Extracted from source documents

CNP ASFALISTIKI Casco (own-damage car insurance) (Comprehensive Cover)

Underwritten by CNP ASFALISTIKI · Cyprus

casco (own-damage car insurance) from CNP ASFALISTIKI for the Cyprus market, with 24/7 assistance.

Last verified Aug 23, 2026

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Unique selling points

One of CNP ASFALISTIKI's five motor insurance programmes, Comprehensive Cover bundles more than 15 types of cover into a single policy.

Windscreen and window glass breakage claims do not trigger a premium increase or the application of any excess.

Road Assistance and Accident Care Services are provided by independent providers 24 hours a day, 365 days a year.

Covers the insured's legal liability while driving another vehicle not belonging to them, their employer or partner, and not rented by them.

Optional extensions allow policyholders to add cover for flood, storm, hurricane, hail, earthquake, riots and strikes on top of the standard programme.

Coverage limits

Covered

Own Damage (All Perils)

Covered

No limit stated

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.

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Covered

Total Loss

Covered

No limit stated

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

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Covered

Partial Loss / Damage

Covered

No limit stated

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

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Covered

Theft / Robbery

Covered

No limit stated

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.

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Optional

Windscreen / Glass Breakage

Optional

No limit stated

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.

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Optional

Natural Perils

Optional

No limit stated

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.

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Optional

Vandalism / Riots & Strikes

Optional

No limit stated

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

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Covered

Road Assistance ("24 Hours Sinodigos")

Covered

No limit stated

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.

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Optional

Loss of Use / Replacement Vehicle

Optional

No limit stated

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.

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Optional

Personal Accident (Driver/Authorised Drivers)

Optional

No limit stated

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.

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Key conditions

Driver age and experience limit

Not specified in the published product information.

Repair network requirements

Not specified in the published product information.

Anti-theft requirements

Not specified in the published product information.

Claim notification deadline

Not specified in the published product information.

Deductible rules

Windscreen/glass breakage claims do not result in a premium increase or the application of any excess; deductible terms for other claim types are not specified in the published product information.

Direct payment

Not specified in the published product information.

Territorial scope

Loss of or damage to the motor vehicle and related liabilities are covered only within the areas of Cyprus where the Government of the Republic exercises effective control; occupied areas are excluded.

Exclusions

General Policy Exclusions

Policy subject to certain exclusions including: war, acts of terrorism, nuclear radiation, environmental pollution, any premeditated act which is a felony according to Criminal Law

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Documents

Policy specifics

Windscreen/Glass Cover

Cover for breakage of glass in windscreen or windows without premium increase or excess application following claim submission

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Natural Perils Coverage

Coverage for loss or damage to motor vehicle caused by flood, storm, hurricane, hail, earthquake, riot or strike

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Personal Accident Coverage

Coverage for personal accident to insured and authorized drivers in connection with the use of motor vehicle

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Loss of Use / Temporary Replacement

Coverage for loss of use or temporary replacement of motor vehicle following loss of or damage to the insured vehicle

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Towing Liability and Coverage

Indemnity for damages caused to motor vehicle whilst being towed and liability while vehicle is being towed

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Personal Belongings Coverage

Coverage for loss of or damage to personal belongings caused by fire or theft from the vehicle

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Geographic Coverage Limitation - Cyprus Only

Loss or damage coverage applies only within areas of Cyprus where the Government of the Republic exercises effective control; excludes occupied territories

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Excluded Vehicle Types - Borrowed Vehicle Driving

Driving any other vehicle (excluding motorcycles, buses, lorries or special type vehicles) not belonging to insured, employer or partner is not covered unless explicitly authorized

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Road Usage Limitation

Coverage explicitly excludes use of motor vehicle that extends beyond the scope of the legal definition of the term 'road'

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