INTERAMERICAN Hellenic Insurance Company S.A., Cyprus Branch (trading as Anytime / Anytime by INTERAMERICAN)
Anytime Online by INTERAMERICAN
Anytime Online by INTERAMERICAN is a motor third-party liability insurance for the Cyprus market with online purchase and 24/7 assistance.
Direct payment
For covered windscreen/glass claims Anytime settles directly with the repairer with no upfront cost to the insured beyond any applicable excess; for other claims the insured must notify the company immediately and submit a written accident report within 8 working days.
Geographic scope
Republic of Cyprus (whole country)
Cover applies in the Republic of Cyprus and in the Sovereign Base Areas of the United Kingdom in Cyprus; the mandatory third-party liability extends to states signatory to the Green Card / Council of Bureaux system, including EU member states.
Unique selling points
- Roadside assistance is included on every tier and covers incidents in both Cyprus and Greece, not just the home market.
- 24/7 on-scene accident care team that photographs the scene, gathers witness details and helps complete the accident report on the spot.
- Covered windscreen and glass claims are settled directly with the repairer with no upfront cash outlay by the customer.
- The Smart Drive telematics program rewards safe driving behaviour with premium discounts on renewal via a mobile app-based score.
- Fully digital, self-service purchase and policy management through the anytimeonline.com.cy website and the my anytime portal.
Coverage limits
Bodily Injury Liability
€38,600,000
Legal liability for bodily injury caused to third parties by use of the insured vehicle, up to €38,600,000 per incident.
Property Damage Liability
€1,300,000
Legal liability for material damage caused to third parties by use of the insured vehicle, up to €1,300,000 per incident.
Legal Defence Cover
No limit stated
No separate legal defence/legal expenses cover is described for this product in the reviewed sources.
Green Card
Covered
The IPID states third-party liability cover extends to use of the vehicle in states signatory to the Green Card / Council of Bureaux Internal Regulations, but no separate Green Card coverage limit or fee is stated.
Roadside Assistance
Covered
24-hour roadside assistance in Cyprus and Greece for breakdowns and accidents, including on-site help, vehicle towing to a repair shop or a location of the insured's choice, included in all programs and tiers (Economic, Value, Premium) of Auto, Truck and Smart Drive.
Driver Personal Accident
€10,000
Only in Value, Premium
Covers the driver of the insured vehicle for an accident during driving resulting in death or bodily injury; fixed limit of €10,000 for death and percentage-based compensation for injury. Included only in the Value and Premium tiers, not in Economic.
Passenger Liability
Covered
Covers liability towards any passenger lawfully carried in or entering/exiting the insured vehicle; this liability is included within, not additional to, the third-party liability limits (€38,600,000 bodily injury / €1,300,000 property damage), applied once per incident.
Key conditions
Territorial scope
Cover applies in the Republic of Cyprus and the UK Sovereign Base Areas in Cyprus; mandatory third-party liability also covers use of the vehicle in states signatory to the Green Card/Council of Bureaux Internal Regulations, including EU member states.
Green card rules
The IPID states that third-party liability cover provides cover for use of the vehicle in any state signatory to the Internal Regulations of the Green Card system; no separate Green Card issuance fee or limit is specified in the reviewed sources.
Driver restrictions
Standard Drive programs cover the main driver and any other named driver aged 25-80 with a valid driving licence held for more than 2 years, without needing to be named; if a driver under 25 is declared, any driver aged 18-80 is covered. Learner and international driving licences are not accepted.
Claim notification deadline
The insured must notify the company immediately of any incident, at the latest the next working day, via the 24-hour helpline, and must submit a detailed written accident report within 8 working days.
Bonus-malus rules
No traditional bonus-malus (no-claims discount) scale is stated in the reviewed sources; the Smart Drive line instead applies a 'Pay How You Drive' model, adjusting the renewal premium based on a telematics-derived driving score rather than claims history.
Where to buy
Documents
Insurance Product Information Document - ANYTIME AUTO
IPID
Pre-contractual Information Document (Ενημερωτικό Έντυπο) - Motor Insurance
Other document
Motor Insurance product page (Standard Drive & Smart Drive)
Other document
Motor Insurance Terms Handbook (05.2018 Edition)
Terms & conditions
Policy specifics
Personal Accident Cover
Coverage for death or personal injury of driver with fixed limit of €10,000 for death and percentage-based compensation for injuries
SourceWrong Fuel Misfueling Cover
Coverage for costs of cleaning and draining vehicle fuel tank when wrong fuel is injected, up to €250 when refueling at lawfully operating gas stations
SourceWindscreen and Glass Damage Cover
Optional coverage for damage to windscreen and glass damage including side windows and rear windows
SourceRoad Assistance Cover
24-hour roadside assistance for breakdowns and accidents in Cyprus and Greece, including mobile repair crew dispatch and vehicle transportation
SourceAuthorized Driver Age Restrictions
Authorized drivers other than the insured must be aged 25-80 years with regular driving license held for at least 2 years
SourceThird Party Liability Coverage (Mandatory)
Third party liability cover is legally mandatory for all vehicles including trailers towed by the insured vehicle, covering driver and passenger liability
SourceTheft Claim Waiting Period
Theft claims are covered only 28 days after the date vehicle is reported as stolen to the company
SourcePolicy Language Requirement
Insurance policy documents and consumer information are provided in Greek as the standard language
Source