PERSONAL INSURANCE
MOTOR VEHICLES – SILVER, GOLD & PLATINUM
Two basic insurance types are available:
(a) Third Party Liability Insurance which includes the cover compulsory by legislation relating to the insured’s liability to pay compensation to third parties in respect of causing death, bodily injury or damage to property and
(b) Comprehensive Insurance which includes the compulsory insurance cover and also, provides cover against accidental loss or damage to the insured vehicle.
Both types of basic insurance include Road Assistance and Accident Care Services.
The Company designed three separate schemes of insurance packages Silver, Gold, Platinum, which accordingly, include the basic insurance cover and also, include a wide range of preselected additional covers and benefits, offering you the choice of the scheme that best suits your requirements.
Third Party Liability Insurance
All three packages of Third Party Liability Insurance provide to the insured the basic insurance cover and also, offer to the insured a series of preselected additional covers and benefits, as stated in the table below:
Silver
Gold
Platinum
Bodily Injury to or Death of any Third Party Person
✓
✓
✓
Damage to Third-Party Property
✓
✓
✓
Driving beyond the limits of a “Road”
✓
✓
✓
Liability of the vehicle’s passengers to Third Parties
✓
✓
✓
Road Assistance Services
✓
✓
✓
Accident Care Services
✓
✓
✓
Extension of “Third Party” Cover for Driving Other Cars by the Insured (*)
Third-Party Liability for Trailers
Breakage of Glass in Windscreen or Windows (**)
✓ (€500)
✓ (€1.000)
Personal Accident to Authorised Driver
✓ (€3.500)
✓ (€5.000)
Defence Costs
Claims Loading Waiver
✓
Comprehensive Insurance
All three packages of Comprehensive Insurance provide to the insured the basic insurance cover and also a series of preselected additional covers and benefits, as stated below:
Silver
Gold
Platinum
Bodily Injury to or Death of any Third Party Person
✓
✓
✓
Damage to Third-Party Property
✓
✓
✓
Driving beyond the limits of a “Road”
✓
✓
✓
Liability of the vehicle’s passengers to Third Parties
✓
✓
✓
Road Assistance Services
✓
✓
✓
Accident Care Services
✓
✓
✓
Loss or Damage to the Insured Vehicle
✓
✓
✓
Malicious Damage
✓
✓
✓
Fire
✓
✓
✓
Theft
✓
✓
✓
Extension of “Third Party” Cover for Driving Other Cars by the Insured (*)
Third-Party Liability for Trailers
Breakage of Glass in Windscreen or Windows (**)
✓ (€1.000)
Personal Accident to Authorised Driver
✓ (€3.500)
✓ (€5.000)
Loss of or Damage to the Insured’s Personal Effects
✓ (€500)
✓ (€500)
Loss of Use of Vehicle
✓
Natural Perils
✓
Strike, Lock-Out, Riot and Civil Commotion
✓
Replacement of Motor Vehicle with New
✓
Defense Cost
✓ (€3.000)
Claims Loading Waiver
✓
NOTES
(*) Available to Private Vehicles and applicable only in Cyprus, provided the Insured is between 23 and 75 years of age and is a holder of a full driving licence for a period exceeding 2 years. Not offered to joint-policyholders and legal entities.
(**) Increased amount of cover for Breakage of Glass in Windscreen or Windows is provided, by the payment of an additional premium.