AIG Motor third-party liability (Road Star)
Underwritten by AIG Europe S.A. (Cyprus Branch) · Cyprus
motor third-party liability insurance from AIG for the Cyprus market, with 24/7 assistance.
Last verified Aug 23, 2026Sources
Unique selling points
One of the few Cyprus motor policies that explicitly covers loss or damage to the vehicle in the occupied territories of Cyprus.
Accidental windscreen damage covered up to €1,200 without any excess applying under Comprehensive cover.
Loss of use extension pays €25 per day for up to 10 days following an approved claim.
New motor vehicle replacement benefit applies to vehicles less than a year old.
Round-the-clock road assistance and accident assistance are included as standard within the Third Party Liability section of the policy.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Legal defence cover
No limit stated
No standalone legal defence/legal expenses cover is mentioned in the IPID or official product pages checked.
Green Card
No limit stated
The term 'Green Card' is not used in the sources; instead the IPID states that third party liability cover extends to all EU member states and states signatory to the Multilateral Guarantee Agreement.
Section: Where am I covered?
In any member state of the European Union or any other state signatory to the Multilateral Guarantee Agreement, in respect of the third party liability cover required by law.
24-hour road and accident assistance
Covered
24 hours road assistance and 24 hours accident assistance included as part of the Third Party Liability cover section; road and accident assistance is provided by a contracted company on a public road in an area controlled by the government of the Republic of Cyprus or the Sovereign Base Area.
Section: What is insured? > 3. Third Party Liability cover
24 hours road assistance. 24 hours accident assistance
Personal accident to authorised driver
€8.5K
Personal accident to an authorised driver up to €8,500 for certain bodily injuries set out in the policy.
Section: What is insured? > 3. Third Party Liability cover
Personal accident to an authorized driver €8,500 for certain bodily injuries set out in the policy.
Medical expenses of authorised driver and passengers
€850
This is a combined medical-expenses limit of up to €850 shared between the authorised driver and passengers (not a separate per-passenger personal accident benefit); it is distinct from the €8,500 personal accident benefit that applies only to the authorised driver.
Section: What is insured? > 3. Third Party Liability cover
Medical expenses of authorized driver and passengers up to €850.
Key conditions
Driver restrictions
All drivers must hold a valid driving licence for the Motor Vehicle being driven and follow the conditions of that licence; cover excludes use by any person not specified as an authorised driver on the policy schedule, and excludes any accident where the driver did not hold a valid licence.
Claim notification deadline
The policyholder must notify AIG or their intermediary as soon as reasonably possible in the event of loss or damage to the Motor Vehicle.
Bonus-malus rules
No statutory bonus-malus scale is detailed in the sources; an optional 'Protection of your no claim bonus discount' add-on can be purchased for additional premium, protecting the no-claim discount for up to 2 claims within a period of 3 years.
Territorial scope
In Cyprus, including the occupied territories of Cyprus for own-damage cover; in any EU member state or state signatory to the Multilateral Guarantee Agreement for the third party liability cover required by law; other covers extend for up to 30 days in EU/Multilateral Guarantee Agreement states.
Documents
Policy specifics
Coverage in occupied territories of Cyprus
Distinctive standard feature: policy explicitly covers loss or damage to Motor Vehicle in occupied territories of Cyprus, which most other Cyprus motor policies exclude
SourceSection: Our Solutions > Private Auto Insurance
One important feature of our policy is that it does not exclude driving in the occupied areas of Cyprus.
Wide Coverage Optional Add-on
Included in Comprehensive cover per the IPID: windscreen damage up to €1,200 (no excess), key/lock replacement up to €250, personal belongings up to €170, natural and social perils, loss of use €25/day up to 10 days
SourceSection: Our Solutions > Private Auto Insurance
Wide Coverage is optional and includes: Breaking of glass in the windscreen or the window, locks and keys, rugs, clothing or personal items, strike, riot and civil commotion, natural perils, loss of use of the insured car.
New for Old Optional Cover
New motor vehicle replacement for vehicles less than a year old (listed in the IPID under Comprehensive cover)
SourceSection: Our Solutions > Private Auto Insurance
Other available optional covers include new for old and no claim protection.
No Claim Protection Optional Cover
Optional cover (additional premium) protecting the no claim bonus discount for up to 2 claims within a period of 3 years
SourceSection: Our Solutions > Private Auto Insurance
Other available optional covers include new for old and no claim protection.
Policy language availability
Policies are written in both clear Greek and English language, with both language versions available for IPID documentation
SourceSection: Our Solutions > Private Auto Insurance
Policies are written in clear Greek or English language.
Three coverage tier options
Product structure offers three distinct coverage options: Comprehensive cover, Third Party Liability + Fire & Theft cover, and Third Party Liability cover only
SourcePage 1Section: What is this type of insurance?
There are three options available, the Comprehensive cover, the Third Party Liability, Fire & Theft cover and the Third Party Liability cover.
European Union and international territorial coverage
Third party liability cover extends to all EU member states and states signatory to the Multilateral Guarantee Agreement; other covers extend for up to 30 days in EU and signatory countries
SourcePage 2Section: Where am I covered?
In any member state of the European Union, or any other state signatory to the Multilateral Guarantee Agreement for up to 30 days, in respect of any other covers of your Policy.
Sources
- aig.com.cyhttps://www.aig.com.cy/content/dam/aig/emea/cyprus/documents/brochures/ipid-auto.pdf#page=1(opens in a new tab)
- aig.com.cyhttps://www.aig.com.cy/content/dam/aig/emea/cyprus/documents/brochures/ipid-auto.pdf#page=2(opens in a new tab)
- aig.com.cyhttps://www.aig.com.cy/individuals/private-auto(opens in a new tab)