GAN Direct Insurance Ltd
Gan Direct
Gan Direct is a motor third-party liability insurance for the Cyprus market with online purchase and 24/7 assistance.
Direct payment
Claims are processed within 24 hours through Gan Direct's approved network of associate repairers, or settled directly by cheque payment to the policyholder, at the customer's choice.
Geographic scope
Republic of Cyprus
Republic of Cyprus, extending to EU member states and other Multilateral Agreement signatory countries for third-party liability while driving abroad, subject to prior notification to the insurer.
Unique selling points
- Gan Guarantee: if you find a better price and cover elsewhere, Gan Direct guarantees to beat it.
- 24hr FastClaim settles claims within 24 hours, either through the approved repairer network or by cheque.
- Free 24-hour, 365-day Roadside Assistance is included with every Motor product at no extra cost.
- An extra discount is given when buying or renewing your policy online or choosing the paperless option.
- EasyPay lets you spread your premium over 6 or 12 monthly instalments by credit card with no credit charges.
Coverage limits
Bodily Injury Liability to Third Parties
€38,600,000
Covers all sums including claimant's costs and expenses for death or bodily injury to any person, including emergency treatment, arising out of an accident caused by the use of the insured vehicle. This is mandatory third-party liability cover under Cyprus Law 96(I)/2000; the exact limit of liability is stated in the policy Schedule.
Property Damage Liability to Third Parties
€1,300,000
Covers all sums including claimant's costs and expenses for damage to property arising out of an accident caused by the use of the insured vehicle, up to the limit of liability stated in the policy Schedule.
Legal Defence and Representation
Covered
The Company may arrange representation at any inquest or fatal inquiry and undertake the defence of court proceedings related to an event covered under Section One, and will pay costs and expenses incurred with its written consent. A separate optional Legal Protection endorsement (defence costs to avoid the driver's imprisonment) is available for an additional premium up to the limit stated in the Schedule.
Green Card / International Third-Party Cover
Covered
Third-party cover extends to EU member states and other countries signatory to the Multilateral Agreement without requiring a physical Green Card, covering 27 EU member states plus 9 additional countries; a Digital Green Card has been legally valid since January 2025. Prior notification to the insurer before travelling is required.
24/7 Motor Roadside Assistance
Covered
Free 24-hour, 365-day Roadside Assistance is included with all Motor products, covering breakdown or accident response within the Republic of Cyprus, with recovery to a destination of choice if the vehicle cannot be repaired at the roadside. Relay (recovery beyond 16km) and Stay Mobile (replacement car/transport/accommodation) are paid optional extras, and a maximum of 4 call-outs per Membership year applies before an extra premium is charged.
Driver Personal Accident / Medical Expenses
€1,000
Bodily injury to the Driver of the insured vehicle is excluded from Section One unless stated in the Schedule; it can be bought back via the optional Medical Expenses endorsement, which pays reasonable medical expenses to the insured/authorized driver for bodily injury sustained in an accident, up to the limit of liability stated in the Schedule.
Passenger Liability Cover
Covered
Third-party liability cover extends to injury caused to passengers of the insured vehicle as part of Section One liability to third parties.
Key conditions
Territorial scope
Cover applies within the Republic of Cyprus and, under Section One, extends to driving abroad in EU member states and other countries signatory to the Multilateral Agreement, without need for a Green Card, provided the insurer is notified before travel.
Green card rules
Green Card documentation is not required for driving in the 27 EU member states or the 9 additional countries signatory to the Multilateral Agreement; a Digital Green Card has been legally valid since January 2025. The insurer must be notified in advance of travel abroad.
Driver restrictions
Cover applies to the Insured and any Authorized Driver named or covered under the policy; the Company is not liable if the vehicle is driven by a person other than an Authorized Driver, or by a driver under the influence of alcohol or drugs.
Claim notification deadline
The Insured must contact the Company immediately from the scene of any incident that may give rise to a claim, notify the police in case of accident, theft or other criminal act, and forward every claim, writ, summons or pleading to the Company immediately upon receipt.
Bonus-malus rules
Gan Direct offers a Responsible Driver Discount for claim-free periods, a No Claims Certificate discount tiered by years claim-free, and a Named Driver No Claims Discount that can be transferred to a named driver's own future policy; discounts may be lower than the main policyholder's and may not be recognized by other insurers.
Where to buy
Documents
Motor Insurance Policy Booklet (Terms & Conditions)
Terms & conditions
Policy specifics
Third Party Liability
Covers all sums including claimant's costs and expenses for death, bodily injury to any person, emergency treatment, or damage to property arising out of an accident caused by the use of the insured vehicle
SourceMotor Assistance - 24/7 Breakdown Service
24-hour assistance service available in case of accident, breakdown, or windscreen replacement
Source24-Hour Claims Handling
Claims processed within 24 hours through approved network of associates or by cheque payment
SourceInternational Coverage - Green Card
Third-party cover extends to EU member states and countries signatory to Multilateral Agreement without requiring Green Card documentation
SourceAuthorized Driver Requirement
Coverage applies to the insured and any authorized driver as specified in the policy
SourcePolicy Administration Fees
Administration fees apply to all policy amendments and cancellations
SourceLoss of Use Limitation
For third-party claims, loss of use is not typically covered as this is a third-party liability only policy
Source