Find the car insurance in Cyprus that fits your needs
Comprehensive car insurance
Verified insurance agent
Receive a free quote
🚗Description
Motor insurance coverage is mandatory in Cyprus under the Motor Vehicle Law (Third Party Liability Insurance). Drivers with this insurance are protected for their legal responsibility to compensate third parties for bodily injury and/or property damage. Get an integrated motor insurance packages that provide comprehensive and timely solutions at affordable prices.
🚨24h assistance service
On site repairs
Towing to service station
On site refuelling
Replacement of damaged tyre
Unlocking
Battery jump start
🛡️Cover packages
Blue
Silver
Platinium
THIRD PARTY COVER
✅
✅
✅
Driving other motor vehicles of private use
✅
✅
✅
Driving beyond the road limits - off the road
✅
✅
✅
Passengers' liability
✅
✅
✅
Trailer use cover
✅
✅
✅
Windscreen and windows cover
✅
✅
✅
Personal accident to authorised drivers
✅
✅
✅
No claims protection cover
✅
✅
✅
Use for official duties
✅
✅
✅
Care of residence
✅
✅
✅
Accident care
✅
✅
✅
AUTOHELP Road Assistance
✅
✅
✅
FIRE & THEFT
❌
✅
✅
COMPREHENSIVE
❌
❌
✅
Loss of use of vehicle
❌
❌
✅
Bursting of tyres
❌
❌
✅
Indemnity for fire at residence due to fire
❌
❌
✅
Loss of personal effects - loss or damage to personal effects
❌
❌
✅
Replacement of motor vehicle
❌
❌
✅
Natural hazards
❌
❌
✅
Strikes, lock-outs, riots and civil commotion
❌
❌
✅
Safeguarding the family
❌
❌
✅
No claim discount
❌
❌
✅
How we work
Fill out the insurance form
Fill out our insurance quote to provide us the minimum information required to edit a free quote.
Our insurance agent calls you
Get the chance to speak about your project, get a free quote, and advices from an experienced insurance agent.
Sign your insurance contract
You believe the insurance premium proposed is the right fit for you? Sign your insurance contract to start your insurance policy!
About me
“In 2021, I relocated from France to Cyprus…
During this phase, I experienced firsthand the challenges faced by expats: What are the steps? What documents are required? Which law firm can I really trust? etc.
After some bumps in my relocation, I decided to help expats moving to Cyprus by creating a relocation agency (beincyprus.com).
To achieve this goal, I spent hours creating the most efficient relocation process possible and partnering with trusted partners (accountants, lawyers, insurance and real estate agents) to create my relocation dream team!
I am now proud to make these resources available to you and to help you and your family relocate to Cyprus safely and efficiently.
So if you are thinking relocating to Cyprus, get in touch with me and let’s discuss your amazing project!”
Marc-Antoine Thiriat Founder of beincyprus
Why Choose Us
Verified professionals
We carefully select our partners according to strict criteria
Transparent fees
You are ensured to receive the same prices as the locals
Dedicated project manager
A project manager supports you in every step of your journey
Cyprus is increasingly becoming a hotspot for expatriates, retirees, and tourists alike. As the influx of people grows, so does the need for Car Insurance in Cyprus. Below we will fill that knowledge gap, offering valuable insights into the different aspects of car insurance in the country.
Understanding the ins and outs of vehicle insurance is essential for anyone planning to drive in Cyprus. Insurance not only provides financial protection but is also a legal requirement. We understand that navigating through insurance policies can be daunting, but beincyprus.com has your back. Our platform connects readers with trusted professionals in the field. Now, let’s delve into why car insurance in Cyprus is mandatory, the types available, and how to make an informed choice.
Why Car Insurance is Mandatory in Cyprus
Driving in Cyprus without insurance isn’t an option; it’s a legal requirement. The need for mandatory insurance is all about ensuring that every driver has some level of financial accountability. If you’re involved in an accident, the least you should worry about is the financial toll; that’s what insurance is for.
Cyprus adheres to the EU directives regarding motor insurance. This ensures that not only Cypriots but also residents from other EU countries find it straightforward to understand the insurance landscape here. In addition to financial protection, mandatory insurance serves to keep road safety standards high, safeguarding all road users’ well-being.
According to recent data, Cyprus has seen an increase in road accidents over the past few years. This rise correlates with the growing number of registered vehicles, underscoring the importance of mandatory insurance for everyone’s protection.
