Third Party Liability, Fire & Theft

This constitutes a comprehensive insurance program covering the liability of drivers of the motor vehicle as a result of their negligent acts or omissions, as well as for loss of or damage caused to the Insured motor vehicle by fire or theft.

BENEFITS

Coverage of Loss or Damage

Loss or damage caused as a result of fire or theft.

Multitude of Optional Coverage

Provision of medical cover to drivers.

Optional Protection of Premium

Protection of premium as a result of a claim.

24 Hours Sinodigos

Provision of Road Assistance and Accident Care Services by independent providers, 24 hours a day, 365 days a year.

WHO IS THIS FOR

Owners of motor vehicles (private, commercial). The Third Party, Fire and Theft Liability Insurance Policy falls under Motor Insurance Class.

HOW TO GET IT

HOW DOES IT WORK

You deposit an annual insurance fee that is tailored to your needs on the covers you choose.

CHARACTERISTICS & OPTIONS

Basic Coverage
The basic coverage of the Insurance Policy includes:
- Legal liability for the compensation of damages to third parties in Cyprus (in the areas effectively controlled by the Republic of Cyprus)
- Legal liability of the insured to indemnify third parties related to driving of any other vehicle (excluding motorcycles, bus, lorry or special type vehicle) occured in Cyprus (the areas of the Republic of Cyprus in which the Government of the Republic exercises effective control) not belonging to him / her, his / her employer or partner and not rented to them
- Loss or damage to the motor vehicle caused by fire, self-ignition, lightning, explosion, theft or attempted theft that occurred in Cyprus (in the areas effectively controlled by the Republic of Cyprus)
- Legal liability of the passengers to indemnify third parties
- Use of the motor vehicle that extends beyond the scope of the legal definition of the term 'road'
- Coverage of breakage of the windshield and other windows, maintaining the insurance at the same level after the submitted claim
- Liability for the payment of damages whilst the motor vehicle was being towed
- "24 Hours Sinodigos" service
Additional Coverage
The Additional Coverage, depending on the type of motor vehicle, includes:
- Personal accidents of the insured and the authorized drivers related to the motor vehicle
- Loss or damage to the motor vehicle whilst being towed caused by fire, lightning, explosion, theft or attempted theft
- Premium protection of claims submitted
- Medical insurance coverage of the insured and the authorized drivers of the insured vehicle following a motor accident and/or medical coverage of the insured or other drivers specified while driving any motor vehicle (excluding motorcycles, buses, lorries or special types vehicle) following a motor accident

COVER EXCEPTIONS

The policy is subject to certain exclusions, some of which are:

war, acts of terrorism, nuclear radiation and environmental pollution, any premeditated act which is a felony according to the Criminal Law
property being loaded or unloaded or being transported by the Motor Vehicle
any passenger who is unlawfully carried in or upon the Motor Vehicle
property belonging to or is in the possession, custody or control of the Insured or any person claiming to be indemnified under this Policy or a member of their household
driving under the influence of drugs or alcohol
using the insured Motor Vehicle as a tool
consequential damage
motorcycle accessories unless the motorcycle is also stolen

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