Motor on Pitsas Insurance

Motor Insurance in Cyprus in 2025. A complete guide.

Thu, 21 Dec 2023 00:00:00 +0000

Motor Insurance Cyprus

It’s not easy for inexperienced drivers and foreign nationals to buy the correct type of motor insurance policy in Cyprus.

To make matters a little more complicated, there are many motor insurance contracts to choose from, all with varying terms.

In addition, the claims handling process in Cyprus isn’t as straightforward compared to other countries.

Cypriot insurance companies have unique claim management procedures, and their willingness to pay claims varies significantly. Therefore, the premium rates and claim satisfaction ratios in Cyprus vary greatly.

Car insurance in Cyprus. A complete guide to car insurance in Cyprus in 2026

Sun, 10 Dec 2023 00:00:00 +0000

Car insurance Cyprus

Acquiring the correct car insurance in Cyprus can be difficult, especially if you are an inexperienced driver or not a Cypriot national.

In addition, there is a large spectrum of car insurance contracts to choose from, with significant differences in terms.

Cypriot insurance companies also have unique claim management procedures that differ from their competition. Therefore, the ability and willingness of these companies to pay claims vary significantly.

Does Liability Insurance Cover Theft? Everything You Need To Know

Thu, 13 Jul 2023 00:00:00 +0000

Does Liability Insurance Cover Theft Overview

Does liability insurance cover theft? Unfortunately, many of us have had to ask ourselves that question from experience. It’s bad enough to be at the location where you last parked your car only to find out it’s been stolen. Then, not surprisingly, it’s even worse when you realize you don’t have the type of insurance to cover the loss.

We cover more than liability insurance and car incidents such as theft at Pitsas Insurances. We also like to ensure that our customers understand their many insurance options, so in this article, we will ask the right questions surrounding liability insurance and theft.

Car Insurance Deductible: What is a Deductible in Car Insurance?

Tue, 21 Jun 2022 00:00:00 +0000

What is a car insurance deductible?

It is the amount you must pay when filing an insurance claim.

For instance, if your standard deductible is €400 and your repair bill is €3,000, you’ll have to pay €400, with the insurance company paying the remainder.

Bear in mind that the deductible only applies under certain conditions. For instance, you must pay it when you or someone who is covered by your insurance is driving your vehicle, and you or they have caused the accident.

The procedure for use and exchange of foreign driving licenses in Cyprus

Sat, 04 Sep 2021 00:00:00 +0000

Foreigners arriving in Cyprus can drive vehicles using a valid international driving license or national driving license, provided that this license is valid for the class of the vehicle they wish to drive.

However, after a certain period of time, the driving license of most foreign countries must be replaced with a Cypriot driving license.

Use of a foreign driving license in Cyprus

In terms of use and exchange, foreign driving licenses can be divided into 3 categories:

How to Choose Car Insurance

Mon, 30 Aug 2021 15:45:00 +0000

Insuring your car is required by law and while it constitutes a significant expense that many justifiably try to reduce, even a minor accident can soon make us realise how important insurance can be. Despite that, most of us wait until the last few days before it expires to do some research, and that is usually only related to car insurance prices. In most cases, this is hardly enough to help us realise if we've got the right coverage for us.

Traffic Laws – Violations, Penalties and Penalty Points 2026

Mon, 12 Jul 2021 00:00:00 +0000

In this article by Pitsas Insurance, you can find a list of punishable traffic violations, as well as the corresponding penalties and fines which are then applied by the Cyprus Police to offenders.

This list is not an exhaustive one but can serve as a guide for the most common and frequently occurring violations and their consequences.

Before reading further, we would like to emphasize that the frequency in which offenses are taking place on the roads, around the world and particularly in Cyprus, has become quite serious in recent years.

24-hour road assistance to the driver (CNP)

Fri, 28 May 2021 00:00:00 +0000

If you need road assistance or assistance in an accident, call 77778283

The “Road Assistance” service is provided to our customers free of charge, 24 hours a day, 365 days a year, in all territories controlled by the Republic of Cyprus.

The service is provided by a special provider company (Road Service).

The roadside assistance includes towing, wheel replacement, assistance in case of lost keys or lack of fuel, solving battery problems, minor on-site repairs and tow truck services (for more details on the road assistance conditions see the link).

