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Feature / category	AIG Cyprus Jun 1, 2026 Open details	Atlantic Jun 1, 2026 Open details	CNP Asfalistiki Jun 1, 2026 Open details	Genikes Insurance Jun 1, 2026 Open details
Overview
Insurer	AIG Europe S.A. (Cyprus Branch)	Atlantic Insurance Co. Public Ltd	CNP Asfalistiki Ltd	General Insurance of Cyprus Ltd.
Online purchase	Yes	No	No	Yes
24/7 helpline	Yes	Yes	Yes	Yes
Billing basis	annual	annual	annual	annual
Unique selling points	Policy explicitly covers loss or damage to the motor vehicle in the occupied territories of Cyprus — an extension most Cyprus motor insurers exclude. Windscreen damage under Comprehensive cover is paid up to €1,200 with no excess applied. 24-hour roadside and accident assistance is included as standard in all Comprehensive and Third Party Liability cover tiers. Policy documentation is issued in both clear English and Greek, making it accessible for expats and local Cypriot policyholders alike. AIG Europe S.A. carries S&P AA- and Moody's A1 financial-strength ratings, placing it in the highest financial-strength tier among Cyprus motor insurers.	Free 24-hour roadside assistance and accident care service is included as standard across all motor insurance tiers, including the basic Third Party policy. The Comprehensive Executive package bundles 11 optional benefits in a single policy, including unlimited glass cover with no NCB impact and no excess, natural perils, strikes/riots, replacement vehicle for up to 4 weeks, and new car replacement. Brand new cars stolen or written off within the first 12 months are replaced with a new vehicle of the same type and model, or the current official selling price is paid. Personal accident cover for named drivers is flexibly scalable from €20,000 up to €60,000 upon request, covering death, loss of limbs, and loss of eyesight. Atlantic Insurance holds one of the highest Solvency II ratios among Cypriot insurers and is reinsured with Swiss Re and other A-rated international reinsurers, providing strong financial security.	More than 15 types of cover included in the comprehensive policy, one of the broadest coverage programmes in the Cyprus motor insurance market. Windshield and glass claims do not trigger a premium increase and no deductible/excess is applied, protecting the policyholder's no-claims status. 24/7 Roadside Assistance and Accident Care Services provided by independent providers are included in the policy at no extra premium. First in Cyprus to offer an integrated Mobile App for 24/7 general insurance management, claims reporting, and direct company communication. CNP Asfalistiki ranked first for reliability among Cyprus insurers for two consecutive years according to Stockwatch Trust Index research.	Highest windscreen cover in the product range at €1,050 per period of insurance, double the Comprehensive Plus limit. Full natural perils cover (storm, hurricane, flood) and strikes/riots included as standard — not available on any lower plan. New vehicle replacement guarantee: if the insured car is stolen and not recovered within 3 months, or sustains damage exceeding 50% of its official selling price within 12 months of registration, it is replaced with a brand-new vehicle. Free 24-hour Motor Assistance on all plans — immediate roadside and accident care response included in the base premium at no extra charge. Awarded Best General Sector Insurer in Cyprus at the World Finance Insurance Awards 2025 and Global Banking & Finance Awards 2025, reflecting top-tier claims handling and service standards.
IPID	IPID	IPID	Not available	IPID
Coverage
Own damage	Covered	Covered	—	Covered
Total loss	Covered	Covered	Replacement of the motor vehicle with a new one if damage exceeds 50% of its official value, applicable only within the first 12 months of purchase (Motor Plus product).	Covered
Partial loss	Covered	Covered	Covered	Covered
Theft & robbery	Covered	Covered	Covered	Covered
Glass damage	€1,200	Optional	Covered	€1,050
Natural perils	Covered	Optional	Optional	Covered
Vandalism	Covered	Optional	Optional	Covered
Roadside assistance	Covered	Covered	Covered	unlimited
Replacement vehicle	€25	Optional	Covered	€15
Driver accident	€8,500	Optional	—	Covered
Key conditions
Driver age experience limit	An additional excess is applied for young and inexperienced drivers. All drivers must hold a valid driving licence for the motor vehicle being driven and must follow the conditions of that licence.	For Third Party Plus tier: cover applies to any driver aged between 24 and 70 with over 2 years Cypriot/UK regular driving licence. Specific age/experience restrictions for the Comprehensive and Comprehensive Executive tiers are not stated in available sources.	No specific minimum driver age or experience limit is stated on the product pages. Young drivers (under 25) typically face premium surcharges in the Cyprus market. The policy covers the insured and authorised drivers as named in the policy schedule.	No-claims discount protection applies to drivers aged over 23 and under 70 years, holding a full driving licence for more than 5 years. Personal accident benefit applies to ages over 18 and under 70. The cover for driving another vehicle terminates at age 75.
