Road Star
Road Star is a motor third-party liability insurance for the CY market with no online purchase and 24/7 assistance.
Direct payment
Claims are handled directly by AIG Europe S.A. (Cyprus Branch). Policyholders must notify AIG or their intermediary as soon as reasonably possible in the event of a loss. No explicit direct-payment-to-repairer policy is stated in the IPID.
Geographic scope
CY
Primary coverage in Cyprus (including occupied territories for own-damage). Third-party liability cover required by law applies indefinitely in any EU member state or Multilateral Guarantee Agreement signatory state. All other covers apply for up to 30 days in EU/MGA states.
Unique selling points
- Policy explicitly covers loss or damage occurring in the occupied territories of Cyprus — a gap most Cyprus motor insurers exclude.
- 24-hour road assistance and 24-hour accident assistance are included as standard in all three cover tiers.
- Third-party liability limits of €36,350,000 (personal injury) and €1,220,000 (property damage) significantly exceed Cyprus statutory minimums.
- Policies are issued in clear English or Greek language, making documentation accessible to both local and expatriate policyholders.
- Premium instalment payment available when policy premium exceeds €300, with multiple payment methods including direct debit and card.
Coverage limits
Third-Party Bodily Injury & Loss of Life Liability
Covered
Legal liability of the policyholder, authorised drivers and passengers to third parties for personal injuries and loss of life caused by the use of the Motor Vehicle, including use beyond the road or while carrying a trailer, up to €36,350,000 per event.
Third-Party Property Damage Liability
Covered
Legal liability of the policyholder, authorised drivers and passengers to third parties for property damage caused by the use of the Motor Vehicle, including use beyond the road or while carrying a trailer, up to €1,220,000 per event.
Legal Defence
Covered
Court costs and interest on judgments are covered as part of the mandatory third-party liability cover under Cyprus law (Cap. 333 / EU Directive 2009/103/EC). No separate standalone legal defence add-on is offered, but legal defence costs incurred in defending or settling covered TPL claims are included within the TPL cover limits.
Green Card / International Motor Insurance Certificate
Covered
Third-party liability cover required by law applies in any EU member state or any other state signatory to the Multilateral Guarantee Agreement, indefinitely. The digital Green Card has been valid in Cyprus since January 2025. All other policy covers apply for up to 30 days in those states.
24-Hour Road & Accident Assistance
Covered
24-hour road assistance and 24-hour accident assistance are included. Assistance is provided by a contracted company on a public road in an area controlled by the government of the Republic of Cyprus or the Sovereign Base Area only. Does not apply in the occupied territories.
Personal Accident – Authorised Driver
Covered
Personal accident benefit for an authorised driver of €8,500 for certain bodily injuries as set out in the policy. Medical expenses for the authorised driver and passengers are covered up to €850.
Passenger Liability & Medical Expenses
Covered
Passenger liability is included as part of the third-party liability cover. Medical expenses of authorised driver and passengers are covered up to €850. Emergency treatment is covered up to €35. No separate named personal accident sum for passengers beyond the third-party liability cover is stated in the IPID.
Key conditions
territorial_scope
Primary coverage in Cyprus, including loss or damage to the Motor Vehicle in the occupied territories of Cyprus. Third-party liability cover required by law applies indefinitely in any EU member state or Multilateral Guarantee Agreement signatory state. All other covers apply for up to 30 days in EU/MGA states. Road and accident assistance applies only in government-controlled areas of Cyprus and the Sovereign Base Areas.
green_card_rules
The policy provides full third-party liability cover as required by law in all EU member states and states signatory to the Multilateral Guarantee Agreement, valid indefinitely. The digital Green Card has been valid in Cyprus since January 2025. Other covers beyond TPL apply for up to 30 days in those territories.
driver_restrictions
All drivers must hold a valid driving licence for any Motor Vehicle being driven and must follow the conditions of that licence. Any loss or damage whilst the Motor Vehicle is driven by a person not specified as an authorised driver on the policy schedule is excluded. An additional excess applies for young and inexperienced drivers. Driving another car cover is limited to Cyprus only and applies provided that the other car does not belong to or is hired by the policyholder, their spouse, employer or partner.
claim_notification_deadline
The policyholder must notify AIG or their intermediary as soon as reasonably possible in the event of loss or damage to the Motor Vehicle. No specific number of days deadline is stated in the IPID beyond this reasonableness standard.
bonus_malus_rules
Cyprus has legislated a bonus-malus framework for motor insurance, but there is no centralized statutory scale; each insurer applies its own individual merit-rating system. AIG Cyprus applies experience-based pricing adjustments. An optional no-claim bonus protection add-on is available, covering up to 2 claims within a period of 3 years without loss of the accumulated no-claim discount. An additional excess applies for young and inexperienced drivers. No further bonus-malus scale details are published in the IPID.
Documents
Auto Insurance Product Information Document – English (IPID)
ipid
Policy specifics
Occupied Territories Coverage Extension
Distinctive feature: This policy explicitly covers loss or damage to the Motor Vehicle that occurs in the occupied territories of Cyprus, a coverage gap that most Cyprus motor policies exclude
Wide Coverage Optional Add-on
Optional comprehensive add-on that includes: breaking of glass in windscreen or windows, locks and keys, rugs, clothing or personal items, strike, riot and civil commotion, natural perils, and loss of use of the insured car
Personal Belongings Coverage Limit
Loss or damage to personal belongings is covered up to a maximum of €170
Valid Driving License Requirement
All drivers must hold a valid driving licence for any Motor Vehicle being driven and must follow the conditions of that licence. Everyone covered by the Policy must follow the Policy terms and conditions
Premium Payment Terms
Premium can be paid either in one lump sum payment upon issue of the policy, or in instalments when the policy premium exceeds €300 (if agreed specifically and mentioned in Policy Schedule). Payment methods: cash, cheque, bank transfer, direct debit or debit/credit card
Policy Cancellation Notice Period
Policyholders may cancel the Policy at any time by giving written notice of at least 7 days
European Union and International Coverage Terms
In any member state of the European Union or any other state signatory to the Multilateral Guarantee Agreement: full third party liability cover required by law applies indefinitely; other covers apply for up to 30 days