If you’re unclear about the specific requirements for your insurance in Cyprus, our team of professionals at beincyprus.com can guide you. This way you will ensure that you’re both legally compliant and adequately covered.
Tips for Expatriates Seeking Car Insurance in Cyprus
Being an expatriate brings its own set of challenges when it comes to insuring a vehicle in a new country. Here are some tailored insights and tips to ensure a smoother process:
Research is Key: Before choosing an insurance policy, familiarize yourself with the local laws and regulations. Although Cyprus adheres to EU directives, there might be region-specific stipulations you should be aware of.
International Driving Licenses: Ensure your international driving license is recognized in Cyprus. While most are, it’s a good practice to check and, if necessary, convert it to a local one.
Claims History: If you had a motor insurance policy in your home country, try to get a claims history report. Some Cypriot insurers might give you a discount based on a good driving record overseas.
Beware of Differences in Coverage: Just because a particular type of coverage was standard or mandatory in your home country doesn’t mean it’s the same in Cyprus. Always verify inclusions and exclusions.
Factor
UK
Cyprus
Minimum Required Coverage
Third-party only
Third-party only
Average Annual Premium
£500 (approx.)
€350 (approx.)
No-claims Bonus Recognition
Widely Recognized
Some Insurers Recognize
Coverage for Windshield
Often as an additional package
Typically included in comprehensive
Table 1: Comparing Car Insurance Practices: UK vs. Cyprus
Types of Car Insurance in Cyprus
Car insurance in Cyprus is typically divided into two categories: Comprehensive Insurance and Third-Party Insurance. Each has its own set of coverages, limitations, and costs. Your choice between the two should align with your personal needs, the value of your car, and your budget.
Comprehensive Insurance: This type of insurance offers the most extensive coverage. It includes third-party liability and adds protection against damages to your own car, theft, and sometimes even roadside assistance. Comprehensive insurance is usually recommended for new or high-value cars.
Third-Party Insurance: This is the basic level of insurance required by law in Cyprus. It covers damages or injuries you cause to other people or property. However, any damage to your own vehicle is not covered under this policy.
Type
Coverage
Recommended For
Comprehensive Insurance
Third-party liability, damages to own car, theft, roadside assistance.
New or high-value cars
Third-Party Insurance
Damages or injuries to other people or their property. Does not cover your own vehicle damage.
Basic, legally required coverage
Table 2: Types of Car Insurance in Cyprus
Factors Affecting the Cost of Car Insurance in Cyprus
Your Age: Generally, younger drivers face higher rates as they are considered riskier.
Your Driving History: A clean driving record can significantly reduce your insurance costs.
Vehicle Type: Luxury cars or SUVs usually command higher rates because of their high repair costs.
Location-Specific Factors: Where you reside in Cyprus can affect your premiums. For instance, if you’re looking for car insurance in Paphos Cyprus, you might find rates different than in Limassol or Nicosia. This is because of the differing traffic conditions and crime rates.
Additional Coverages: Optional coverages like windshield protection or personal accident cover will also affect the final premium. Always weigh the cost against the benefit before adding any extras to your policy.
Additional Coverage
Description
Impact on Premium
Windshield Protection
Covers costs related to windshield damage or breakage.
Slight Increase
Personal Accident Cover
Provides a payout in case of personal injuries during an accident.
Moderate Increase
Roadside Assistance
Offers support in cases of vehicle breakdowns or other emergencies.
Slight Increase
Table 3: Popular Additional Coverages and Their Impact on Premium
If all these factors seem overwhelming, don’t worry. beincyprus.com is here to connect you with industry professionals to tailor advice specifically for you. This way, you’ll ensure that you get the coverage you need at a price you can afford.
To Sum Up
Having the right car insurance in Cyprus is not just a legal necessity but also a practical one. From third-party liability to comprehensive coverage, understanding what’s available and how premiums are determined can save you both time and money. With beincyprus.com, you’re better equipped to make an informed choice.
Car insurance, like many decisions in life, requires a blend of research, expert consultation, and intuition. While the research phase has been largely addressed, leaning on beincyprus.com’s professional guidance can make the decision-making process smoother. Remember, beyond just legal compliance, the right insurance policy is about peace of mind, ensuring that you can journey through Cyprus’s beautiful landscapes without worry.
As Cyprus continues to attract a diverse range of individuals for work, business, or retirement, the demand for information on insurance will grow. Stay updated, drive safely, and always prioritize your safety and well-being, along with that of others on the road.