24-hour road assistance to the driver (AIG)

Thu, 27 May 2021 00:00:00 +0000

If you need road assistance or assistance in an accident, call 22435510

Road assistance is provided to our customers free of charge 24 hours a day, 365 days a year on the public roads of the Republic of Cyprus, and in the territory controlled by the British Armed Forces (British military bases).

Road assistance will be provided by the partner company (Road Service) in cases where the vehicle is immobilized due to mechanical or electrical breakdown, accident, fuel/oil/water leakage, punctured tires and getting locked out.

What is included in the 24/7 road assistance (CNP)

Thu, 27 May 2021 00:00:00 +0000

For road assistance call 77778283

As a part of the of the “Road Assistance” service, the company cooperating with us – the service provider (Road Service) – may perform the following actions:

1.Vehicle towing

If your vehicle has stopped due to mechanical/electrical, our specialists will arrive on site to have it repaired as soon as possible with just one phone call.

2.Tire change

If your vehicle is immobilized due to a flat tire, our technicians will replace the tire on site, or take you to the nearest garage for repair.

Definizioni di assicurazione: tutto ciò che i conducenti devono sapere

Fri, 21 May 2021 00:00:00 +0000

E’ importante comprendere le definizioni di assicurazioni di auto e dei tipi di copertura in modo tale da proteggersi quando occorre.

Molti guidano auto, ma quanto sono davvero a conoscenza della loro assicurazione e della loro copertura?

E’ importante possedere un’assicurazione auto per autotutelarsi durante la guida, oltre a proteggerti inoltre, questa è garante del rimborso in caso di perdita o incidente, stabilito da una legge.

Se, ad esempio, durante la guida si è distratti si investe un pedone, l’assicurazione garantisce il pagamento totale del danno.

The МОТ test: governmental vehicle inspection

Tue, 06 Apr 2021 00:00:00 +0000

Each vehicle must be regularly inspected (usually once a year or every two years) to get a confirmation from an authorized institution that all its components are kept in good condition. Depending on the vehicle category, this inspection must be held by the Center of Technical Inspection of Common Use Vehicles (KEMO), or by the Center of Technical Inspection of Private Vehicles (I.K.T.E.O.).

The technical inspection that was mentioned above, as well as the I.K.T.E.O institution, its activities, and all related issues are subject to The Law on Road Transport (including technical inspection and centers of technical inspection), which was adopted in 2007 and includes all revisions to date.

The main types of motor insurance in Cyprus

Thu, 02 Jan 2020 00:00:00 +0000

What are the three main motor insurance contracts in Cyprus and what they cover in brief:

Third Party Liability

This insurance is obligatory by law. In case you get involved in an accident with another driver, it exclusively covers the other driver’s expenses. It also allows you to drive other vehicles of the same type, as well as offer road assistance and autohelp when needed. Other drivers of the vehicle and the passengers are covered too in the event of an accident. You can additionally use your vehicle for business services or to draw a trailer, and if there is an accident the loading is protected from any claims. Third party liability also covers up to an amount for windscreen damages.

Claims procedure in case of a car accident

Wed, 01 Jan 2020 00:00:00 +0000

If you are involved in an accident with or without the participation of other drivers, you need to follow these steps:

Don’t leave the scene of the accident.
Immediately call the Road Service (Road Assistance Service) and the insurance company (you can find its phone number on your insurance policy or the information leaflet from your insurance company or agent).
Wait for your insurance company representative to arrive. The company representative will come to photograph the scene of the accident and record the information about the accident based on your testimony.
Provide the inspector of the insurance company with all the information you know about the accident (contact details of the participants, witnesses, police officers who arrived at the scene of the accident, your actions at the time of the accident, photographs of the scene of the accident and damage to the car).
Specify what damage your insurance contract covers (availability of a deductible in the case of CASCO, coverage limits, exclusions from the insurance coverage, the ability to cover the transportation costs).
Check with your insurance agent for the timeframe for filing an insurance claim, as the timeframe for filing a claim for compensation for the vehicle damage may differ from the timeframe for filing a claim for compensation for medical treatment.
Work with an insurance appraiser and get the repair quote so you know how much the insurance company is willing to pay to repair your vehicle.
Choose a workshop and repair your vehicle, however, keep in mind that the original parts used by the workshop may be new or used depending on the terms of your insurance contract, and you may have to pay the difference in price.
If the insurance company decided that your car is completely destroyed (Total Loss), you will be paid the insurance compensation based on the market value of a similar vehicle. Consider the fact that if you have a full insurance contract (CASCO), and you are responsible for the accident, the compensation will be paid to you minus the deductible set out in the terms of the contract.

