Genikes Insurance Motor third-party liability (Third Party Plus Web)
Underwritten by General Insurance of Cyprus Ltd · Cyprus
motor third-party liability insurance from Genikes Insurance for the Cyprus market, with online purchase and 24/7 assistance.
Last verified Aug 24, 2026Sources
Unique selling points
Free 24-hour Motor Assistance and Accident Care service included on every vehicle policy, going beyond the statutory third-party liability minimums.
Windscreen breakage cover up to €350 included as standard, a benefit many pure third-party products charge extra for.
Off-road driving cover is built into the plan rather than sold as a separate extension.
Third-party cover when driving another privately owned car of the same category is included (Cyprus only, until age 75).
Fully digital 'Web' plan with online quote and purchase, avoiding the need for a branch visit.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€38.6M
Legal Defence and Representation
Covered
The Company may, at its own expense and discretion, arrange representation at any inquest or accident inquiry and undertake the defence of legal proceedings relating to any event that may be the subject of indemnity under the policy; no separate monetary limit is stated.
Section: SECTION 1. - THIRD PARTY LIABILITY > 6. Representation and Defence
The Company may at its own expense and discretion: (a) arrange for representation at any inquest or at any accident inquiry for any death which may be the subject of indemnity under this Section (b) undertake the defence of any 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 Section.
Green Card / International Motor Insurance Cover
Covered
Third Party Liability cover is valid in Cyprus and in the territories of States that have signed Part III of the Unified Agreement (Green Card countries); the indemnity applied is the higher of the Cyprus limits or the minimum required by the legislation of the state where the incident occurred; no separate sum insured is stated.
Section: Where am I covered?
In respect of Third Party Liability: In Cyprus, excluding the areas of the Republic of Cyprus in which the government of the Republic of Cyprus does not exercise effective control, and in States which have signed Part III of the Unified Agreement.
24-Hour Motor Assistance
Covered
Free 24-hour Road Assistance (via a recognised Cyprus assistance company) and Accident Care services (direct telephone service, visit and guidance at the accident scene, photographs and evidence gathering), provided under Additional Clause 10920 referenced in the Schedule; vehicles with a gross weight over 5 tonnes are excluded; no monetary limit is stated.
Section: Our Plans
All Motor Insurance policies offer the 24-hour Motor Assistance service for roadside assistance and accident care.
Personal Accident – Insured and/or Spouse
€20K
Optional cover (Additional Clause 10922, added at extra cost) paying benefits for death, permanent disablement or specified injuries suffered by the Insured and/or spouse while driving, being carried in, entering or leaving the insured vehicle, plus medical expenses up to €1,000; the total amount payable for any one event is capped at €20,000; not available if the Insured is under 18 or over 70.
Section: SECTION 4 - ADDITIONAL CLAUSES > 10922 Personal Accident to the Insured and/or his/her spouse
The total amount payable for any one event under the above shall not in any case exceed the aggregate sum of €20.000.
Passengers' Liability Extension
€36.4M
Passengers' own legal liability towards third parties is included as standard under this plan (IPID: 'Passengers' legal liability'). Exception (i) of Section 1, which otherwise excludes a passenger's own liability, is deleted by Additional Clause 10926, extending cover to the legal liability of any person (other than the driver) who is lawfully inside, entering or alighting from the insured vehicle, up to the same Third Party bodily injury liability limit (€36,350,000 per event).
Section: What is insured?
Passengers’ legal liability.
Key conditions
Driver restrictions
Cover requires the driver to be an Authorised Driver holding a valid driving licence; there is no cover if the driver is under the influence of alcohol, drugs or medication, refuses a breath/blood/saliva test, or (for learner-licence holders) fails to comply with learner-licence conditions and restrictions. Additional Clause 10923, if attached, can further exclude drivers under 25 or over 70 years of age, learner-licence holders, or drivers with under two years' driving experience.
Claim notification deadline
The Insured must contact the Company's notified telephone line immediately from the scene of any incident that might give rise to a claim and follow the instructions given; no claim is payable unless this condition is complied with, except as required by law (in which case the Company retains its right of recovery).
Bonus-malus rules
The policy documents reviewed do not specify a bonus-malus / no-claims discount scale.
Territorial scope
Cyprus, excluding areas of the Republic of Cyprus where the government does not exercise effective control; third-party liability cover also extends to States that are signatory parties to Part III of the Unified Agreement, while cover for the vehicle itself (own damage extensions) is limited to Cyprus only.
Documents
Policy specifics
Windscreen Cover
Coverage for breakage of windscreen/window during any one Period of Insurance, limited to €350
SourcePage 2Section: Are there any restrictions on cover?
The cover for breakage of windscreen/window during any one Period of Insurance, is limited to the amount of €350.
Driving Someone Else's Vehicle
Coverage provided when driving someone else's vehicle in Cyprus only, applicable for vehicles of the same category and type as the insured vehicle
SourcePage 2Section: Are there any restrictions on cover?
