Collision Damage Coverage in Cyprus

If you do not have fully comprehensive insurance, you can purchase a separate policy to cover your vehicle in the event of a collision with another vehicle, where you are at fault. This additional coverage helps protect you from costly repairs and financial loss.

What Does This Policy Cover?

• Covers damage to your vehicle in the event of a collision with another vehicle where you are at fault.
• Provides coverage up to a pre-determined amount in Turkish Lira (TL) for repairs.
• A police report is mandatory for the claim to be valid.
• This policy does not cover any incidents other than collisions involving another vehicle.

When is Your Car Not Covered?

Car insurance in Cyprus is straightforward and easy to understand. However, your insurance becomes immediately invalid if there is any involvement of alcohol and/or drugs.

Additionally, you must follow the correct claims procedures after an accident or damage to your vehicle. Failure to follow the necessary steps may result in your claim being denied.

For a free no obligation quotation, you can contact an English speaking member of staff on 0533 833 0841 or a Turkish speaking member of staff on 0533 855 53 23 or you can email us on [email protected].

Fully Comprehensive Car Insurance in Cyprus

With Fully Comprehensive Insurance, your vehicle is covered for a wide range of eventualities, providing you with complete peace of mind. This includes protection against natural disasters, accidents, theft, and more.

What Does Fully Comprehensive Insurance Cover?

• Natural Disasters: Protection against floods, earthquakes, and storms.
• Fire, Theft, and Malicious Acts: Coverage for damage caused by fire, theft, or vandalism.
• Collisions: Covers damage from any kind of collision, regardless of fault.
• Greek Side Coverage: Fully comprehensive coverage is available in Southern Cyprus. However, you must also purchase the Greek standard third-party policy to enter the South.
• Free Breakdown & Car Hire Cover: Available twice per year for up to 4 days, starting after the first 24 hours your car is off the road.

Eligibility for Fully Comprehensive Insurance

Normally, fully comprehensive coverage is available for cars up to 10 years old. However, if your vehicle is in good condition, we may be able to extend coverage for cars up to 15 years old.

Important: Before issuing a fully comprehensive policy, we must take photographs of your car as part of the assessment process.

Alternative Option: Kısmi Kasko

If your car is too old or you cannot afford fully comprehensive coverage, we offer an alternative option called Kismi Kasko, which provides partial coverage at a lower cost.

When is Your Car Not Covered?

Car insurance in Cyprus is straightforward and should be easily understood. However, your insurance becomes immediately invalid if there is any involvement of alcohol and/or drugs.

Additionally, it is crucial to follow the correct claims procedures after an accident or any damage to your vehicle. Failure to adhere to these procedures may affect your ability to make a claim.

For a free no obligation quotation, you can contact an English speaking member of staff on 0533 833 0841 or a Turkish speaking member of staff on 0533 855 53 23 or you can email us on [email protected].

Car Insurance in Cyprus – What You Need to Know

In Cyprus, it is compulsory to have Third Party Car Insurance, and you cannot legally drive without this policy. This insurance covers you in the event of an accident where you are liable, ensuring protection for damages caused to another vehicle.

Differences Between Cyprus and European Third Party Insurance

However, it is important to note that Third Party Insurance in Cyprus is different from that in the UK or other European countries. Specifically:

• It does not cover your own vehicle for fire or theft.
• It only covers damage to the other vehicle and provides coverage of up to 500,000 TL.
• You can increase the coverage limit for an additional premium.

Changes in Car Insurance Regulations in Cyprus

In the past, there was no central database to track insurance customers and accident histories across the island. However, a nationwide insurance claims database has now been introduced. This allows all insurance companies and agents to access previous claims and accident records, ensuring a more transparent and fair system for pricing policies.

How Your Insurance Premium is Calculated

The cost of your car insurance is determined by various factors, including:

• Your age
• The age of your vehicle
• The engine size of your vehicle
• Your previous claims history

You can choose between:

• Named Driver Policies – Covers only specific drivers listed on the policy (cheaper option).
• Any Driver Policies – Covers any licensed driver operating the insured vehicle (more expensive).

Expert Car Insurance Advice from Azant Group

At Azant Insurance Agency, we work with Zirve Sigorta to provide expert car insurance advice and ensure you understand the best options for your vehicle. Our team will help you navigate the terms and conditions, ensuring you get the most suitable and cost-effective policy available.

If peace of mind is what you are looking for, look no further than Azant Insurance Agency!

What Does Third Party Insurance Cover?

• Medical Expenses: Standard Third-Party Insurance includes 8 million TL in medical coverage if you injure a third party in an accident.
• Property Damage: Coverage for damages to another vehicle up to 500,000 TL (this amount can be increased with an additional premium).

For a free no obligation quotation, you can contact an English speaking member of staff on 0533 833 0841 or a Turkish speaking member of staff on 0533 855 53 23 or you can email us on [email protected].