The third party liability cover is mandatory for all vehicles (including the trailer while it is towed by your vehicle), according to the applicable Law.

Cover is provided for the liability of the driver of the insured motor vehicle for damage caused from the use of the insured motor vehicle, up to the following limits:

Bodily injury: €38,600,000 (per claim)

Property damage: €1,300,000 (per claim)

Emergency hospitalisation: €85 (per person)

Third party liability coverage also includes passenger's liability whilst entering or exiting the insured motor vehicle.

The company's liability concerning this cover is included in the third party liability limit.

Cover is provided for any authorized driver other than the insured between 25-80 years of age and holders of a regular driving licence over 2 years.

Authorized drivers between 25-80 years of age, holders of a driving licence less than 2 yeas are covered only if this is declared.

Authorized drivers less than 25 years of age are covered only if this is declared.

If is declared that the vehicle will be driver by a driver less than 25 years of age then we provide cover for any authorized driver between 18-80 years of age.

Accident Care includes the following covers, which are provided for incidents that take place in Cyprus, on a 24-hour basis:

• Immediate service of the motor vehicle in the event of an accident, wherever the motor vehicle may be located.
• On-site recording of the accident and completion of the accident declaration.
• Photographing the scene of the accident and of the vehicles involved
• Collecting witnesses declarations.

Road Assistance includes the following covers, which are provided for accidents that take place in Cyprus and in Greece, on 24-hour basis:

• On-site service of the insured motor vehicle by a mobile repair crew, in any case of breakdown or accident
• Transportation of the motor vehicle to a repair shop or other location of choice. For accidents that took place in Cyprus, it is possible to transport the motor vehicle to a repair shop or to any other location within the district where the Insured Person permanently resides
• Immobilisation as a result of loss of keys
• Immobilization due to running out of fuel
• Tire change

The driver of the motor vehicle will be covered for an accident that takes place while driving, which leads to death or the serious injuries referred to in the relevant insurance term.

The amount of cover in the event of death is €10.000.

In case of personal injury, the Company will compensate the driver by paying a percentage, which will vary depending on the personal injury, on the amount of €10.000. The percentages corresponding to each covered personal injury are set out in the Insurance Terms Handbook.

Cover is provided for the cost of spare parts as well as for replacement or repair work for damage caused to the windscreen and to the windows of the insured motor vehicle due to any external cause.

In addition, cover is provided for crystal tops, protective membranes and rain sensors. Windows, windscreens or sunroofs made of plastic or gelatine are not covered.

Cover is provided with a maximum limit of €600 for commercial vehicles and €1,000 for private vehicles.

If the damage is repaired by a partner company, payment is made directly by Anytime, without the Insured Person being charged. Otherwise, an excess of €50 will apply.

The third party liability cover is mandatory for all vehicles (including the trailer while it is towed by your vehicle), according to the applicable Law.

Cover is provided for the liability of the driver of the insured motor vehicle for damage caused from the use of the insured motor vehicle, up to the following limits:

Bodily injury: €38,600,000 (per claim)

Property damage: €1,300,000 (per claim)

Emergency hospitalisation: €85 (per person)

Third party liability coverage also includes passenger's liability whilst entering or exiting the insured motor vehicle.

The company's liability concerning this cover is included in the third party liability limit.

Cover is provided for any authorized driver other than the insured between 25-80 years of age and holders of a regular driving licence over 2 years.

Authorized drivers between 25-80 years of age, holders of a driving licence less than 2 yeas are covered only if this is declared.

Authorized drivers less than 25 years of age are covered only if this is declared.

If is declared that the vehicle will be driver by a driver less than 25 years of age then we provide cover for any authorized driver between 18-80 years of age.

Accident Care includes the following covers, which are provided for incidents that take place in Cyprus, on a 24-hour basis:

• Immediate service of the motor vehicle in the event of an accident, wherever the motor vehicle may be located.
• On-site recording of the accident and completion of the accident declaration.
• Photographing the scene of the accident and of the vehicles involved
• Collecting witnesses declarations.

Road Assistance includes the following covers, which are provided for accidents that take place in Cyprus and in Greece, on 24-hour basis:

• On-site service of the insured motor vehicle by a mobile repair crew, in any case of breakdown or accident
• Transportation of the motor vehicle to a repair shop or other location of choice. For accidents that took place in Cyprus, it is possible to transport the motor vehicle to a repair shop or to any other location within the district where the Insured Person permanently resides
• Immobilisation as a result of loss of keys
• Immobilization due to running out of fuel
• Tire change

The driver of the motor vehicle will be covered for an accident that takes place while driving, which leads to death or the serious injuries referred to in the relevant insurance term.