The cover for driving someone else's vehicle is provided in Cyprus only, but excludes the areas in which the Republic of Cyprus does not exercise effective control and is applicable for vehicles of the same category and type as the insured vehicle.
Off-Road Driving Cover
Coverage for off-road driving is included in the Third Party Plus plan
SourceSection: Our Plans
It also provides cover when driving another vehicle (this applies only to private vehicles belonging to private individuals), off-road driving and windscreen cover (up to €350).
24-Hour Motor Assistance
Free 24-hour Motor Assistance service providing immediate assistance for any mechanical fault or in the event of a road traffic accident
SourceSection: Our Plans
All General Insurance of Cyprus vehicle policies provide a free 24-hour service for whatever happens to you on the road via Motor Assistance which provides immediate assistance for any mechanical fault or in the event of a road traffic accident.
Optional Trailer Cover
Optional cover for trailers that can be added to the Third Party Plus plan
SourceSection: Our Plans
You can also opt to add cover for a trailer and personal accident cover for the insured and/or spouse.
Optional Personal Accident Cover
Optional personal accident cover for the insured and/or spouse that can be added to the Third Party Plus plan
SourceSection: Our Plans
You can also opt to add cover for a trailer and personal accident cover for the insured and/or spouse.
Policy Language
Policy issued in Greek language with English translation provided for information purposes
SourceClause 1Page 9Section: SECTION 3 - GENERAL CONDITIONS > 1. Interpretation
The Policy is issued in the Greek language with an English translation for information purposes of those policyholders who do not speak Greek.
Geographical Coverage Scope
Third Party Liability coverage valid in Cyprus and States which have signed Part III of the Unified Agreement
SourcePage 2Section: Where am I covered?
In respect of Third Party Liability: In Cyprus, excluding the areas of the Republic of Cyprus in which the government of the Republic of Cyprus does not exercise effective control, and in States which have signed Part III of the Unified Agreement.
Premium Payment Method
Premium is paid annually by card as a one-off payment at the inception of the insurance policy
SourcePage 2Section: When and how do I pay?
The premium is paid annually by card as a one-off payment at the inception of the insurance policy.
Policy Duration
The duration of insurance cover is twelve (12) months and is stated in the insurance policy
SourcePage 2Section: When does the cover start and end?
The insurance cover starts at the date indicated in the insurance policy, provided that the premium has been paid. The duration of the insurance cover is twelve (12) months and is stated in the insurance policy.
Third Party Liability Limit
Property damage coverage limit is €1,300,000 per event, which is the minimum required by Cyprus law
SourcePage 2Section: Are there any restrictions on cover?
The amount of cover for property damage caused to third parties arising out of the use of the insured vehicle in Cyprus is the minimum which the Law requires and amounts to €1.300.000 per event.
Duty to Notify Claims
In the event of an occurrence which may give rise to a claim, the insured must call immediately on the telephone number indicated in the insurance policy and follow instructions from the Company's authorised representative
SourcePage 2Section: What are my obligations? > Obligations in the event of a claim
In the event of an occurrence which may possibly give rise to a claim, call immediately on the telephone number which is indicated in the insurance policy and follow the instructions which shall be given to you by the Company's authorised representative.
Sources
- genikesinsurance.com.cyhttps://www.genikesinsurance.com.cy/contentassets/60faca79c12c4f03ae5a84c302f26c8c/ipid_motor-third-party-plus_web-en-_102024.pdf#page=1(opens in a new tab)
- genikesinsurance.com.cyhttps://www.genikesinsurance.com.cy/contentassets/60faca79c12c4f03ae5a84c302f26c8c/ipid_motor-third-party-plus_web-en-_102024.pdf#page=2(opens in a new tab)
- genikesinsurance.com.cyhttps://www.genikesinsurance.com.cy/en-gb/homepage/Professionals/motor/motor-insurance/(opens in a new tab)
- genikesinsurance.com.cyhttps://www.genikesinsurance.com.cy/globalassets/genikes-insurance/personal/asphalisteria-web-8.21/genike-okhematon-third-party-plus-web.pdf#page=15(opens in a new tab)
- genikesinsurance.com.cyhttps://www.genikesinsurance.com.cy/globalassets/genikes-insurance/personal/asphalisteria-web-8.21/genike-okhematon-third-party-plus-web.pdf#page=2(opens in a new tab)
- genikesinsurance.com.cyhttps://www.genikesinsurance.com.cy/globalassets/genikes-insurance/personal/asphalisteria-web-8.21/genike-okhematon-third-party-plus-web.pdf#page=7(opens in a new tab)
- genikesinsurance.com.cyhttps://www.genikesinsurance.com.cy/globalassets/genikes-insurance/personal/asphalisteria-web-8.21/genike-okhematon-third-party-plus-web.pdf#page=9(opens in a new tab)
Genikes Insurance Motor third-party liability