Extracted from source documents

Ypera Casco (own-damage car insurance) (Motor Comprehensive)

Underwritten by Ypera Insurance Co Ltd · Cyprus

casco (own-damage car insurance) from Ypera for the Cyprus market, with 24/7 assistance.

Last verified Aug 24, 2026

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Key facts

Ypera

Unique selling points

Top-tier Comprehensive plans pay up to €17,500 for driver personal accident, well above the €5,000 offered on the entry-level Mini plan.

Includes a Windscreen Home Repair service, fixing glass damage at the customer's own location.

No Claim Bonus Protection safeguards the accumulated no-claims discount even after a claim is made.

Top-tier plans replace a written-off vehicle with a brand-new car if the total loss occurs within the first year of ownership.

Branded Yper-Assistance service provides dedicated 24-hour roadside and accident-scene support beyond standard road assistance.

Coverage limits

Covered

Own Damage

Covered

Covers damage to the insured vehicle from collision and accidents; included across all Comprehensive tiers (Mini, Mini2nd, Maxisafe, Maxi2nd). No monetary limit is stated on the product page.

Section: Comprehensive Insurance

Own Damage √ √ √ √

Conditional

New Vehicle Replacement (Total Loss, First Year)

Conditional

If the insured vehicle suffers a total loss within the first year of ownership, it is replaced with a brand-new vehicle. This benefit is evidenced on the top-tier package listing (Maxisafe/Maxi2nd) of the product page; no monetary cap is stated.

Section: Comprehensive Insurance

New Vehicle Replacement (for the first year) √ √

Partial Loss

No limit stated

Not distinguished as a separate coverage from Own Damage in the available source material.

Covered

Fire and Theft

Covered

Covers loss of or damage to the vehicle due to fire and theft; included across all Comprehensive tiers. No monetary limit is stated.

Section: Comprehensive Insurance

Fire and Theft √ √ √ √

Covered

Windscreen or Windows

€500 – €1K

Covers breakage of windscreen and vehicle glass. Limit is €500 on the Mini/Mini2nd tiers and €1,000 on the Maxisafe/Maxi2nd tiers; also includes a Windscreen Home Repair service.

Section: Comprehensive Insurance

Windscreen and Glass €500 €500 €1.000 €1.000 Windscreen Home Repair √ √ √ √

Conditional

Coverage of Natural Hazards

Conditional

Covers loss or damage from natural hazards. This benefit is evidenced on the top-tier package listing (Maxisafe/Maxi2nd) of the product page; no monetary limit is stated.

Section: Comprehensive Insurance

Coverage of Natural Hazards √ √

Covered

Malicious Damage

Covered

Covers damage from vandalism and malicious acts across all tiers; the higher tiers (Maxisafe, Maxi2nd) additionally include Malicious Damage Arson. No monetary limit is stated.

Section: Comprehensive Insurance

Malicious Damage √ √ √ √ Malicious Damage Arson √ √

Covered

Road Assistance / Yper-Assistance

Covered

Road Assistance and Off-the-Road (Accident Care) cover appear across all tiers; the higher tiers add the branded 24-hour Yper-Assistance roadside and accident support service.

Section: Comprehensive Insurance

Road Assistance √ √ √ √ Accident Care √ √ √ √ Yper-Assistance √ √

Optional

Replacement Vehicle

Optional

Under the ICARUS additional cover, a replacement vehicle up to 1,200 cc is provided: up to 30 days after total theft (15 days for partial theft), up to 20 days after fire, up to 15 days after a collision where repairs exceed 7 working days, and up to 20 days after a total loss.

Clause 6Page 1

Section: Motor Vehicle Insurance Policy > Additional Cover "ICARUS" > BENEFIT A - AIR AMBULANCE BY GREEK FLYING DOCTORS > 6. Replacement Vehicle

The Company in the event of loss of use shall provide the insured for his/her use a replacement vehicle up to 1,200 cc.

Covered

Personal Accidents of the Insured

€5K – €17.5K

Personal accident cover for the insured driver is €5,000 on the Mini/Mini2nd tiers and €17,500 on the Maxisafe/Maxi2nd tiers.

Section: Comprehensive Insurance

Personal Accidents of the Insured €5.000 €5.000 €17.500 €17.500

Key conditions

Driver age and experience limit

Comprehensive cover is available to any driver aged 23 to 70 holding a European driving licence for at least 4 years; named-driver options cover up to 6 drivers aged 23-70, with third-party-only cover extended to any driver aged 23-70 with a minimum of 2 years licence.

Repair network requirements

Not specified in the reviewed source material.

Anti-theft requirements

Not specified in the reviewed source material.

Claim notification deadline

Not specified in the reviewed source material.

Deductible rules

Not specified in the reviewed source material.

Direct payment

Not stated in the available sources.

Territorial scope

Coverage applies within the Republic of Cyprus government-controlled areas, with restrictions applying in areas not controlled by the government.

Documents

Motor Vehicles (Own Damage/Casco) product page (opens in a new tab)

Product page · PDF

Motor Vehicle Insurance Policy – Additional Cover "ICARUS" (01/2019) (opens in a new tab)

Terms & conditions · PDF

Policy specifics

Windscreen damage coverage

Covers breakage of windscreen and glass damage to the vehicle