Eurosure Motor third-party liability (Mtpl Standard)
Underwritten by Eurosure Insurance Company Ltd · Cyprus
motor third-party liability insurance from Eurosure for the Cyprus market.
Verified Aug 24, 2026 · Terms dated 2010-03-01Sources
Key facts
- Eurosure
Unique selling points
No premium loading is applied following a single third-party liability claim, unless more than one claim is submitted within any consecutive two-year period (Endorsement 130).
Cover extends automatically to EU Member States under the Multilateral Guarantee Agreement without requiring a physical Green Card.
A dedicated toll-free 'Eurosure Direct' line (800 22030) is available for policyholder service alongside the standard head office contact numbers.
Optional Road Assistance and Accident Care services can be added, provided through a dedicated sub-contractor network while the vehicle is in use.
Backed by over three decades of operation since incorporation in 1991 and a panel of international treaty reinsurers including Swiss Re and SCOR Re.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Covered
Legal Representation and Defence
Covered
The Company may, at its own option, arrange for representation at any inquest or fatal inquiry and undertake the defence of proceedings in any Court of Law in respect of any act or alleged offence relating to an event which may be the subject of indemnity under the Policy. The Company also pays all costs, interest and expenses incurred with its written consent. No separate monetary limit is stated; this cover forms part of the overall Limits of Liability.
Section: LIABILITY TO THIRD PARTIES – (continued) > 5. Representation and Defence
The Company may at its own option a) arrange for representation at any inquest or fatal inquiry in respect of any death which may be the subject of Indemnity under this Policy b) undertake the defence of proceedings in any Court of Law in respect of any act or alleged offence causing or relating to any event which may be the subject of Indemnity under this Policy
Green Card / International Motor Insurance Card
Conditional
Cover automatically extends, without need for a physical Green Card, to the territory of EU Member States applying Compulsory Third Party Liability Insurance provided those States have countersigned the Multilateral Guarantee Agreement. Cover for the territory of other States where Foreign Bureaux of International Insurance are registered under the Uniform Agreement (the 'Green Card' system) applies only subject to the relative Endorsement being issued by the Company.
Section: LIABILITY TO THIRD PARTIES > 2. Indemnity to the Insured and to any other Authorised Driver in the territory of any State except in the territory of Cyprus
which has signed the Multilateral Guarantee Agreement with the Cyprus International Insurance Bureaux or where the Foreign International Insurance Bureau is registered and provided that the Company has signified its agreement by the issue of an endorsement in consideration of an Additional Premium
Breakdown and Road Assistance
Optional
Endorsement No. 120 extends the Policy to include Breakdown and Road Assistance services provided by an independent Sub-Contractor while the Insured Motor Vehicle is found on a 'Road'. Details of the services, terms and conditions are given to the Insured separately. Eurosure and/or its Managers and/or Insurance Intermediaries accept no liability for the acts, errors, omissions or negligence of the Sub-Contractor providing this service. This Endorsement applies only if indicated in the Policy Schedule.
Section: ENDORSEMENT NO. 120-BREAKDOWN AND ROAD ASSISTANCE
It is hereby clarified that the policy has been extended to include Breakdown and Road Assistance, the services of which are provided by a Sub-Contractor and the details of whom together with their services, terms and conditions have been provided to the Insured, whilst the Insured Motor Vehicle is found on a "Road".
Personal Accident Cover to the Authorised Driver
€4.5K
Endorsement No. 101/101X indemnifies any Authorised Driver, on a scale of benefits (100% for death, permanent total disablement, or loss of sight in both eyes; 50% for loss of sight in one eye, etc.), for death or bodily injury sustained on a 'Road' while driving the insured Motor Vehicle, up to the Limit stated in the Schedule. The Proposal Form's suggested default limit for the Third Party Liability policy is €4,500 (compared to €4,500 for Third Party Fire & Theft/Comprehensive, €9,000 for Comprehensive Silver, and €26,000 for Comprehensive Gold). No indemnity applies if the driver is under 18 or over 70, or if the accident is linked to intoxication, suicide or intentional injury. This benefit applies only if the relevant Endorsement is indicated in the Schedule.
Section: OTHER BENEFITS – EXTENSIONS
Personal Accident Cover to the Insured Authorised Driver whilst driving the Motor Vehicle Insured under the Policy €4.500 €4.500 €4.500 €9.000 €26.000
Indemnity to Passengers (Third Party Liability Extension)
Optional
Endorsement No. 3 extends the indemnity under 'Liability to Third Parties' to cover any passenger or other person (other than the driver) carried in, entering or alighting from the Motor Vehicle, against sums they become legally liable to receive for bodily injury, death, emergency treatment or property damage, in consideration of payment of an Additional Premium. General Exception No. 7 (which otherwise excludes persons in/entering/leaving the vehicle) is deleted once this Endorsement is issued. Without this Endorsement, passengers are not indemnified under the base Third Party Liability cover.
Section: ENDORSEMENT NO. 3 - INDEMNITY TO PASSENGERS (FOR THIRD PARTY LIABILITY)
It is hereby declared and agreed that in consideration of the payment of the required Additional Premium Exception No.7 of the Policy is deleted and the Indemnity provided under Paragraph 1 "Indemnity to the Insured and to any other Authorised Driver on a “Road”” under the heading “Liability to Third Parties” of this Policy shall extend to apply to Any Other Person (other than the person driving) whilst in or getting into or out of the Motor Vehicle on a “Road”
Key conditions
Driver restrictions
Standard Endorsements 9/9A exclude liability while the vehicle is driven by, or in the custody of, any person under 23 (or 25, depending on the Endorsement issued) or over 70 years of age, or who holds a Learner's Driving Licence or has held a Full Driving Licence for less than two consecutive years, unless approved in writing by the Company. Endorsement 131 further restricts learner drivers aged 17.5-18 or over 18 unless accompanied by a qualifying 'co-driver' meeting minimum age and licence-experience requirements; no cover applies to passengers other than the co-driver while a learner driver is at the wheel.