What to do if you leave the scene of the accident

In case you left the scene of the accident, you will need to come to our office and fill out the claim form. You will need to explain the circumstances under which the accident occurred. The explanation must be in English or Greek.

Documents required for motor insurance

Wed, 01 Jan 2020 00:00:00 +0000

Phone number (Cypriot and international) (Note 1)
Email address (Note 1)
Utility Bill (electricity, water or telephone)
Copy of national driver's license, Cypriot or international. Both the photo page and the page with the type of vehicles the driver is allowed to drive need to be photographed. (Note 2)
Passport copy
Title deed copy (Note 3)
Certificate from previous insurance companies for the last 5 years (Note 4)
In case of additional drivers, the following documents need to be submitted:

Seven new bills for stiffer traffic penalties

Tue, 16 Apr 2019 00:00:00 +0000

Thousands of euros are spent by Cypriots according to the latest police statistics on fines for road traffic offenses each year. A package of 8 laws passed by the Council of Ministers significantly increases fines for road traffic offenses.

The 7 amending bills and the draft Regulations approved by the Cabinet provide an increase in the extra-judicial fine from € 85 to € 300 in case of using a mobile phone while driving, but also for driving without a safety belt or helmet, and the same applies to the violation light signal. Pedestrian parking is subject to a fine of € 85 to € 150, while for parking in disabilities, the exodus is up to € 200.

Car Accidents in Cyprus

Mon, 05 Jun 2017 00:00:00 +0000

According to the World Health Organization, more than 1.2 million people around the world die because of road accidents. This makes them a leading cause of preventable death globally, especially among young people. In the European Union alone, more than 26,000 people died on the roads in 2015, while Cyprus in particular topped the charts for the biggest increase in the number of fatal accidents that year. While the European Commission has adopted an ambitious Road Safety Programme that aims to drastically cut the number of road deaths by 2020, are those measures enough?

What you should do in case of a car accident

Sun, 04 Jun 2017 00:00:00 +0000

In case of an accident, you need to take a number of steps that will insure the safety of those around you, keep your actions within the law and start the process of reviewing the insurance claim.

Step 1. Help the victims

Examine yourself and others for injuries.

If someone is injured as a result of an accident CALL EMERGENCY SERVICES AT 112 or ask somebody else to do it.

Road tax Cyprus 2026. How to renew your road tax?

Sat, 03 Jun 2017 00:00:00 +0000

Road Tax Cyprus – 2026

Road tax or circulation licence, known by many different names around the world, is a mandatory annual fee (tax) you must pay to legally operate a motorised vehicle on public roads.

Road Tax Cyprus
How to renew your road tax in Cyprus in 2026
When you cannot renew your road tax in Cyprus
Road Tax Cyprus payment deadlines, procedures, and penalties
How to avoid the road tax payment in Cyprus if your vehicle is not in use
What should you do with your vehicle in Cyprus when traveling abroad?
Road tax rates in Cyprus
The Connection between Road Tax, MOT, and car insurance in Cyprus

Road Tax Cyprus

Road tax in Cyprus is calculated based on the vehicle’s engine size (CC), fuel type, age, weight, and emissions level. The proof of payment of the road tax is a road license, which indicates the date of its issue and the month of expiry (see the photo below).

Frequently asked questions: Motor Insurance

Thu, 01 Jun 2017 00:00:00 +0000

1. In which cases do you offer full (comprehensive) vehicle insurance (CASCO)?

Our company accepts clients' applications for full insurance for any type of vehicle and then, after careful consideration of each case, decides whether to accept or not accept that particular risk.

The main information that we take into account in such cases is: confirmed driving experience and driving experience in Cyprus or in countries with the same traffic rules (right-hand vehicles and left-hand navigation); the degree of vehicle use (frequent trips, increased mileage); history of accidents and insurance claims, the brand and model of the vehicle (to assess the availability of spare parts), and the engine power to determine the final performance of the vehicle.