Royal Crown Insurance Casco (own-damage car insurance) (Private Motor Vehicle Comprehensive)
Underwritten by Royal Crown Insurance · Cyprus
casco (own-damage car insurance) from Royal Crown Insurance for the Cyprus market, with online purchase and 24/7 assistance.
Last verified Aug 24, 2026Sources
Key facts
- Royal Crown Insurance
Unique selling points
Royal Assist provides 24/7/365 roadside assistance covering 3 services per insurance period, including free trailer transport of an immobilised vehicle to a service centre of the policyholder's choice.
The comprehensive product is offered as two configurable plans, letting drivers select the level of cover that best fits their own financial priorities.
Royal Crown Insurance's quality procedures and practices are certified to ISO 9001-2015 by Lloyd's Register Quality Assurance.
Royal Crown remains part of the global Royal & SunAlliance network and enjoys the support of some of the most financially robust European reinsurance companies.
Coverage limits
Own damage cover
Covered
Comprehensive cover compensates the policyholder for damage caused to their own vehicle following an accident, even where the policyholder is not at fault.
Section: Private Motor Vehicle Comprehensive
If you choose one of our plans, you will feel absolutely secure in the event of an accident that causes damage to your vehicle, because we will step in to compensate you, even if you are not responsible.
Theft / robbery
Covered
Loss of or damage to the vehicle due to fire or theft is part of the basic cover of both comprehensive plans (Principal and Imperial).
Section: Principal > Basic cover
Loss of or damage to vehicle due to fire or theft
Glass damage
€200 – €855
Windscreen cover is optional up to €200 under the Principal plan and included up to €855 under the Imperial plan.
Section: Principal > Optional Covers
Windscreen €200
Natural perils / wet perils extension
Optional
Cover for hailstorm and other weather-related events is available as an optional extension, recommended particularly due to climate change impacts in Cyprus.
Section: READ YOUR INSURANCE POLICY WORDINGS – PART II – AT RENEWAL TIME
Look at the extensions available – Wet perils (cover for hailstorm and other weather-related events) should be included in your Comprehensive Policy, as we adjust to the effects of Climate Change.
Royal Assist roadside assistance
—
Royal Assist is available 24 hours a day, 365 days a year, and covers 3 services during the Period of Insurance, including transportation of an immobilised vehicle by trailer to the policyholder's preferred service centre in their province of residence, or to their place of residence, free of charge.
Section: Royal Assist
Royal Assist covers 3 services during the Period of Insurance, and can arrange the transportation of your immobilised vehicle using state-of-art trailer, to the service centre of your preference in your province of residence, or your place of residence free of charge.
Personal accident cover for driver
Optional
Optional personal accident insurance for the driver is available as an add-on to the comprehensive policy for a small extra premium, providing compensation if the driver is involved in an accident.
Section: WHY DO I PAY MORE FOR MY CAR INSURANCE? (AND WHY I WOULD CHOOSE TO PAY MORE!)
Comprehensive Motor Insurance Policies – if you look – contain some hidden “perks” – such as covers for personal effects, or personal accident….. Check with your Insurers.
Key conditions
Driver age and experience limit
Comprehensive cover is rarely provided to drivers under 25 due to lack of experience; where the policy covers any driver (no named drivers), the standard prerequisite is that any driver be between 25 and 70 years old, with premiums increasing after age 70.
Direct payment
Royal Crown Insurance's publicly available materials for the Private Motor Vehicle Comprehensive (Casco) plan do not include a separately published, downloadable full Terms & Conditions/IPID that explicitly states a direct-settlement clause. The company's own product and 'Royal Assist' pages describe that, following an accident or breakdown, Royal Crown arranges and pays directly for towing/transportation of the immobilised vehicle to the repair centre of the policyholder's choice, free of charge, and that qualified staff attend the accident scene to assist. However, no explicit statement was found on whether the insurer settles vehicle repair costs directly with the garage/repairer or reimburses the policyholder afterwards; this detail is only set out in the full policy wording provided directly by Royal Crown to policyholders, which is not published on their website.
Territorial scope
Republic of Cyprus (insurer licensed and incorporated in Cyprus; specific territorial extent of cover not detailed in available sources)
Documents
Private Motor Vehicle Comprehensive - Royal Crown Insurance (opens in a new tab)
Product page · PDF
Private Motor Vehicle Comprehensive - Important Note (opens in a new tab)
Other document · PDF
Private Car Comprehensive Proposal Form (opens in a new tab)
Other document · PDF
Private Motor Vehicles Insurance - Product Information (Greek) (opens in a new tab)
Table of benefits · PDF
Royal Assist - Road Assistance Services (opens in a new tab)
Other document · PDF
Policy specifics
Wet perils extension
Cover for hailstorm and other weather-related events available as optional extension
SourceSection: READ YOUR INSURANCE POLICY WORDINGS – PART II – AT RENEWAL TIME
Look at the extensions available – Wet perils (cover for hailstorm and other weather-related events) should be included in your Comprehensive Policy, as we adjust to the effects of Climate Change.
Personal effects coverage
Optional cover for personal belongings inside the vehicle
SourceSection: WHY DO I PAY MORE FOR MY CAR INSURANCE? (AND WHY I WOULD CHOOSE TO PAY MORE!)
Comprehensive Motor Insurance Policies – if you look – contain some hidden “perks” – such as covers for personal effects, or personal accident….. Check with your Insurers.
Personal accident coverage
Optional personal accident insurance for the driver
SourceSection: WHY DO I PAY MORE FOR MY CAR INSURANCE? (AND WHY I WOULD CHOOSE TO PAY MORE!)
Comprehensive Motor Insurance Policies – if you look – contain some hidden “perks” – such as covers for personal effects, or personal accident….. Check with your Insurers.
Sum Insured based on vehicle market value
Vehicle is usually insured for comprehensive insurance at Sum Insured reflecting its market value
SourceSection: READ YOUR INSURANCE POLICY WORDINGS – PART II – AT RENEWAL TIME
A vehicle is usually insured (for comprehensive insurance) for a Sum Insured reflecting its market value.
Authorized drivers must be named
Authorized drivers are named on the policy
SourceSection: READ YOUR INSURANCE POLICY WORDINGS – PART II – AT RENEWAL TIME
Drivers – authorised drivers are named on your Policy. Should you wish to add or remove anyone, the company/ intermediary should be informed before renewal.
Age restrictions for drivers
Comprehensive insurance rarely provided to drivers under 25 years old due to lack of experience
SourceSection: THE AGE FACTOR IN MOTOR INSURANCE or IS IT REALLY ELDERLY ABUSE WHEN INSURANCE COMPANIES INCREASE PREMIUMS FOR DRIVERS 70+?
It is very rare for any company to provide comprehensive insurance cover to a driver under 25 y.o., due to their lack of experience.
Sources
- royalcrowninsurance.comhttps://www.royalcrowninsurance.com/uncategorised/read-your-insurance-policy-wordings-part-ii-at-renewal-time/(opens in a new tab)
- royalcrowninsurance.comhttps://www.royalcrowninsurance.com/uncategorised/the-age-factor-in-motor-insurance-or-is-it-really-elderly-abuse-when-insurance-compenies-increase-premiums-for-drivers-70/(opens in a new tab)
- royalcrowninsurance.comhttps://www.royalcrowninsurance.com/uncategorised/why-do-i-pay-more-for-my-car-insurance/(opens in a new tab)
Royal Crown Insurance Casco (own-damage car insurance)