Gan Direct Motor third-party liability (Basic Plus)
Underwritten by Gan Direct Insurance Ltd · Cyprus
motor third-party liability insurance from Gan Direct for the Cyprus market, with online purchase and 24/7 assistance.
Verified Aug 24, 2026 · Terms dated 2015-01-01Sources
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
€38.6M
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.
Section: 9. Insurance Policy > 9.1 Section One > 9.1.1 Liability to Third Parties
The Company will subject to the Limits of Liability and the Jurisdiction Clause, indemnify the Insured or any Authorized Driver against all sums including claimant's costs and expenses which the Insured or any Authorized Driver shall become legally liable to pay in respect of a) death of or bodily injury to any person, b) emergency treatment to any person, c) damage to property
Property Damage Liability to Third Parties
€1.3M
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.
Section: 9. Insurance Policy > 9.1 Section One > 9.1.1 Liability to Third Parties
c) damage to property where such death or injury or need for such treatment or damage arises out of an accident caused by or arising out of the use of the Insured Vehicle on the road, in the geographical area defined in the 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. Basic Plus also includes Legal Protection (defence costs to avoid the driver's imprisonment) and Penal Bail, up to the limits stated in the Schedule.
Section: Insurance Cover Comparison - More > MOTOR BENEFITS & COVERS
Legal Protection √ √ √ √ Penal Bail √ √ √ √
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 Green Card, covering 27 EU member states plus 9 additional countries. Prior notification to the insurer before travelling is required.
Section: Frequently asked questions
Provided your vehicle is registered in Cyprus and based on Section 1 of our Motor Policy contract, you have Third-Party cover when driving your vehicle abroad, in certain countries that have signed the Multilateral Agreement without the need of having any additional documentation (i.e. green card). In any case you have to notify your insurance company before leaving the country.
24/7 Motor Roadside Assistance
Covered
Free 24-hour Roadside Assistance within the Republic of Cyprus for breakdowns within 16km of your home address: roadside repair or, if that is not possible, towing of the car and up to 5 passengers to a local repairer or local destination of your choice. Recovery following an accident is excluded. Further levels (Relay, Stay Mobile) depend on the level shown on the Membership Certificate. Maximum 4 call-outs per membership year; further call-outs may require extra premium.
Section: 8. 24hrs Assistance Keyfacts > 8.1 The main Features and Benefits
Roadside Assistance: Assistance at the roadside if you are broken down within 16km from your Home address. If unable to fix your vehicle at the roadside, tow your vehicle and up to 5 passengers to a local repairer or a local destination of your choice.
Driver Personal Accident / Medical Expenses
€2K
Medical Expenses for the Authorized Driver(s) is included under the Basic Plus policy up to €2,000, paying reasonable medical expenses for bodily injury sustained by the insured and/or any authorized driver as a direct result of an accident involving the motor vehicle.
Section: Insurance Cover Comparison - More > MOTOR BENEFITS & COVERS
Medical Expenses for the Authorized Driver(s) up to €2,000 √ √ √ √
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.
Section: 9. Insurance Policy > 9.1 Section One > 9.1.1 Liability to Third Parties
The Company will subject to the Limits of Liability and the Jurisdiction Clause, indemnify the Insured or any Authorized Driver against all sums including claimant's costs and expenses which the Insured or any Authorized Driver shall become legally liable to pay in respect of a) death of or bodily injury to any person,
Key conditions
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.
Territorial scope
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.
Documents
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
SourceSection: What type of car insurance is right for you? > Basic Plus > Insurance Policy
Basic Plus Insurance Policy covers you against all sums including claimant’s costs and expenses which the Insured or any Authorized Driver shall become legally liable to pay in respect of death or bodily injury to any person, emergency treatment to any person or damage to property that may arise out of an accident caused by the use of the Insured Vehicle.
Motor Assistance - 24/7 Breakdown Service
24-hour assistance service available in case of accident, breakdown, or windscreen replacement
SourceFree 24hr Assistance in case of an Accident, Breakdown or Windscreen replacement.
24-Hour Claims Handling
Claims processed within 24 hours through approved network of associates or by cheque payment
SourceYour claim handled within 24 Hours! Either by choosing to use one of our Approved Network of Associates, or by cheque.
International Coverage - Green Card
Third-party cover extends to EU member states and countries signatory to Multilateral Agreement without requiring Green Card documentation
SourceSection: Frequently asked questions
According to EU directives, your Motor Vehicle Insurance Policy (Part 1 of our Policy) covers Third-Party Liability for driving the vehicle abroad, in specific countries that have signed the Multilateral Agreement, without requiring any other document (e.g. Green Card).
Authorized Driver Requirement
Coverage applies to the insured and any authorized driver as specified in the policy
SourceSection: What type of car insurance is right for you? > Basic Plus > Insurance Policy
Basic Plus Insurance Policy covers you against all sums including claimant’s costs and expenses which the Insured or any Authorized Driver shall become legally liable to pay in respect of death or bodily injury to any person, emergency treatment to any person or damage to property that may arise out of an accident caused by the use of the Insured Vehicle.
Policy Administration Fees
Administration fees apply to all policy amendments and cancellations
SourcePage 8Section: 5. Additional Important Information > Our Fees and charges
All amendments to this policy are subject to an administration fee. Policy Cancellation is subject to an administration fee.
Loss of Use Limitation
For third-party claims, loss of use is not typically covered as this is a third-party liability only policy
SourceSources
- faq.gandirect.comhttps://faq.gandirect.com/index.php?action=artikel&cat=2&id=30&artlang=en(opens in a new tab)
- gandirect.comhttps://gandirect.com/motor-insurance/(opens in a new tab)
- gandirect.comhttps://www.gandirect.com/wp-content/uploads/2018/03/MotorBookletEN.pdf#page=10(opens in a new tab)
- gandirect.comhttps://www.gandirect.com/wp-content/uploads/2018/03/MotorBookletEN.pdf#page=11(opens in a new tab)
- gandirect.comhttps://www.gandirect.com/wp-content/uploads/2018/03/MotorBookletEN.pdf#page=19(opens in a new tab)
- gandirect.comhttps://www.gandirect.com/wp-content/uploads/2018/03/MotorBookletEN.pdf#page=20(opens in a new tab)
Gan Direct Motor third-party liability