CNP Asfalistiki
CNP ASFALISTIKI is a motor third-party liability insurance for the CY market with no online purchase and 24/7 assistance.
Direct payment
Not explicitly stated on the official product page. Policies are purchased through CNP Asfalistiki offices or licensed insurance agents.
Geographic scope
CY
Cyprus, in the areas effectively controlled by the Republic of Cyprus. Extension for driving other vehicles is limited to Cyprus only.
Unique selling points
- 24/7, 365-day Road Assistance and Accident Care Services are included as standard, provided by independent specialist providers.
- Legal liability is extended to cover the insured driving other (non-owned, non-rented, non-employer-owned) vehicles in Cyprus, beyond the base insured vehicle.
- Premium protection feature: following a claim, the premium is maintained at the same level, preventing post-claim surcharges.
- Coverage extends beyond the legal definition of 'road', providing protection for certain off-road or non-standard-road vehicle uses.
- Passenger liability is included as standard, covering legal liability of passengers to indemnify third parties while in the insured vehicle.
Coverage limits
Bodily Injury Liability
Covered
Legal liability for the compensation of damages (bodily injury or death) to third parties in Cyprus (in the areas effectively controlled by the Republic of Cyprus). The statutory minimum limit per event is €38,600,000 for bodily injury or death.
Property Damage Liability
Covered
Legal liability for compensation of third-party property damage caused by the insured vehicle in Cyprus. The statutory minimum limit per event is €1,300,000 for property damage.
Legal defence
Excluded
Legal defence (νομική υπεράσπιση) is not listed as a standard cover in CNP Asfalistiki MTPL (Third Party Liability) product. It does not appear in the TPL, comprehensive, or Motor Plus product pages as an included or optional cover under the MTPL tier.
Green Card (International Motor Insurance Certificate)
Optional
The standard policy provides legal liability coverage in Cyprus only (areas under effective control of the Republic of Cyprus). A Green Card (International Motor Insurance Certificate) can be requested from the insurer free of charge for coverage in non-EU countries participating in the Green Card system. Since January 2025, a digital Green Card displayed on a phone screen is legally valid. Coverage for driving other vehicles applies in Cyprus only.
Road Assistance and Accident Care Services
Covered
Provision of Road Assistance and Accident Care Services by independent providers, available 24 hours a day, 365 days a year.
Medical Cover for Drivers
Optional
Medical Insurance coverage for the insured and the authorized drivers of the insured vehicle following a motor accident, and/or medical coverage of the insured or other drivers specified while driving any motor vehicle (excluding motorcycles, buses, lorries or special types of vehicle) following a motor accident.
Passenger Liability
Covered
Legal liability of passengers to indemnify third parties for damage or injury caused by the passenger while in or upon the motor vehicle. Passengers who are unlawfully carried are excluded.
Key conditions
territorial_scope
Coverage applies in Cyprus only, in the areas effectively controlled by the Republic of Cyprus. The extension for legal liability while driving other vehicles also applies in Cyprus only. Excluded from coverage are areas not under effective control of the Republic of Cyprus.
green_card_rules
The standard policy covers Cyprus only (areas effectively controlled by the Republic of Cyprus). For travel to other countries participating in the Green Card system — including EU/EEA member states, Andorra, Serbia, and Switzerland — a Green Card (International Motor Insurance Certificate) must be requested from the insurer. Since January 2025, a digital Green Card displayed on a phone screen is legally valid. Policyholders should contact CNP Asfalistiki to arrange coverage before travelling abroad.
driver_restrictions
Coverage extends to the insured and all authorized drivers of the insured vehicle. The extension for driving other vehicles excludes motorcycles, buses, lorries, or special type vehicles, and does not apply to vehicles belonging to the insured's employer or partner, or rented vehicles. Any passenger unlawfully carried is excluded from coverage.
claim_notification_deadline
Specific claim notification deadlines are not published on the official product page. Policyholders should notify CNP Asfalistiki promptly following any incident. The general limitation period for MTPL claims in Cyprus is 3 years from the date of the accident, extendable by a judge if considered just and equitable.
bonus_malus_rules
Cyprus requires insurers to apply a merit-rating (bonus-malus) system, but there is no centralised statutory scale mandating specific discount percentages or step-back rules. Each insurer, including CNP Asfalistiki, applies its own bonus-malus ladder at its discretion. Claim-free years typically earn premium discounts, while claims result in a step-back on the insurer's internal scale. Recognition of no-claims records earned in other EU countries is at the insurer's discretion.
Policy specifics
Medical Insurance Coverage for Drivers
Medical Insurance coverage provided to the insured and authorized drivers of the insured vehicle following a motor accident, with extensions available for coverage while driving other vehicles
Windscreen and Window Breakage Coverage
Coverage of breakage of the windscreen and other windows, with premium protection maintained at the same cost following a claim submission
Motor Vehicle Towing and Damage Compensation
Compensation for damages while the motor vehicle is being towed, covering third-party liability arising during towing operations
Coverage Beyond Standard Road Use
Use of the motor vehicle that extends beyond the scope of the legal definition of the term 'road' is explicitly covered
Legal Liability of Passengers to Indemnify Third Parties
Legal liability of passengers to indemnify third parties for damage or injury caused by the passenger while in the vehicle
Coverage While Driving Other Vehicles
Legal liability of the insured to indemnify third parties related to driving any other vehicle (excluding motorcycles, buses, lorries or special type vehicles) not belonging to him/her, his/her employer or partner and not rented to them
Road Assistance and Accident Care Services
Provision of Road Assistance and Accident Care Services by independent providers, available 24 hours a day, 365 days a year
Premium Protection Following a Claim
Protection of premium as a result of a claim, indicating a benefit that mitigates or prevents premium increases following claims
Geographic Scope of Coverage
Coverage applies in Cyprus in the areas effectively controlled by the Republic of Cyprus. Extension of coverage available for driving other vehicles in Cyprus only
Exclusion: Unlawfully Carried Passengers
Any passenger who is unlawfully carried in or upon the motor vehicle is excluded from coverage under this policy
Exclusion: Insured's Own Property
Property belonging to or in the possession, custody or control of the Insured or any person claiming to be indemnified under this policy or a member of their household is excluded
Wide Range of Basic and Optional Coverage
The product includes both basic mandatory coverage (as required by law) and a wide range of optional coverage enhancements that can be selected by the insured