CNP Asfalistiki
CNP Asfalistiki is a motor casco insurance for the CY market with no online purchase and 24/7 assistance.
Άμεση πληρωμή
Claims may be notified via the ERB Asfalistiki Mobile App, by telephone, or by written declaration at any office. Payment is provided upon validated claim settlement as specified in the policy terms.
Geographic scope
CY
Coverage applies only in Cyprus, in areas effectively controlled by the Republic of Cyprus. Excludes areas not under effective government control.
Μοναδικά πλεονεκτήματα
- More than 15 types of cover included in the comprehensive policy, one of the broadest coverage programmes in the Cyprus motor insurance market.
- Windshield and glass claims do not trigger a premium increase and no deductible/excess is applied, protecting the policyholder's no-claims status.
- 24/7 Roadside Assistance and Accident Care Services provided by independent providers are included in the policy at no extra premium.
- First in Cyprus to offer an integrated Mobile App for 24/7 general insurance management, claims reporting, and direct company communication.
- CNP Asfalistiki ranked first for reliability among Cyprus insurers for two consecutive years according to Stockwatch Trust Index research.
Όρια κάλυψης
Ζημιά οχήματος
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Covers loss of or damage to the motor vehicle caused by any peril occurring in Cyprus (in areas effectively controlled by the Republic of Cyprus) and not specifically excluded. No fixed monetary limit is published publicly.
Total loss
Replacement of the motor vehicle with a new one if damage exceeds 50% of its official value, applicable only within the first 12 months of purchase (Motor Plus product).
https://www.cnpasfalistiki.com/en/cnp-asfalistiki/products/business/motor/motor-plus
Partial Loss / Own Damage from Accident
Covered
Loss of or damage to the motor vehicle caused by any peril not specifically excluded; covers partial damage from accidents. Also covers loss or damage while the vehicle is being towed.
Theft and Robbery
Covered
Loss of or damage to the motor vehicle caused by theft or attempted theft occurring in Cyprus (in areas effectively controlled by the Republic of Cyprus). Personal belongings lost or damaged by theft inside the vehicle are also covered.
Windshield and Glass Damage
Covered
Coverage for breakage of the windshield or other windows, maintaining the insurance premium at the same level following claim submission and with no application of the deductible/excess.
Natural Perils and Natural Catastrophe
Optional
Loss or damage to the motor vehicle caused by flood, storm, hurricane, hail, earthquake, riot or strike. This coverage is listed as an additional/optional coverage that must be specifically selected.
Vandalism, Riots and Strikes
Optional
Loss or damage to the motor vehicle caused by riots and strikes is listed as an optional coverage. Vandalism as a standalone peril is not explicitly broken out but may be covered under riots/strikes or the all-perils clause.
Roadside Assistance and Accident Care
Covered
Provision of Road Assistance and Accident Care Services by independent providers, 24 hours a day, 365 days a year.
Loss of Use / Temporary Replacement Vehicle
Covered
Loss of use or temporary replacement of the motor vehicle following loss of or damage to the insured motor vehicle is included. Also covers loss of or damage to the motor vehicle while being towed.
Ατύχημα οδηγού
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Medical coverage of the insured and authorised drivers following a motor accident is included in the comprehensive policy, but no specific monetary limit is publicly disclosed.
Βασικές προϋποθέσεις
driver_age_experience_limit
No specific minimum driver age or experience limit is stated on the product pages. Young drivers (under 25) typically face premium surcharges in the Cyprus market. The policy covers the insured and authorised drivers as named in the policy schedule.
repair_network_requirements
No specific approved repair network requirement is stated in the publicly available product pages. Policyholders are advised to contact the company or an authorised agent for repair instructions following a claim.
territorial_scope
All vehicle coverage is restricted to Cyprus in the areas effectively controlled by the Republic of Cyprus. Third-party liability coverage for driving a third-party vehicle is also limited to Cyprus (government-controlled areas only). Coverage does not extend beyond Cyprus borders.
anti_theft_requirements
No specific anti-theft device requirements are stated in the publicly available product pages for the standard Comprehensive policy.
claim_notification_deadline
Claims must be notified within the time limit specified in the Terms of the Insurance Policy. Notification can be made via the Mobile App, by telephone, or by written declaration at any ERB Asfalistiki office. Immediate notification is strongly recommended in the event of any loss or damage.
deductible_rules
For windshield/glass claims: no excess (deductible) is applied and the premium is not increased following a windshield claim. For other claim types, specific deductible amounts are not stated on the product pages and are subject to the individual policy schedule and terms and conditions.
Λεπτομέρειες ασφαλιστηρίου
Windshield and Windows Breakage Coverage
Coverage for breakage of windshield or other windows, with maintenance of premium at same level following claim submission and non-application of exemption
Towing and Loss of Use Coverage
Coverage for loss or damage to motor vehicle while being towed, and liability for compensations whilst vehicle was being towed; also includes loss of use or temporary replacement following loss or damage to insured motor vehicle
Personal Belongings Coverage
Loss of or damage to personal belongings caused by fire or theft within the insured motor vehicle
Natural Perils and Natural Catastrophe Coverage
Loss or damage to motor vehicle caused by flood, storm, hurricane, hail, earthquake, riot or strike
Medical Coverage Following Motor Accident
Medical coverage of the insured and authorized drivers of the insured vehicle following a motor accident, and/or medical coverage of insured or other drivers specified while driving any motor vehicle (excluding motorcycles, buses, lorries or special types vehicle) following a motor accident
Geographic Scope - Cyprus Only
All coverage is limited to Cyprus in areas effectively controlled by the Republic of Cyprus; excludes areas not under effective control
Authorized Drivers Requirement
Coverage applies to the insured person and authorized drivers; other unspecified drivers may not be covered for certain benefits
Vehicle Type Exclusions
Certain vehicle types are excluded from coverage or have limited coverage: motorcycles, buses, lorries, and special type vehicles are excluded from some benefits
Standard Policy Exclusions - War, Terrorism, Nuclear
Policy excludes: war, acts of terrorism, nuclear radiation, environmental pollution, any premeditated act which is a felony according to the Criminal Law