An insurance package covering the Motor Vehicle and its drivers’ legal liability due to their negligent acts or omissions.

Includes a series of insurance covers (more than 15 basic covers) without the payment of extra premium including:

  • driving another vehicle of the same type
  • personal accident cover of the driver and his/her spouce
  • windscreen cover up to € 854
  • temporary vehicle replacement up to 10 days
  • flood, storm and tempest cover and other natural perils

What does the Motor Plus 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) in connection with 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 (including flood, storm, hurricane, hail, earthquake, riot and strike) that occurred in Cyprus. (the areas of the Republic of Cyprus in which the Goverment of the Republic exercises effective control).
  • The Insured’s legal liability to indemnify third parties in connection with the driving of any other private saloon 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, or his/her employer or partner and not hired to them.
  • The 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’
  • Personal accident cover for the Insured and his/her spouse in connection with the use of the Motor Vehicle
  • Cover for the breakage of glass in the windscreen or windows that does not entail either a premium following the submission of a claim or the application of any excess.
  • Loss of or damage to personal effects caused by fire or theft
  • Loss of use or temporary replacement of the Motor Vehicle following loss of or damage to the Motor Vehicle
  • the service "24 hours synodigos".


What does the Motor Plus Policy exclude?

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

  • War, acts of terrorism, loss of or damage to property resulting or liability arising from nuclear weapons material and radioactive contamination, any premeditated act, which amounts to a crime according to the Criminal Law.
  • Damage to property belonging to or held in trust by or in the custody or control of the Insured or any person claiming to be indemnified under this Policy.
  • Loss of or damage to permanent consolidate entertainment equipment, communication equipment or electronic navigation equipment of total value exceeding € 683 for any occurrence.
  • Loss of value, loss of use, deprecation wear and tear, mechanical or electrical failure, damage to tyres.
  • Indemnity if the person driving was under the influence of intoxicating liquor or drugs.


Who can Benefit from the Motor Plus Policy?

Owners of private (saloon) Motor Vehicles ONLY.
 

Some Advantages of the Motor Plus Policy

  • Compensation for bodily injury to the members of the driver’s family riding in the Motor Vehicle
  • Cover of the loss of or damage to the Motor Vehicle caused by flood, storm, hurricane, hail, earthquake, riot and strike.
  • Cover of the cost of removal of the Motor Vehicle to the nearest garage
  • The service "24 hours Synodigos"
  • Replacement of the Motor Vehicle by a new one of the same make and model if the damage exceeds 50% of its official purchase price in the case of an accident occurring within the first 12 months from its date of purchase as brand new, or if the Motor Vehicle is lost by theft during that period.
  • Drivers` Medical Insurance cover
    • * A wide range of optional covers

 

Basic Covers

  • Legal liability to indemnity 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)
  • The Insured’s legal liability to indemnify third parties in connection with the driving of any other private saloon 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, 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’.
  • Cover for the breakage of glass in the windscreen or windows, up to € 854, that does not entail either a premium increase following the submission of a claim, or the application of any excess.
  • Personal accident cover for the Insured and his/her spouse (up to € 8543) in connection with the use of the Motor Vehicle.
  • Loss of use or temporary replacement of the Motor Vehicle following loss of or damages to the Motor Vehicle (€ 13 per day for 10 days).
  • Loss of or damage to personal effects caused by fire or theft (up to € 171)
  • Loss of or damage to Motor Vehicle caused by flood, storm, hail, earthquake
  • Loss of or damage to Motor Vehicle caused by riot and strike

Also

  • Replacement of the Motor Vehicle by a new one of the same make and model, if the damage exceeds 50% of its official purchase price in the case of an accident occurring within the first 12 months from its date of purchase or if the Motor Vehicle is lost by theft during that period.
  • No restriction to the number of passengers riding the Motor Vehicle.
  • No restriction to the number of passengers not occupying a seat in the Motor Vehicle
  • the service "24 hours synodigos"
     

Optional Covers

  • Indemnity for the payment of damages whilst the Motor Vehicle is being towed
  • Loss of or damage to Motor Vehicle whilst being towed caused by any peril that is not specifically excluded.
  • No Claims Discount Protection.
  • Medical cover of the insured and the authorised drivers of the insured vehicles 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 12:25:20