Genikes Insurance Casco (own-damage car insurance) (Casco Comprehensive Plus)
Underwritten by General Insurance of Cyprus Ltd · Cyprus
casco (own-damage car insurance) from Genikes Insurance for the Cyprus market, with online purchase and 24/7 assistance.
Last verified Aug 23, 2026Sources
Unique selling points
All Genikes Insurance vehicle policies, including Comprehensive Plus, come with a free 24-hour Motor Assistance service for roadside help and on-the-spot accident care.
Comprehensive Plus includes a protected no-claims discount after a single claim as standard, with an upgrade to two-claim protection available for privately owned vehicles.
Windscreen and window glass breakage is covered up to €525 per policy year as a standard part of Comprehensive Plus, not just as a paid extra.
Policyholders can flexibly pay premiums annually or via recurring monthly instalments by card or SEPA direct debit.
Coverage limits
Own damage cover
Covered
Comprehensive Plus covers loss of or damage to the insured vehicle caused by fire, explosion, lightning or theft, and loss or damage due to collision, impact, overturning or malicious damage; the Company's liability for damage to the vehicle is restricted to its reasonable market value at the time of the loss and shall not exceed the amount specified in the policy.
Section: What is insured?
Loss of or damage to your vehicle caused by fire, explosion, lightning or theft.
Total loss settlement
Covered
Compensation for total loss of the insured vehicle is restricted to its reasonable market value at the time of the loss and shall not, under any circumstances, exceed the amount specified in the insurance policy.
Section: Are there any restrictions on cover?
The Company's liability for paying any compensation for damage to the insured vehicle is restricted to the reasonable market value of the vehicle at the time of the loss or damage and under no circumstances shall exceed the amount specified in the insurance policy.
Partial loss / damage repair
Covered
Repairs to the vehicle following partial loss or damage are covered subject to a deductible, specified in the insurance policy, payable for each claim (excluding windscreen damage).
Section: Are there any restrictions on cover?
The deductible amount which you are required to pay for each claim in respect of damage to your vehicle (excluding damage to windscreen) which is specified in the insurance policy.
Theft cover
Covered
Loss of or damage to the insured vehicle caused by theft is covered, subject to the reasonable market value cap described above.
Section: What is insured?
Loss of or damage to your vehicle caused by fire, explosion, lightning or theft.
Windscreen / window glass cover
€525
Cover for breakage of the windscreen or window glass of the vehicle during any one Period of Insurance is limited to €525 in aggregate.
Section: Are there any restrictions on cover?
The cover for breakage of windscreen/window during any one Period of Insurance, is limited to the amount of €525.
Natural perils cover
Excluded
Comprehensive Plus does not include cover against natural hazards; this benefit is only provided under the higher Comprehensive Superior plan.
Section: Our Plans
It also provides cover against natural hazards, strikes, riots, loss of personal effects, personal accident of the Insured and/or spouse and replacement of the vehicle with new (for private vehicles only).
Malicious damage / vandalism cover
Covered
Loss or damage to the vehicle due to collision, impact, overturning or malicious damage is covered under Comprehensive Plus.
Section: What is insured?
Loss or damage to your vehicle due to collision, impact, overturning, malicious damage.
24-hour roadside assistance
Covered
All Genikes Insurance vehicle policies, including Comprehensive Plus, provide free 24-hour Motor Assistance for roadside assistance and accident care.
Section: What is insured?
24h road assistance and accident care.
Replacement vehicle
No limit stated
A replacement vehicle service is not provided. Comprehensive Plus instead offers a separate loss-of-use benefit (see product_specific_constraints) compensating for the days the vehicle is off the road for repairs, limited to 7 days for private vehicles.
Driver/passenger personal accident cover
Excluded
Personal accident cover for the insured and/or spouse is not part of Comprehensive Plus; it is offered as an optional add-on under the Third Party Fire and Theft Plus plan and is included as standard only in Comprehensive Superior.
Section: Our Plans
You can also opt to add cover for a trailer and personal accident cover for the insured and/or spouse.
Key conditions
Driver age and experience limit
The protected no-claims discount applies only to one claim not exceeding €5,000 within the last five years, submitted by a driver aged over 23 and under 70 years who has held a driving licence (other than a learner's licence) for more than five years. Separately, the cover for driving another vehicle terminates when the policyholder turns 75 years of age.