The amount of cover in the event of death is €10.000.

In case of personal injury, the Company will compensate the driver by paying a percentage, which will vary depending on the personal injury, on the amount of €10.000. The percentages corresponding to each covered personal injury are set out in the Insurance Terms Handbook.

Cover is provided for the cost of spare parts as well as for replacement or repair work for damage caused to the windscreen and to the windows of the insured motor vehicle due to any external cause.

In addition, cover is provided for crystal tops, protective membranes and rain sensors. Windows, windscreens or sunroofs made of plastic or gelatine are not covered.

Cover is provided with a maximum limit of €600 for commercial vehicles and €1,000 for private vehicles.

If the damage is repaired by a partner company, payment is made directly by Anytime, without the Insured Person being charged. Otherwise, an excess of €50 will apply.

The Company will compensate the Insured Person at the Current Market Value of the Motor Vehicle in case of Total Destruction or total loss as a result of: 1) fire or explosion, 2) any one the following natural perils: storm, hurricane, tornado, flood, hail, snow, hurricane, volcanic eruption or earthquake, 3) or complete theft.
As a condition for the payment of compensation, the Motor Vehicle must be withdrawn.
The covers of Fire (including Explosion), Natural Perils and Theft are also included in the Premium program, for partial and total loss. 

The Company provides cover for the cost of replacing the Motor Vehicle’s airbags in case they are destroyed as a result of a collision, impact, diversion, overturning or fall in case of an Accident caused by the Insured Person’s or the Authorized Driver’s fault.
The following are excluded from cover:
(a) Damage to the airbags in the event the Motor Vehicle suffers Total Destruction;
(b) Malfunctions in the operation of the airbag system, whether or not due to electrical or electronic interference.
Airbags are included in the Premium plan as well, beneath the cover of Own Damage

The Company covers the costs (up to 250€) of cleaning and draining the Motor Vehicle’s fuel tank incurred as a result of injecting the wrong fuel in the Motor Vehicle, but only when refuelling is carried out by the employee of a gas station lawfully operating in Cyprus.
The wrong fuel is inserted in the Motor Vehicle when such fuel differs from the fuel designated by the Motor Vehicle’s manufacturer.

The third party liability cover is mandatory for all vehicles (including the trailer while it is towed by your vehicle), according to the applicable Law.

Cover is provided for the liability of the driver of the insured motor vehicle for damage caused from the use of the insured motor vehicle, up to the following limits:

Bodily injury: €38,600,000 (per claim)

Property damage: €1,300,000 (per claim)

Emergency hospitalisation: €85 (per person)

Third party liability coverage also includes passenger's liability whilst entering or exiting the insured motor vehicle.

The company's liability concerning this cover is included in the third party liability limit.

Cover is provided for any authorized driver other than the insured between 25-80 years of age and holders of a regular driving licence over 2 years.

Authorized drivers between 25-80 years of age, holders of a driving licence less than 2 yeas are covered only if this is declared.

Authorized drivers less than 25 years of age are covered only if this is declared.

If is declared that the vehicle will be driver by a driver less than 25 years of age then we provide cover for any authorized driver between 18-80 years of age.

Accident Care includes the following covers, which are provided for incidents that take place in Cyprus, on a 24-hour basis:

• Immediate service of the motor vehicle in the event of an accident, wherever the motor vehicle may be located.
• On-site recording of the accident and completion of the accident declaration.
• Photographing the scene of the accident and of the vehicles involved
• Collecting witnesses declarations.

Road Assistance includes the following covers, which are provided for accidents that take place in Cyprus and in Greece, on 24-hour basis:

• On-site service of the insured motor vehicle by a mobile repair crew, in any case of breakdown or accident
• Transportation of the motor vehicle to a repair shop or other location of choice. For accidents that took place in Cyprus, it is possible to transport the motor vehicle to a repair shop or to any other location within the district where the Insured Person permanently resides
• Immobilisation as a result of loss of keys
• Immobilization due to running out of fuel
• Tire change

The driver of the motor vehicle will be covered for an accident that takes place while driving, which leads to death or the serious injuries referred to in the relevant insurance term.

The amount of cover in the event of death is €10.000.

In case of personal injury, the Company will compensate the driver by paying a percentage, which will vary depending on the personal injury, on the amount of €10.000. The percentages corresponding to each covered personal injury are set out in the Insurance Terms Handbook.

Cover is provided for the cost of spare parts as well as for replacement or repair work for damage caused to the windscreen and to the windows of the insured motor vehicle due to any external cause.

