A comprehensive programme that covers the authorised driver`s legal liability to Third Parties plus loss of or damage to the insured vehicle.

By buying this insurance cover, you will automatically get without any extra premium charge beyong the road driving cover, passengers liability cover, driving other private vehicle and the benefits of "24 hours Synodigos" Service. You may also add on the basic cover a series of optional covers.

What does the Comprehensive Insurance Policy Cover?

The Policy covers:

  • The Insured’s and the authorised drivers’ legal liability to indemnify third parties (including passengers of the insured Motor Vehicle other than the driver) for the death or bodily injury, emergency hospitalisation and loss or damage to their property caused by the use of a Motor Vehicle on a ‘road’ in Cyprus (the areas of the Republic of Cyprus in which the Goverment of the Republic exercises effective control) or in a country which signs the Multiteral Guarantee Agreement.
  • Loss of or damage to the Motor Vehicle caused by a peril that is not specifically excluded that occurred in Cyprus. (the areas of the Republic of Cyprus in which the Goverment of the Republic exercises effective control) in the government controlled areas.
  • The Insured’s legal liability to indemnify third parties in connection with the 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 Goverment of the Republic exercises effective control) not belonging to him/her or his/her employer or partner and not hired to them.
  • The legal liability of the Passengers to indemnify third partiesUse of the Motor Vehicle that extends beyond the scope of the legal definition of the term ‘road’
    • *A wide range of optional covers is also offered, as described in Paragraph "Optional covers".


What does the Comprehensive Insurance Policy exclude?

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

  • All the exclusions applicable under the Third Party Insurance Policy.
  • Consequential loss, mechanical or electrical failure, damage to tyres.
  • Storm, tempest, hurricane, hail, earthquake, riots, strikes.
  • Overloading of the Motor Vehicle.


Who can Benefit from the Comprehensive Insurance Policy?

Owners of Motor Vehicles (private, commercial, motorcycles).
 

Some Advantages of the Comprehensive Insurance Policy

  • Cover for loss of or damage to the Motor Vehicle caused by any peril that is not specifically excluded
  • Cover for the cost of removal of the Motor Vehicle to the nearest garage
  • Optional cover for loss of or damage to the Motor Vehicle caused by flood, storm, hurricane, hail, earthquake
  • Optional cover for the driver`s medical expenses resulting from an accident involving the Motor Vehicle.
  • A wide range of optional cover
  • Service "24 hours synodigos"
  • Drivers medical insurance cover


Basic Covers

  • Legal liability to indemnify third parties
  • Loss of or damage to the Motor Vehicle caused by any peril that is not specifically excluded that occurred in Cyprus. (the areas of the Republic of Cyprus in which the Government of the Republic exercises effective control).
  • Legal liability of the Insured to indemnify third parties in connection with the driving of any other Vehicle not belonging to him/her (excluding motorcycles, bus, lorry or special type vehicle) occured in Cyprus (the areas of the Republic of Cyprus in which the Goverment of the Republic exercises effective control) not belonging to him/her or his/her employer or partner and not hired 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 synodigos"
     

Optional Covers

  • 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 payment of damages whilst the Motor Vehicle is being towed
  • Personal accident cover 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 effects caused by fire or theft
  • Loss of or damage to the Motor Vehicle caused by flood, storm, hurricane, hail, earthquake
  • Loss of or damage to Motor Vehicle caused by riots and strikes
  • No Claims Discount Protection
  • Medical cover of the insured and the authorised 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
Last Updated: 2010-11-22 12:25:08