Ethniki Insurance (Cyprus) Ltd
Ethniki Insurance
Ethniki Insurance is a motor third-party liability insurance for the Cyprus market with no online purchase and 24/7 assistance.
Direct payment
Premium payment takes place at contract initiation and can be made via credit/debit card, internet banking, cash, remittance into the company's bank account, or direct debit, as agreed in the Premium Payment Clause of the schedule.
Geographic scope
Cyprus (nationwide)
Valid within the geographical area of Cyprus, excluding areas of the Republic that are not controlled by the Government of the Republic of Cyprus.
Unique selling points
- Cover extends to use of the vehicle anywhere within Cyprus beyond the "road" as defined by law, not just public roads.
- Road safety and accident-care assistance is included as a main cover even on this third-party-only trade policy.
- Legal costs and expenses incurred with the insurer's written consent are covered beyond the statutory liability limits.
Coverage limits
Bodily Injury / Death Liability
€38,600,000
Legal liability of the Insured or authorized driver for bodily injury to or death of any person up to €38,600,000, including emergency treatment to any person up to €35.
Property Damage Liability
€1,300,000
Legal liability of the Insured or authorized driver for damage to third-party property up to €1,300,000.
Legal Costs and Expenses
Covered
Costs and expenses incurred with the written consent of Ethniki General Insurance (Cyprus) Ltd are covered; no specific monetary limit is stated.
Green Card / International Motor Insurance Card
Excluded
Damage or liability caused outside the geographical area of Cyprus is explicitly excluded; this policy does not extend cover abroad via a Green Card.
Road Safety / Accident Care Service
Covered
Road safety services (accident care) are listed as a main cover of this policy; no monetary limit or frequency (24/7) is stated in this document.
Driver Personal Accident
No limit stated
Not listed among the Main or Optional Covers of this Third Party Liability policy; personal accident cover for the driver is not mentioned in the source document.
Passenger Personal Accident
No limit stated
Not listed among the Main or Optional Covers of this Third Party Liability policy; personal accident cover for passengers is not mentioned in the source document.
Key conditions
Territorial scope
The Third Party Liability cover is valid within the geographical area of Cyprus, excluding areas of the Republic that are not controlled by the Government of the Republic of Cyprus.
Green card rules
Damage or liability caused outside the geographical area of Cyprus is explicitly excluded from cover; the policy does not describe issuance of a Green Card for use abroad.
Driver restrictions
Cover applies only to the Insured or other Authorized Driver specified in the schedule; liability is excluded if the driver is under the influence of intoxicating liquor or drugs, or if the vehicle is used or held by an unauthorized driver. Vehicles exceeding 7200cc, steam vehicles and motorcycles are excluded from this product.
Claim notification deadline
The Insured must give notice to Ethniki General Insurance (Cyprus) Ltd with full particulars as soon as possible after any occurrence which may give rise to a claim; no specific number of days is stated.
Documents
Insurance Product Information Document: Motor Trade - Third Party Liability
IPID
Policy specifics
Third Party Liability
Legal liability coverage for bodily injury or death and property damage caused to third parties
SourceWindscreen/Window Breakage
Coverage for breakage of windscreen or windows during the period of insurance
SourceGeographical Coverage Territory
Coverage applies in Cyprus and signatory states to Part III of the Unified Agreement
SourceInsurance Proposal Requirements
Obligation to answer all insurance proposal questions honestly, clearly and completely
Source