Here are the main car insurance coverage options available in Cyprus:

Third Party Liability Insurance: This is the minimum insurance required by law in Cyprus. It protects you if you cause bodily injury or property damage to others. It also covers windscreen repairs and offers free roadside and accident assistance.

Third Party Liability, Fire & Theft Insurance: This covers everything in Third Party Liability insurance plus protection for your vehicle against fire or theft. It’s a good middle option for those who want more coverage but don’t need full comprehensive insurance.

Full Comprehensive Insurance: The highest level of protection. Covers all damages to your own vehicle, even if you are at fault. It also protects you from natural disasters such as floods, storms, hail, and falling trees. Best for drivers who want complete peace of mind.

In Cyprus, fully comprehensive insurance policies always include an excess amount. This is a fixed amount you agree to pay out-of-pocket before the insurance covers a claim.

The excess amount varies by insurer and may be higher for certain risks, such as younger or inexperienced drivers or drivers with a history of claims.

We help expatriates who want to get car insurance in Cyprus but face challenges like having a foreign driving licence or limited driving experience.

Whether you hold a foreign driving licence, have limited driving experience, or are considering insuring a high-value vehicle, we are here to guide you through even the most complex situations.

If you hold a valid foreign driving licence, many insurers will accept it for insurance purposes. However, licences must usually comply with international agreements recognised in Cyprus. Some companies may request additional documents, such as a certificate of no claims or proof of driving experience.

For those with little or no driving experience, insurers often apply higher premiums or excess amounts, but insurance is still attainable. It is important to disclose your driving history fully to receive the most accurate and tailored insurance quotes.

A cover note is a temporary document issued by an insurance provider in Cyprus to confirm that you have valid insurance coverage before the official policy is finalised.

It serves as an interim insurance certificate, providing peace of mind in urgent situations where immediate proof of cover is required.

This occurs because many insurers cannot immediately finalise and issue the full insurance policy. They need time to assess risks, verify information, or process paperwork.

During this period, the cover note acts as proof of insurance, ensuring you are legally covered.

A cover note is commonly needed in the following situations:

• When purchasing or transferring ownership of a new car
• For policy renewals or when making changes to your insurance, such as adding a new driver

Typically, a cover note lasts for a limited time – often up to 4 months – or until the full policy document is issued. It provides the same level of coverage as your final policy but is temporary.

Private health insurance in Cyprus offers important advantages compared to the national health system, GESY, providing you with more options, flexibility, and faster, personalised care.

More Control and Worldwide Coverage
Private health insurance gives you the freedom to choose your doctors, specialists, hospitals, and even the country where you want treatment.

This means you can get the best treatment anywhere in the world with access to trusted healthcare when you need it most.

Worldwide coverage is one of the biggest benefits of private health insurance, providing trusted, quality care for Cypriots, professional expats, and retirees alike.

Faster Access to Specialists
Although GESY aims to serve everyone, waiting times, particularly for specialist care, can be long.

Private insurance helps you avoid these delays, offering quicker access to diagnosis and treatments in private clinics and hospitals, giving peace of mind in urgent situations.

Access to Advanced Treatments
Private health insurance often covers treatments and technologies not widely available through the public system.

This includes cutting-edge therapies, specialised procedures, and advanced medications.

Additional Coverage
Many private health plans include extras such as dental and vision care, alternative therapies, preventive health screenings, and telemedicine services.

These additional services support overall well-being and comprehensive healthcare management.

Private health insurance in Cyprus offers flexible coverage designed to suit all budgets and levels of care. Typical plans include:

In-Patient Treatment
Covers costs for hospital stays, surgeries, and day care treatments. This commonly includes room and board, doctors’ fees, medical procedures, diagnostic tests (such as blood tests, MRI, CT scans), and medicines related to hospitalization.

Out-of-Hospital Treatment
Includes doctor visits, specialist consultations, diagnostic tests, medicines, physiotherapy, and minor procedures that do not require hospital admission.

Dental Care
Some plans offer optional dental coverage, which may include basic cleanings, fillings, extractions, and major procedures like root canals or orthodontics.

Optical Care:
If included, assists with eye exams, prescription glasses, and contact lens costs.

International Health Insurance:
Also known as expat health insurance, is a specialised type of medical cover designed for individuals or families who do not have a permanent base and seek the highest quality healthcare worldwide.

This includes professionals working abroad, digital nomads who live and work remotely while frequently travelling, and retirees spending extended periods in different countries.

Unlike standard local health insurance, international health insurance provides flexible, worldwide medical cover with direct hospital payments, seamless claims processes, and administrative procedures usually accessible via a mobile app.

It also offers mental health support and emergency evacuation or repatriation services. This comprehensive protection addresses the unique challenges faced by those without a fixed residence, making it an essential foundation for a secure and healthy global lifestyle.

As an expat living in Cyprus, having private health insurance can offer you valuable peace of mind and greater flexibility.

While Cyprus features a national healthcare system (GESY), private insurance opens the door to a wider choice of medical facilities and specialists anywhere in the world.

Private health insurance is especially useful if you want the option to return to your home country for treatment, where you can access care in your native language and within a healthcare system you trust.

This flexibility gives you more control over your healthcare decisions and makes managing your medical needs simpler and less stressful.

Finally, private health insurance complements the public system by covering treatments that may not be fully available through GESY and offers faster access to specialist appointments.

Many private policies also include extras like dental, optical care, and international coverage, ideal for expats wanting a smooth, personalised healthcare experience both in Cyprus and abroad.