Claim notification deadline
The Insured must give notice of any occurrence which may give rise to a claim to the Company as soon as possible/immediately, with full particulars; every letter, claim, writ, summons and process must be forwarded to the Company immediately on receipt. The Police must be notified immediately of any accident or criminal act (e.g. theft) that may give rise to a claim; failure to do so voids liability under the Policy.
Bonus-malus rules
Under Endorsement No. 130 ('Protection - No Loading Due to a Claim'), no additional premium is charged following submission of a claim under the Third-Party Liability Cover unless more than one claim is submitted within any consecutive two-year period. If more than one claim is submitted in such a period, an additional premium (loading) is charged based on all claims except the one with the lowest paid/estimated amount.
Territorial scope
Cover applies within the territory of Cyprus excluding areas where the Government of the Republic of Cyprus does not have effective control. Cover automatically extends to the territory of EU Member States applying Compulsory Third Party Liability Insurance, provided those States have countersigned the Multilateral Guarantee Agreement. Cover for other States where Foreign Bureaux of International Insurance are registered under the Uniform Agreement (Green Card system) applies only subject to a relative Endorsement issued by the Company.
Documents
Motor Vehicle Third Party Insurance - Terms and Conditions (opens in a new tab)
Terms & conditions · PDF
Motor Vehicle Comprehensive Insurance - Terms and Conditions (includes Section II Liability to Third Parties) (opens in a new tab)
Terms & conditions · PDF
Motor Insurance Proposal Form (includes benefits/extensions comparison table across policy tiers) (opens in a new tab)
Table of benefits · PDF
Policy specifics
Windscreen Cover
Coverage for breakage or damage to windscreen and window glass of the insured vehicle
SourcePage 3Section: OTHER BENEFITS – EXTENSIONS
Windscreen Cover €600 €600 €600 €800 €1.000
Personal Accident Cover
Coverage for bodily injury or death of the insured and authorized drivers whilst driving the motor vehicle
SourcePage 3Section: OTHER BENEFITS – EXTENSIONS
Personal Accident Cover to the Insured Authorised Driver whilst driving the Motor Vehicle Insured under the Policy €4.500 €4.500 €4.500 €9.000 €26.000
Loss of Use of Own Vehicle
Daily allowance for loss of use of the insured vehicle, maximum 15 days per claim
SourcePage 3Section: OTHER BENEFITS – EXTENSIONS
Loss of Use of Own Vehicle (maximum 15 days) €15 per day €20 per day €30 per day
Cover against Earthquake, Storm, Tempest, Flood
Optional coverage for damage caused by natural disasters including earthquake, storm, and flooding
SourcePage 3Section: OTHER BENEFITS – EXTENSIONS
Cover against Earthquake, Storm, Tempest, Flood YES
Cover against Riots, Strikes, Civil Commotions
Optional coverage for damage caused by riots, strikes, and civil commotions
SourcePage 3Section: OTHER BENEFITS – EXTENSIONS
Cover against damage from Riots, Strikes, Civil Commotions YES
No Claims Bonus Protection
Optional protection of No Claims Discount in own damage coverage after making a claim
SourcePage 3Section: OTHER BENEFITS – EXTENSIONS
No Claims Bonus Protection (Own Damage) YES
Replacement of Vehicle with a New One
Coverage providing replacement with a new vehicle for vehicles up to 12 months old if written off
SourcePage 3Section: OTHER BENEFITS – EXTENSIONS
Replacement of Vehicle with a new one (applicable with new vehicles up to 12 months old) YES
Police Notification Requirement
No liability attaches to the insured if police is not called immediately to the scene of an accident for which a claim may be made
SourceClause APage 5Section: ATTENTION: Special notice is given to the Proposer
No liability shall attach under the Policy if the Police is not called immediately to the scene of an accident in respect of which a claim may be made against the Company under the Policy.
Full Adherence to Terms and Conditions
Full adherence to the Terms and Conditions of the Policy is a condition precedent to any admittance of liability
SourceClause BPage 5Section: ATTENTION: Special notice is given to the Proposer
Full adherence to the Terms and Conditions of the Policy or of any other document which may be issued by the Company shall be condition precedent to any admittance of possible liability of the Company under the Policy or other Document issued by the Company.
Premium Payment Requirement
No liability is accepted by the Company until the proposal has been accepted and the first premium paid
SourcePage 5Section: STATUTORY DECLARATION AND CONSENT FORM
No liability is accepted by the Company until the proposal has been accepted and the first premium paid.
Sources
- eurosure.comhttps://www.eurosure.com/downloads/policyterms/motorbef-2019/motor_third_party_V11.pdf#page=13(opens in a new tab)
- eurosure.comhttps://www.eurosure.com/downloads/policyterms/motorbef-2019/motor_third_party_V11.pdf#page=16(opens in a new tab)
- eurosure.comhttps://www.eurosure.com/downloads/policyterms/motorbef-2019/motor_third_party_V11.pdf#page=5(opens in a new tab)
- eurosure.comhttps://www.eurosure.com/downloads/policyterms/motorbef-2019/motor_third_party_V11.pdf#page=6(opens in a new tab)
- eurosure.comhttps://www.eurosure.com/downloads/proposals/motor_EN.pdf#page=3(opens in a new tab)
- eurosure.comhttps://www.eurosure.com/downloads/proposals/motor_EN.pdf#page=5(opens in a new tab)