Ypera Insurance Co. Ltd
Ypera
Ypera is a motor third-party liability insurance for the Cyprus market with no online purchase and 24/7 assistance.
Direct payment
Ypera's Motor Third Party Liability product is a compulsory liability cover, and Ypera's own motor-vehicles page confirms the policy's core benefit is "Third Party Cover for any driver of age from 23 to 70 with 2 years European license," i.e. the insurer indemnifies injured third parties rather than the policyholder's own losses. Under Cyprus motor-claims practice generally, compensation for a road accident is normally paid by the at-fault driver's insurer directly to the injured third party (or, if untraceable/uninsured, by the Motor Insurers' Fund), rather than the policyholder first paying the claimant and being reimbursed. No Ypera document was found describing a reimbursement-to-policyholder mechanism for MTPL claims; premium payment (as opposed to claim settlement) can separately be made online via JCC SMART, the Ypera mobile app, direct debit, bank transfer, or cash/cheque at Ypera offices.
Geographic scope
Republic of Cyprus (government-controlled areas)
Third Party cover applies within Cyprus; the source does not specify EU/EEA-wide territorial extension for this product.
Unique selling points
- 24-hour roadside assistance branded as 'Yper-Assistance Coverage' is included even on the entry-level Third Party tier.
- Home repair of windscreen/window breakage is included from the basic Third Party tier, a benefit many insurers reserve for comprehensive cover.
- Higher Third Party tiers add Personal Accident cover of €5,000 for the insured driver at no extra product line.
- Named-driver Third Party tiers allow up to 6 named drivers under one policy.
Coverage limits
Bodily Injury Liability
Covered
No limit stated
The product page confirms Third Party liability cover including Passenger Liability, but does not state a specific monetary limit for bodily injury.
Property Damage Liability
Covered
No limit stated
Third Party cover is confirmed on the product page, but no specific property damage liability limit is stated.
Legal Protection
€2,000 – €3,500
Legal Protection is included across Third Party tiers, ranging from €2,000 on the entry-level Third Party tier (any driver 23-70 with min. 2 years European licence, windscreen/windows up to €150) up to €3,500 on higher tiers (up to 6 named drivers 23-70 with min. 2 years European licence; the top tier also adds Personal Accident cover of €5,000 for the insured, windscreen/windows up to €300, trailer towing cover and driving other cars in Cyprus).
24-Hour Roadside Assistance
Covered
24-hour Road Assistance is included as standard, branded as 'Yper-Assistance Coverage', alongside Accident Care and Off the Road cover; no specific monetary limit is stated.
Driver Personal Accident
€5,000
Only in Third Party (Personal Accident €5,000, windscreen €300)
Personal Accident cover of €5,000 for the insured is included only in the higher Third Party tier (Legal Protection €3,500, windscreen/windows up to €300), not in the entry-level Third Party tiers.
Passenger Accident
No limit stated
The page lists 'Passenger Liability' (third-party liability toward passengers) but no separate passenger personal-accident benefit is stated.
Key conditions
Territorial scope
Cover applies within Cyprus (government-controlled areas); the top Third Party tier additionally includes 'Driving Other Cars in Cyprus'. No wider EU/EEA territorial statement is made on this page.
Green card rules
Not specified in the available source material.
Driver restrictions
Authorised drivers must be aged 23 to 70 with a minimum of 2 years' European driving licence; higher tiers allow up to 6 named drivers under the same age/licence conditions.
Claim notification deadline
Not specified in the available source material.
Bonus-malus rules
Not specified for the Third Party product; No Claim Bonus Protection is referenced only on the Comprehensive package.
Documents
Motor Vehicles Package Comparison (Individuals)
Table of benefits