Reviewed from source documents

Royal Crown Insurance Company Ltd

Royal Crown Insurance

Royal Crown Insurance is a motor casco insurance for the Cyprus market with online purchase and 24/7 assistance.

Last verified Aug 24, 2026Reviewed by: Boleron EUUnderwritten by: Royal Crown Insurance
Online purchase24/7 helpline

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.

Geographic scope

Cyprus

Republic of Cyprus (insurer licensed and incorporated in Cyprus; specific territorial extent of cover not detailed in available sources)

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.

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Total loss

No limit stated

Not found in available sources.

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Partial loss

No limit stated

Not found in available sources.

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Theft / robbery

No limit stated

Not found in available sources.

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Glass damage

No limit stated

Not found in available sources.

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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.

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Vandalism

No limit stated

Not found in available sources.

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Royal Assist roadside assistance

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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.

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Replacement vehicle

No limit stated

Not found in available sources.

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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.

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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.

Territorial scope

Republic of Cyprus (insurer licensed and incorporated in Cyprus; the specific territorial extent of cover, e.g. whether it extends beyond Cyprus, is not detailed in available sources).

Where to buy

Get a Private Car Comprehensive quote online

Documents

Private Motor Vehicle Comprehensive - Royal Crown Insurance

Product page

Open

Private Motor Vehicle Comprehensive - Important Note

Other document

Open

Private Car Comprehensive Proposal Form

Other document

Open

Private Motor Vehicles Insurance - Product Information (Greek)

Table of benefits

Open

Royal Assist - Road Assistance Services

Other document

Open

Policy specifics

Wet perils extension

Cover for hailstorm and other weather-related events available as optional extension

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Personal effects coverage

Optional cover for personal belongings inside the vehicle

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Personal accident coverage

Optional personal accident insurance for the driver

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Sum Insured based on vehicle market value

Vehicle is usually insured for comprehensive insurance at Sum Insured reflecting its market value

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Authorized drivers must be named

Authorized drivers are named on the policy

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Age restrictions for drivers

Comprehensive insurance rarely provided to drivers under 25 years old due to lack of experience

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