Comprehensive Cover

This concerns the insurance policy that covers the legal liability of the Insured and authorized drivers for the payment of compensation to third parties, loss or damage to the motor vehicle as a result of any cause that is not excluded.

BENEFITS

Full Vehicle Coverage

Provision of coverage for loss of or damage to the motor vehicle as a result of any cause that is not excluded.

Various types of Optional Coverage

Provision of medical cover to drivers.

Optional Coverage for Natural Disasters

Possibility of additional coverage in case of any damage caused by hail, storm, earthquake or flood.

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, motorcycle). This product falls under the Motor Insurance Sector.

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 covers of the Insurance include:
- Legal liability to indemnify third parties
- Loss of or damage to the motor vehicle caused by any peril occured in Cyprus and is not specifically excluded. (in the areas where the Government of the Republic of Cyprus exercises effective control)
- Legal liability of the insured to indemnify third parties related to driving any other Vehicle (excluding motorcycles, bus, lorry or special type vehicle) occured in Cyprus (in the areas effectively controlled by the Republic of Cyprus) not belonging to him / her, his / her employer or partner and not rented to them
- 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’
- Service "24 Hours Sinodigos"
Additional Coverage
Optional Covers are offered, depending on the type of motor vehicle, such as:
- Cover for the breakage of glass in the windscreen or windows, that does not entail either a premium increase following the submission of the claim, or the application of any excess
- Indemnity for the damages caused to the motor vehicle whilst being towed
- Personal accident coverage for the insured and the authorised drivers in connection with the use of the motor vehicle
- Loss of or damage to the motor vehicle whilst being towed caused by any peril that is not specifically excluded
- Loss of use or temporary replacement of the motor vehicle following loss of or damage to the insured motor vehicle
- Loss of or damage to personal belongings caused by fire or theft
- Loss of or damage to the motor vehicle caused by flood, storm, hurricane, hail or earthquake
- Loss of or damage to the motor vehicle caused by riots and strikes
- No claims discount protection
- Medical coverage of the Insured and the authorised 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 transported by the motor vehicle
any passenger who is unlawfully carried in or upon the motor vehicle
property belonging to or 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 alcohol or drugs
using the insured motor vehicle as a tool
consequential damage, mechanical or electrical damage, tire wear
storm, hurricane, hail, earthquake, riot or strike
overloading the motor vehicle

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