Repair network requirements
Not specified in the product documentation.
Anti-theft requirements
Not specified in the product documentation.
Claim notification deadline
In the event of an occurrence that may give rise to a claim, the policyholder must call immediately the telephone number indicated in the insurance policy and follow the Company's instructions.
Deductible rules
A deductible, specified in the insurance policy, is payable for each claim in respect of damage to the vehicle, excluding damage to the windscreen.
Direct payment
The GIC (Genikes Insurance / General Insurance of Cyprus) Comprehensive motor (Casco) policy wording does not guarantee automatic direct settlement with the garage. Instead, the Company's own terms state that it has the right to choose, at its discretion, either to pay the policyholder a monetary amount for the loss or damage, or to repair, reinstate, or replace the vehicle (or its parts/accessories) itself. In practice this means GIC may arrange and pay for the repair directly (which can function as a de facto direct settlement with the repairer), or alternatively indemnify the insured in cash, with the choice of method resting with the insurer rather than being a contractual guarantee of direct-to-garage payment.
Territorial scope
Vehicle damage cover applies only in Cyprus, excluding areas where the Republic of Cyprus does not exercise effective control; third-party liability cover extends to Cyprus (same exclusion) and to states that have signed Part III of the Unified Agreement.
Documents
Policy specifics
Windscreen cover
Comprehensive Plus includes windscreen cover up to €525 in aggregate per period of insurance
SourcePage 2Section: Are there any restrictions on cover?
The cover for breakage of windscreen/window during any one Period of Insurance, is limited to the amount of €525.
Loss of use of vehicle
Comprehensive Plus covers loss of use for up to 7 days (private vehicles only)
SourceSection: Our Plans
as well as loss of use of the vehicle (for up to seven days – for private vehicles only).
Protected no claims discount
Comprehensive Plus provides protected no claims discount after one claim
SourceSection: Our Plans
It also provides protected no claims discount after one Claim.
Collision and malicious damage cover
Comprehensive Plus covers loss or damage to vehicle due to collision, impact, overturning and malicious damage, in addition to fire, explosion, lightning and theft
SourceSection: Our Plans
cover for loss or damage to the vehicle due to collision, impact, overturning and malicious damage over and above damages caused by fire, explosion, lightning and theft
24-hour Motor Assistance service
All Genikes Insurance vehicle policies provide free 24-hour Motor Assistance for roadside assistance and accident care
SourceSection: Our Plans
All Genikes Insurance vehicle policies provide a free 24-hour service for whatever happens to you on the road via Motor Assistance which provides immediate assistance for any mechanical fault or in the event of a road traffic accident.
Optional trailer cover
Comprehensive Plus allows optional addition of trailer cover and enhanced no claims discount protection (two claims for private vehicles)
SourceSection: Our Plans
You can also opt to add cover for a trailer and protected no claims discount after two Claims (only for vehicles belonging to private individuals).
Private vehicle only restriction
Loss of use benefit and certain other coverages apply only to private vehicles
SourceSection: Our Plans
as well as loss of use of the vehicle (for up to seven days – for private vehicles only).
Cyprus geographic coverage limit
Coverage is provided in Cyprus, excluding areas where the Republic of Cyprus does not exercise effective control
SourcePage 2Section: Where am I covered?
In respect of Insurance of the Vehicle: Only in Cyprus, excluding the areas of the Republic of Cyprus in which the government of the Republic of Cyprus does not exercise effective control.
Sources
- genikesinsurance.com.cyhttps://www.genikesinsurance.com.cy/contentassets/88478a3ab0e2491087b4bff969d7f343/ipid_motor-comprehensive-plus_en_102024.pdf#page=1(opens in a new tab)
- genikesinsurance.com.cyhttps://www.genikesinsurance.com.cy/contentassets/88478a3ab0e2491087b4bff969d7f343/ipid_motor-comprehensive-plus_en_102024.pdf#page=2(opens in a new tab)
- genikesinsurance.com.cyhttps://www.genikesinsurance.com.cy/en-gb/homepage/personal/Motors/Motor-Insurance/(opens in a new tab)
Genikes Insurance Casco (own-damage car insurance)