CNP ΑΣΦΑΛΙΣΤΙΚΗ - Third Party Liability, Fire & Theft

Third Party Liability, Fire & Theft

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.


Coverage of Loss or Damage

Loss or damage as a result of fire or theft.

Various types 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.


Owners of motor vehicles (private, commercial). This product falls under the Motor Insurance Sector.




  • Basic Coverage

    The Basic Covers of the Insurance Policy include:

    • 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 of or damage to the motor vehicle caused by fire, self-ignition, lightning, explosion, theft or attempted theft that occurred in Cyprus (In the areas of the Republic of Cyprus in which the government of the Republic exercises effective control)
    • 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 windscreen or other windows, keeping the premium at the same level following the claim submitted 
    • Indemnity for the damages caused to the motor vehicle whilst being towed
    • Service "24 Hours Sinodigos"
  • Additional Coverage

    Additional Coverage, depending on the type of motor vehicle, such as:

    • Personal accidents of the insured and the authorized drivers related to the Motor Vehicle
    • Loss of or damage to the motor vehicle whilst being towed caused by fire, lightning, explosion, theft or attempted theft
    • Premium protection of submitted claims
    • Medical cover of the insured and the authorized drivers of the insured vehicle following a motor accident and / or medical cover of the insured or other drivers specified while driving any motor vehicle (excluding motorcycles, buses, lorries or special types vehicle) following a motor accident


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 transferred 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 drugs or alcohol
  • using the insured motor vehicle as a machine
  • consequential damage
  • motorcycle spare parts unless the motorcycle is stolen itself

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