GRAWE Cyprus Casco (own-damage car insurance) (Casco Comprehensive)

Part III (Comprehensive Cover) compensates the Policyholder for loss or damage to the Vehicle and its attached parts/accessories caused directly by causes other than fire, attempted arson, self-ignition, lightning, explosion, theft or attempted theft (which are covered under Part II). This Part only applies if included in the Policy Schedule, for the specified Insured/Deductible Amounts, and the Company may settle by cash payment per an assessor's estimate, by repair, or by replacement.

In case of total loss, compensation is settled at the lower of the value declared by the Policyholder (Insured Value in the Schedule) or the reasonable market value of the Vehicle at the time of loss.

For partial damage, the Company may pay the loss amount per an appointed motor assessor's estimate, restore the Vehicle by repair or replacement of parts at a repairer of the Company's choice, subject to the Deductible and Insured Amounts stated in the Schedule.

Part II covers loss of or damage to the Vehicle caused by theft or attempted theft, in addition to fire, attempted arson, self-ignition, lightning and explosion; a police report and cooperation with the Company are required immediately following any theft.

Standalone windscreen damage is excluded from the base Parts II and III cover and is only available as an optional Additional Act (endorsement no. 5, Windscreen) that must be specifically added to the Schedule with its own Insured Amount.

Loss or damage caused by flood, hurricane, storm, tempest, hailstorm, hail, cyclone, tornado, volcanic eruption, earthquake, or other convulsion of nature (item 6) is listed among the exclusions applying to all Parts of the Policy (including Parts II and III), and is therefore not covered under this product. Confirmed against the full numbered exclusion list (items 1-6: war, terrorism, strike/riot, nuclear material, ionising radiation, natural perils).

Part III compensates for loss or damage to the Vehicle caused directly by causes other than fire/theft (covered by Part II). Ordinary malicious damage/vandalism by individuals is not among the named perils reserved for Part II, nor among the general exclusions (war, terrorism, strike/riot/civil commotion, nuclear/radiation, natural perils) or the Parts II/III specific exclusions (depreciation, wear and tear, mechanical/electrical breakdown), so it falls within the broad own-damage cover of Part III, subject to the Insured/Deductible Amounts in the Schedule. Note: damage arising specifically from strikes, riots or civil commotion is excluded under the general exclusions.

GRAWE provides a dedicated roadside assistance and accident care line (8000 4040) for all policyholders who have insured their vehicle with GRAWE within Cyprus, covering accidents and mechanical breakdowns; the claim notification procedure requires immediate notification to the AUTOHELP service. This roadside assistance is not offered while outside the geographical area of Cyprus, where the policyholder must bear the cost themselves (usually prepaid by credit card), and own-damage claims are not payable abroad.

No replacement vehicle / courtesy car benefit could be confirmed among the Parts, Additional Acts, or general terms of the Vehicle Insurance Policy wording reviewed; the Additional Acts (Πρόσθετη Πράξη) are individually numbered per Schedule and were only partially enumerable from available excerpts (nos. 10, 11, 13 confirmed as Windscreen, Tyres, Loss of Personal Items).