In addition, cover is provided for crystal tops, protective membranes and rain sensors. Windows, windscreens or sunroofs made of plastic or gelatine are not covered.

Cover is provided with a maximum limit of €600 for commercial vehicles and €1,000 for private vehicles.

If the damage is repaired by a partner company, payment is made directly by Anytime, without the Insured Person being charged. Otherwise, an excess of €50 will apply.

Cover is provided for damage caused to the insured motor vehicle as a result of fire as well as explosion, however no cover is provided where the damage is caused by strikes, riots and civil unrest.

The compensation amount will be calculated according to the vehicle market value in the date of the accident but not more than the insured value declared on the Policy Schedule

Cover includes:

• Compensation for parts or spare parts stolen from the motor vehicle, which are permanently attached or fixed on the vehicle and which are necessary for its safe movement and operation.
• Compensation for stolen sound, video, navigation and telecommunication systems at their full value, provided they have been installed by the factory where the motor vehicle was manufactured. If these systems were installed in the vehicle at a later stage, the total amount of compensation will be up to €500.
• Damage caused to the body of the motor vehicle at the time of removal and/or attempted removal of the items or spare parts mentioned above and which is caused by the thief cause in his effort to gain access to the interior of the motor vehicle.
• Compensation up to €150 for the replacement of keys or locks, in the event that the keys of the motor vehicle are stolen or lost.
• Any damage caused to the vehicle while in the possession of the thief.
• For the cover to be provided the theft should be declared to the police and company receives a relevant Police Report.
• The compensation amount will be calculated according to the vehicle market value in the date of the accident but not more than the insured value declared on the Policy Schedule.

Cover is provided where the insured motor vehicle is stolen. The compensation amount will be calculated according to the vehicle market value in the date of the theft, but not more than the insured value declared on the Policy Schedule.

The claim will be covered 28 days after the date on which the vehicle has been reported to the Police as stolen, provided that the motor vehicle (either in whole or in part) has not been found by the competent authorities.

Cover is provided for damage caused to the insured motor vehicle directly by storm, thunderstorm, tornado, flood, hail, snow, hurricane, volcanic eruption or earthquake, but not from frost.

The compensation amount will be calculated strong according to the vehicle market value in the date of the accident but not more than the insured value declared on the Policy Schedule

Cover is provided for damage caused to the Insured Items not as a result of fire or explosion but resulting from:

• Strikes
• Riots
• Civil Commotion

Cover is provided for damage caused to the insured motor vehicle as a result of an accident, impact, collision, diversion, overturning or fall in case of an accident, regardless of whether the driver is at fault, unless the damage was caused while the insured motor vehicle was not under the lawful owner’s possession following theft or robbery or the damage was caused due to poor maintenance or while the vehicle was being driven on roads where movement is prohibited by the Authorities.

The compensation amount will be calculated according to the vehicle market value in the date of the accident but not more than the insured value declared on the Policy Schedule.

Cover is provided for malicious damage caused to the insured motor vehicle on purpose by a person with the intention to cause vandalism or sabotage, provided that such damage has not been caused by fire or explosion and was not caused during any strike, lockout, riot, civil commotion, acts of terrorism and disruption of public order.
The compensation amount will be calculated according to the vehicle market value in the date of the accident but not more than the insured value declared on the Policy Schedule

If, due to the damage that is covered by the Insurance Policy, the insured motor vehicle must remain in a garage for repairs, the following is provided to the Insured Person for a period of up to 15 days:

replacement vehicle or
daily compensation up to €20 per day

In case the Motor Vehicle suffers Total Destruction or total loss covered by an Optional Cover provided by the Insurance Policy, and provided that the Motor Vehicle’s age is less than two years since its first registration (regardless of the country where the registration took place), the Company, instead of paying compensation, will replace it with a new one, of the same type and model, subject to such new vehicle being available in the Cypriot market.

The Company provides cover for loss or damage (up to 200€) to personal items owned by the Insured Person that are located in the Motor Vehicle in case such loss or damage is caused by fire, explosion, thunder or burglary.

The following are excluded from cover:
(a) Money, jewelry and items made of gold or silver;
(b) Cameras, laptops and phones, as well as other electronic devices;
(C) Items used for the Insured Person’s profession or work.

The Company covers the costs (up to 250€) of cleaning and draining the Motor Vehicle’s fuel tank incurred as a result of injecting the wrong fuel in the Motor Vehicle, but only when refuelling is carried out by the employee of a gas station lawfully operating in Cyprus.
The wrong fuel is inserted in the Motor Vehicle when such fuel differs from the fuel designated by the Motor Vehicle’s manufacturer.