Repair network requirements	No specific approved garage network requirement is stated in the IPID. Repairs must not improve the vehicle beyond its condition prior to the loss or damage.	Not explicitly stated in available sources. Full details are contained in Atlantic's relevant Insurance Policy document.	No specific approved repair network requirement is stated in the publicly available product pages. Policyholders are advised to contact the company or an authorised agent for repair instructions following a claim.	In the event of a claim, the insured must immediately call the telephone number on the insurance policy and follow the Company representative's instructions. No specific approved repairer network requirement is stated in the IPID; repair costs are assessed against reasonable market value.
Territorial scope	Coverage applies in Cyprus, including the occupied territories of Cyprus. Third party liability cover applies in any EU member state or state signatory to the Multilateral Guarantee Agreement. All other policy covers apply in EU/MGA states for up to 30 days.	Primary coverage is within the Republic of Cyprus. Third Party cover also applies in any country that has signed the Multilateral Guarantee Agreement. The Driving Other Cars benefit is limited to the Republic of Cyprus, explicitly excluding occupied areas.	All vehicle coverage is restricted to Cyprus in the areas effectively controlled by the Republic of Cyprus. Third-party liability coverage for driving a third-party vehicle is also limited to Cyprus (government-controlled areas only). Coverage does not extend beyond Cyprus borders.	Third party liability: Cyprus (excluding areas not under government control) and States which have signed Part III of the Unified Agreement. Vehicle damage cover: Cyprus only, excluding areas not under government control. Driving other vehicle cover: Cyprus only, excluding non-controlled areas.
Anti theft requirements	The policyholder must take all reasonable steps to prevent the motor vehicle and its contents from being lost or damaged, and maintain the motor vehicle in a sound condition. No specific anti-theft device requirement is stated in the IPID.	Not explicitly stated in available sources. Full details are contained in Atlantic's relevant Insurance Policy document.	No specific anti-theft device requirements are stated in the publicly available product pages for the standard Comprehensive policy.	The insured must take reasonable steps in safeguarding the vehicle and maintaining it in good condition. No specific anti-theft device requirement is stated in the IPID.
Claim notification deadline	The policyholder must notify the insurer or their intermediary as soon as reasonably possible in the event of loss or damage to the motor vehicle.	Not explicitly stated in available sources. Insured must not proceed with repairs without notifying Atlantic. Full details are contained in Atlantic's relevant Insurance Policy document.	Claims must be notified within the time limit specified in the Terms of the Insurance Policy. Notification can be made via the Mobile App, by telephone, or by written declaration at any ERB Asfalistiki office. Immediate notification is strongly recommended in the event of any loss or damage.	In the event of an occurrence which may possibly give rise to a claim, the insured must immediately call the telephone number indicated in the insurance policy and follow the Company's authorised representative's instructions. No fixed number of days is specified; immediate notification is required.
Deductible rules	An excess is applied to each and every covered loss or damage to the motor vehicle. An additional excess applies for young and inexperienced drivers. Windscreen damage under the Comprehensive tier is paid without applying any excess.	An excess applies to own damage claims; it is the amount the client will pay for own damage in case of a claim. The excess does NOT apply when a claim is made under the unlimited glass breakage extension (Comprehensive Executive). The exact excess amount is not disclosed in available sources and is determined at policy issuance.	For windshield/glass claims: no excess (deductible) is applied and the premium is not increased following a windshield claim. For other claim types, specific deductible amounts are not stated on the product pages and are subject to the individual policy schedule and terms and conditions.	A deductible applies to each claim in respect of damage to the insured vehicle (excluding windscreen damage). The exact deductible amount is specified in the individual insurance policy. No deductible applies to windscreen claims.
Proof and next steps
Direct payment policy	Claims are handled by the AIG Cyprus claims team; the process starts when the policyholder contacts the local AIG office or their broker. The insurer's dedicated claims specialists manage each case directly through to settlement.	Not explicitly stated in sources. Claims are processed through Atlantic's claims department. Insured must notify the company promptly and must not proceed with repairs without prior notification.	Claims may be notified via the ERB Asfalistiki Mobile App, by telephone, or by written declaration at any office. Payment is provided upon validated claim settlement as specified in the policy terms.	Claims are handled directly by General Insurance of Cyprus Ltd. In the event of an occurrence, the insured must immediately call the telephone number on the insurance policy and follow the Company representative's instructions.
Last verified	Jun 1, 2026	Jun 1, 2026	Jun 1, 2026	Jun 1, 2026