Gan Direct Casco (own-damage car insurance) (Casco Value Premium)

The Company indemnifies the Policyholder, up to but not exceeding the Policyholder's estimate/declared value stated in the Schedule, against loss or damage to the Motor Vehicle (other than by fire or theft) under Section Three. This own-damage benefit is included in the Value and Premium policies only; the Economic policy covers fire, explosion, lightning and theft only, and the Basic Plus (third-party only) policy does not cover own damage at all.

If the loss or damage assessed by the Company's engineer is 60% or more of the Policyholder's declared value, the Company may declare the vehicle a total loss and pay the reasonable market value at the time of damage, not exceeding the declared value, in exchange for transfer of ownership and delivery of the salvage.

For repairable damage under Section Three, the Company may at its option pay cash for the assessed loss, repair the vehicle through a repairer of its choice, or replace damaged parts/accessories, with liability limited to the reasonable market value of the vehicle and not exceeding the value stated in the Schedule.

Section Two indemnifies the Policyholder, up to the declared value, against fire, external explosion, self-ignition, lightning, burglary, theft or attempted theft of the Motor Vehicle and its accessories/spare parts. This benefit is standard across the Economic, Value and Premium policies.

Gan Direct's current motor insurance comparison table shows a standard included Windscreen Cover limit of €250 across all four tiers (Basic Plus, Economic, Value, Premium). Under the Windscreen Cover endorsement, the Company indemnifies the cost of reinstating windscreen or window glass following breakage (provided there is no further vehicle damage); a 24-hour helpline arranges repair or replacement, and the excess does not apply to this benefit. Customers can upgrade to unlimited windscreen cover as an add-on, included as standard only in the Premium policy.

Loss or damage caused by flood, storm, earthquake and other convulsions of nature is a General Exception under the base policy. Cover can be added via the 'Convulsion of Nature' endorsement (Section Three only) for an additional premium.

The base policy's General Exceptions exclude damage from strike, lock-out, riot or civil commotion unless the 'Liability for Strike, Lock-Out, Riot, Civil Commotion' endorsement is purchased for an additional premium. Gan Direct's current motor insurance comparison table shows this cover as optional (add-on) under the Value policy and included as standard only under the Premium policy.

Free 24-hour, 365-day Roadside Assistance is included with all Gan Direct motor products, covering accidents, breakdowns and windscreen replacement within the Republic of Cyprus. Enhanced services (Business Assistance, Relay recovery to any destination, Stay Mobile replacement car/transport/accommodation) are optional extras sold under the separate 24hrs Assistance Membership Plan, subject to call-out limits (max 4 per Membership Year).

A free courtesy car is provided under the Key2Key Service while the vehicle is being repaired at one of Gan Direct's Network Approved Repairers following an accident. As a separate, additional-premium endorsement ('Loss of Use of Car'), a daily cash allowance is payable under Section Three claims for the period needed to complete repairs (capped at 12 days for total loss).