cover
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.
Section: Motor Insurance > What we cover
In addition to the minimum cover required by law, this policy provides cover for loss or damage to the insured vehicle.
Theft / Robbery Cover
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.
Section: Motor Insurance > What we cover
Theft or attempted theft
Windscreen and Window Glass Breakage
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.
Section: Motor Insurance > What we cover
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.
Natural Perils Extension
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.
Section: Motor Insurance > What we cover
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.
Vandalism Cover
No limit stated
Vandalism as a distinct peril is not mentioned in the available sources; a related benefit covers strikes, lock-outs, riots and civil commotions.
Section: Motor Insurance > What we cover
The Company will compensate any loss or damage to the insured vehicle caused by strikes, lock-outs, riots or civil commotions.
24-Hour Roadside Assistance and Accident Care
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.
Section: Motor Insurance
Regardless of the benefits you choose, all types of motor insurance provide free roadside assistance and free accident care on a 24-hour basis.
Loss of Use / 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.
Section: Motor Insurance > What we cover
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.
Personal Accident Cover for Named Drivers
€20K – €60K
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.
Section: Motor Insurance > What we cover
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.
Key conditions
Driver age and experience limit
Not stated for the Comprehensive/Comprehensive Executive casco cover itself; a related Third Party Plus extension covers any driver aged between 24 and 70 with over 2 years of Cypriot/UK regular driving licence.
Repair network requirements
Not stated in the available sources.
Anti-theft requirements
Not stated in the available sources.
Claim notification deadline
Not stated in the available sources.
Deductible rules
The excess is the amount a client will pay for own damage in the event of a claim; specific amounts are set out in the policy schedule/terms. Under Comprehensive Executive, the excess does not apply to windscreen glass breakage claims.
Direct payment
Atlantic Insurance's own Comprehensive Motor (Casco) product materials and FAQ do not state an explicit direct-settlement clause; they only promise "comprehensive coverage at competitive prices and prompt and fair claims settlements" and describe the excess as "the amount a client will pay for own damage in case of a claim."
Territorial scope
Cover applies within the Republic of Cyprus; the Driving Other Cars extension explicitly excludes the occupied areas, and third party cover extends to countries that have signed the Multilateral Guarantee Agreement.
Documents
Motor insurance document index (Individuals): IPID Motor Comprehensive EN/GR, IPID Motor Third Party EN/GR, leaflet, proposal and claim forms (opens in a new tab)
Other document · PDF
Motor insurance document index (Businesses): IPID Motor Comprehensive EN/GR, IPID Motor Third Party EN/GR, leaflet, proposal and claim forms (opens in a new tab)
Other document · PDF
Policy specifics
Personal Accident Cover
Cover for named drivers in the event of death, loss of limb(s) or loss of eyesight, with base amount of €20,000 adjustable to €40,000 or €60,000
SourceClause E.1Section: Motor Insurance > What we cover
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.
Windscreen Glass Breakage Cover
Unlimited coverage for breakage of windscreen and window glass, with no impact on No Claim Bonus and no excess applicable
SourceClause E.2Section: Motor Insurance > What we cover
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.
No Claim Bonus Protection
Protection against loss of No Claim Bonus entitlement when submitting a claim, subject to number/amount restrictions over specific insurance periods
SourceClause E.3Section: Motor Insurance > What we cover
This cover aims at protecting the Insured against losing his/her No Claim Bonus entitlement in the event of submitting a claim. It is subject to certain restrictions as to the number/amount of claim(s) allowed over specific insurance periods.
Natural Perils Extension
Coverage for loss or damage caused by natural perils including flood, typhoon, storm, tempest, hailstorm, cyclone, hurricane, volcanic eruption or earthquake
SourceClause E.4Section: Motor Insurance > What we cover
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.
Loss of Use / Replacement Hire Car
Provision of a replacement car at company's choice for maximum period of four weeks in event of claim for damage to insured vehicle
SourceClause E.6Section: Motor Insurance > What we cover
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.
Driving Other Cars Cover
Coverage for policyholder whilst driving a saloon vehicle in the Republic of Cyprus (excluding occupied areas), providing Third Party cover only
SourceClause E.5Section: Motor Insurance > What we cover
It covers the policyholder whilst driving a saloon vehicle in the Republic of Cyprus, excluding occupied areas. This benefit provides Third Party cover only.
Strikes, Lockouts, Riots and Civil Commotions Cover
Coverage for loss or damage to insured vehicle caused by strikes, lock-outs, riots or civil commotions
SourceClause E.7Section: Motor Insurance > What we cover
The Company will compensate any loss or damage to the insured vehicle caused by strikes, lock-outs, riots or civil commotions.
Trailer Drawing Cover
Third Party cover provided when a trailer is attached to the insured vehicle
SourceClause E.8Section: Motor Insurance > What we cover
Third Party cover is provided when a trailer is attached to the insured vehicle.
Loss or Theft of Credit Card Cover
Cover for insured and spouse for financial loss up to €600 yearly resulting from loss or theft of credit card
SourceClause E.9Section: Motor Insurance > What we cover
The Insured and his/her spouse are provided with cover for an amount up to €600 yearly, for financial loss they may suffer as a result of loss or theft of their credit card.
Personal Effects and Cash Cover
Cover for loss or damage to personal effects and cash in the insured vehicle caused by fire, lightning, explosion or burglary; maximum €250 for personal effects and €100 for cash.
SourceClause E.10Section: Motor Insurance > What we cover
The Company will cover loss or damage to personal effects and cash found in the insured vehicle caused by fire, lightning, explosion or burglary. The Company’s maximum liability in respect of personal effects is €250 and for cash €100.
Excess / Deductible
Amount client will pay for own damage in case of claim - specific amounts to be confirmed from policy terms
SourceClause Q1Section: Motor Insurance > Frequently Asked Questions
It is the amount a client will pay for own damage in case of a claim.
Total Loss Compensation Limit
Maximum liability for total loss shall not exceed market value of vehicle at time of loss, and in no case shall exceed insured's estimate of value as last advised to company
SourceClause Q3Section: Motor Insurance > Frequently Asked Questions
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.
Policy Period / Coverage Duration
Standard policy period is 12 months; shorter periods available upon request with applicable terms, conditions and provisions
Source24-Hour Roadside Assistance and Accident Care
All motor insurance types include free 24-hour roadside assistance and free accident care through Atlantic Rescue Line
SourceSection: Motor Insurance
Regardless of the benefits you choose, all types of motor insurance provide free roadside assistance and free accident care on a 24-hour basis.
Sources
Atlantic Casco (own-damage car insurance)