CNP Asfalistiki Limited
CNP ASFALISTIKI
CNP ASFALISTIKI is a motor casco insurance for the Cyprus market with no online purchase and 24/7 assistance.
Direct payment
Not specified in the published product information.
Geographic scope
Areas of the Republic of Cyprus under the effective control of the Government
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.
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
Own Damage (All Perils)
Not offered
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.
Total Loss
Not offered
Total loss of the vehicle from any non-excluded peril is covered under the basic 'loss of or damage to the motor vehicle' cover.
Partial Loss / Damage
Not offered
Partial damage to the vehicle from any non-excluded peril is covered under the basic 'loss of or damage to the motor vehicle' cover.
Theft / Robbery
Not offered
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.
Windscreen / Glass Breakage
Not offered
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.
Natural Perils
Not offered
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.
Vandalism / Riots & Strikes
Not offered
Offered as an optional cover for loss of or damage to the motor vehicle caused by riots and strikes.
Road Assistance ("24 Hours Sinodigos")
Not offered
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.
Loss of Use / Replacement Vehicle
Not offered
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.
Personal Accident (Driver/Authorised Drivers)
Not offered
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.
Key conditions
Driver age and experience limit
Not specified in the published product information.
Repair network requirements
Not specified in the published product information.
Territorial scope
Cover applies only within the areas of Cyprus where the Government of the Republic of Cyprus exercises effective control.
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.
Policy specifics
Windscreen/Glass Cover
Cover for breakage of glass in windscreen or windows without premium increase or excess application following claim submission
Natural Perils Coverage
Coverage for loss or damage to motor vehicle caused by flood, storm, hurricane, hail, earthquake, riot or strike
Personal Accident Coverage
Coverage for personal accident to insured and authorized drivers in connection with the use of motor vehicle
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
Towing Liability and Coverage
Indemnity for damages caused to motor vehicle whilst being towed and liability while vehicle is being towed
Personal Belongings Coverage
Coverage for loss of or damage to personal belongings caused by fire or theft from the vehicle
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
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
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
Road Usage Limitation
Coverage explicitly excludes use of motor vehicle that extends beyond the scope of the legal definition of the term 'road'