Third Party Liability Car Insurance

Authorised Drivers:Any person who is driving on the Policyholder’s order or with his permission, provided that the person driving holds a licence to drive the Motor Vehicle and is not disqualified from holding or obtaining such a licence. The term “licence” means a licence or other permit required by the licensing or other laws or regulations. If the person driving holds a learner’s licence then that person has to obey the learners’ licence regulations and cannot drive the vehicle unless accompanied by a person who holds a proper licence to drive the Motor Vehicle. Otherwise, all losses are excluded from the cover.

Legislation: Motor Vehicles (Third Party Insurance) Law 1954 or any law amending or substituting the same.

Road: A "road" in the TRNC within the meaning of the Motor Vehicles and Road Traffic Law.

Limits Of Liability: Limits of the amount of the Company’s liability under.

Limitations as to Use: Use only for social, domestic and pleasure purposes and for the Policyholder’s business.

The Policy does not cover:

• Use for racing, pacemaking, reliability trial or speed-testing
• Use for hire or reward or use for any purpose in connection with the Motor Trade
• Use whilist drawing a trailer except the towing (other than for reward) of any disabled mechanically propelled vehicle
• Use under the influence of alcohol or other drugs

Premium payment and the commencement of the liability of the Insurer:
The total insurance premium or the first instalment if it is agreed to be paid by instalments, should be paid as soon as the policy is issued or at least when the policy is delivered to the insured. Otherwise the liability of the insurer does not commence even if the policy is delivered. If the instalments are not paid on the due dates written in the policy, then the insured falls into default and the policy is cancelled without prior notice, and the premium for the insurer’s responsibility period is calculated on a per day basis and any overpayment is paid back to the insured. In the event of a loss or claim all of the outstanding instalments that do not exceed the compensation become due and immediately payable.

Authorised Drivers: Any person who is driving on the Policyholder’s order or with his permission, provided that the person driving holds a licence to drive the Motor Vehicle and is not disqualified from holding or obtaining such a licence. The term “licence” means a licence or other permit required by the licensing or other laws or regulations. If the person driving holds a learner’s licence then that person has to obey the learners’ licence regulations and cannot drive the vehicle unless accompanied by a person who holds a proper licence to drive the Motor Vehicle. Otherwise, all losses are excluded from the cover.

Legislation: Motor Vehicles ( Third Party Insurance) Law, 1954 or any law amending or substituting the same.

Geographical Area: Turkish Republic of Northern Cyprus.

Limitations as to Use: Use only for social domestic and pleasure purposes and for the Policyholder’s business.

The Policy does not cover:

• Use for racing, pace making, reliability trials or speed-testing.
• Use for hire or reward or use for any purpose in connection with the Motor Trade.
• Use whilst drawing a trailer except the towing (other than for reward) of any disabled mechanically propelled vehicle.
• Use under the influence of alcohol or other drugs.

Comprehensive Policy Car Insurance

Additional Cover: All losses due to flood, hail and storm are included in the coverage of fully comprehensive policies.

Optional: Prepare your own fully comprehensive car insurance policy.

Assistance Service:

• South Cyprus and Turkey Cover
• 24 Hour any Emergency Help Line
• Free Towtruck Service 7/24
• Courtesy Car *
• Quality guaranteed repairs from one of our approved partnership repairer garages, or a garage of your own choice
• Multi-Car Motor Insurance Discounts
• No Claim Discount
• Personal Accident **
• * Courtesy Car provided if repair work takes over 24 Hours.
• ** This policy provides insurance cover for Death and /or Permanent Disability of the driver and passengers within the insured vehicle for any accident while the vehicle is in motion or parked or undergoing maintenance or while the driver/passengers are getting on/off the vehicle, within the general conditions and provisions set forth in the Personal Accident Insurance Policy, up to 25,000 TL per person and a total sum of 125,000 TL per accident.

Procedures to be followed in case of an accident:

• Call the Traffıc Police to the site of the accident.
• Inform the Insurance Company head office or Esta of the accident within 24 hours.
• Within 30 minutes of the accident occurring, have ready an alcohol report. Any claims without a police report/alcohol test will be excluded.
• No repairs to the vehicle should start prior to the arrival of the assessment expert and instructions from the Insurance Company head office or Esta.
• Claims should be made to the Insurance Company head office or Esta together with the vehicle registration document, driver’s licence as well as the conditions/documents set forth above.

Premium payment and the commencement of the liability of the Insurer:

The total insurance premium, or the first instalment if it is agreed to be paid by instalments, should be paid as soon as the policy is issued or at least when the policy is delivered to the insured. Otherwise the liability of the insurer does not commence even if the policy is delivered. If the instalments are not paid on the due dates written in the policy, then the insured falls into default and the policy is cancelled without prior notice, and the premium for the insurer’s responsibility period is calculated on a per day basis and any overpayment is paid back to the insured. In the event of a loss or claim all of the outstanding instalments that do not exceed the compensation become due and immediately payable.