Peace of mind - covered.

Private Combined Contract

Private Shield for Individuals.

Pancyprian Insurance designed the package policy Private Combined Contract
which includes covers of six insurance policies in one policy with one expiry date!

House Insurance



Fire either caused by an explosion or other reason. Damage as a result of fire, whether accidental or not, in forests, shrubs, or clearing fires

Loss or Damage occuring from earthquake or volcano explosion including flood or overflow of the sea caused by this

Direct lightning stroke but not indirect damage, such as damage due to short circuit, increase /decrease of the current of electricity and any other electrical disturbance

Loss or damage caused by storm, tempest, cyclone including flood or overflow of the sea caused by these risks

Flood caused by accumulation of water coming from areas outside your home but not loss or damage caused: (a) by water coming through structural defect of roof or inefficient insulation (b) by subsidence, landslip or heave

Impact on the Buildings of any vehicle or animal not belonging or under the control of the Insured or any member of his family, who usually resides with him

Loss or damage caused by bursting of pipes

Bursting, leakage or overflowing of a water tank, an apparatus except: (a) from a drainage hole or septic tank (b) loss or damage occurring while the Building remains unoccupied for a period longer than 90 consecutive days

Theft accompanied by a real strong and violent entry or exit from the building or any attempt for this purpose, meaning that it does not remain uninhabited for more than 90 days

Loss or damage directly caused to the insured property by the malicious act of any person (whether or not such act is committed in the course of a disturbance of the public peace)

Loss or damage caused by:
a) The acts of any person who takes part with others in any disruption of public peace (whether in connection with a strike/lock-out)
b) The action of any lawfully constituted authority in suppressing or attempting to repress any such disturbance or in minimizing the consequence of any such disturbance

Additional Covers for House Insurance

Cover against loss of or damage to personal belongings of any domestic Servant of the Insured, caused by an Insured Peril, whilst such personal belongings are contained in the Buildings or in any private house, boarding house, accommodation, hotel within the Geographical Area and in which the domestic helper resides with the Insured or with any member of the family of the Insured who normally resides with him

In the event that the Building becomes unfit for habitation by an Insured Risk the Insured will be compensated against:
-reasonable additional costs for temporary housing
-the loss of the rent suffered by the Insured during the period which is necessary for the restoration of the Building

In the event that the Building becomes unfit for habitation by an Insured Risk the Insured will be compensated against:

(a) architects and consulting engineers fees

(b) the costs of removal of debris or demolition

The insured amounts defined under this insurance will automatically be reinstated after damage by an Insured Event

Loss or damage caused by rotting of the contents of the freezer and / or refrigerator caused by:

(a) accidental damage

(b) coolant or gas leakage

(c) accidental interruption of the power supply

The additional cost of repairing the damage suffered by the insured property, related to constructions and machinery, which is paid due to the need to comply with building and other regulations under the Law, any City Hall or Local Authority is covered

The necessary and reasonable costs that will arise to identify and repair the cause of the damage caused by the leakage of water or fuel from accidental damage to a tank or pipes

Accidental loss of water or fuel used for domestic purposes

Damage that can be caused by smoke

Extension to cover full theft or any attempt threat not accompanied by actual forcible and violent breaking into or out of a building

Motor Insurance - Third Party

The legal liability cover of the Insured and any Authorized Driver in case of an accident caused by or arising out of the use of the Insured Motor Vehicle within the Geographical area as specified in the Policy, against all sums including claimant’s costs, interest and expenses, which shall become legally liable to pay in respect to:
(a) Body injury or death of anyone person
(b) Emergency hospital care of anyone person

The legal liability cover of the Insured and any Authorized Driver in case of an accident caused by or arising out of the use of the Insured Motor Vehicle within the Geographical area as specified in the Policy, against all sums including claimant’s costs, interest and expenses, which shall become legally liable to pay in respect to Third party property damage

The Company through another company specialized in the field, provides Road Assistance and Accident Care Services in cases of mechanical or electrical breakdown, accident, fuel/oil/water run out, change of tyre and unlocking of doors (except for electronic locks). The services, conditions and benefits provided are described on document AY(PS)44 which is uploaded on our website.

The third party liability cover of the Insured for driving any other vehicle (excluding motorcycles) of the same type as the insured Vehicle not belonging to him, his employer or a member of his household, and is not hired (under a hired purchase agreement or otherwise) by the Insured or by any business associate and employer, whilst driving anywhere in Cyprus where the government of the Republic of Cyprus exercises effective control. Cover is allowed provided that there is no insurance policy in force which covers the Insured for third party liability and/or the said vehicle does not maintain third party motor insurance. This extension of cover of the insured is applicable only when the vehicle’s insurance is not covering the insured to drive it.

The legal liability cover any Authorized Passenger in the insured Motor Vehicle in case of an accident caused by or arising out of the use of the Insured Motor Vehicle within the Geographical area as specified in the Policy, in respect to:
(a) Body injury or death of anyone person
(b) Emergency hospital care of anyone person
(c) Third party property damage

The Company compensates the Insured against the breakage of glass in the windscreen or windows of the Motor Vehicle to the applicable limits at any given time. No deductible or loading shall apply if payment is made for this benefit.

The cover of the Insured (including any authorized driver who is stated on the Schedule or the Cover Note as cover by the Policy) for personal accident for the amount of €5,000 as below:
(a) Death or
(b) Total and permanent loss of sight in one or both eyes, or
(c) Loss of one or more limbs by physical severance at or above the wrist or ankle.
Persons aged above 70 years of age are excluded and not entitled to this benefit.

Cover for protecting the renewal premium from being charged with possible loading derived from the payment of a claim

Motor Insurance - Comprehensive

Additional covers for the Comprehensive Cover

The cover of the Insured Vehicle for loss or damage which is directly caused by fire, self-ignition, explosion, lightning, theft or attempted theft.

Cover provided to the vehicle for damages cost due to the flooding, storm, tempest, tornado, typhon, cyclone, earthquake or other natural phenomena.

The cover of the Insured for malicious damage to the Insured Vehicle, its parts, spare parts and accessories, provided that they are fitted and constitute part of the Motor Vehicle.

The compensation of the Insured in case of a claim for damages to the insured Motor Vehicle for the loss of the use of the Motor Vehicle with a maximum amount of €20 per day and for up to 10 working days. In the event that the Motor Vehicle is declared as a Total Loss no such indemnity shall be provided.

The cover against loss or damage to personal belongings and clothing of the Insured (excluding money, jewellery, gold and silver items, cameras, camcorders , laptops , and telephones as well as other similar items, goods or samples that the insured maintains or transports in or upon the vehicle for business or occupational purposes, any personal belongings or assets of any passenger in the Motor Vehicle) whilst these items are transported or stored in the Motor Vehicle, in case such loss or damage is caused directly by a fire, road accident, collision, self-ignition, lightning, explosion, theft or attempted theft in the Motor Vehicle, whilst the Motor Vehicle was locked up to the amount of €1.000 for each incident.

Replacement of the insured Motor Vehicle with a new motor vehicle of the same brand, model and specifications provided that:
(i) The loss or damage occurred within the first year from the registration of the Motor Vehicle
(ii) The Motor Vehicle was purchased new by the Insured
(iii) The cost of repair of the Motor Vehicle exceeds 60% of the value of the vehicle according to the price list of the manufacturer’s representative in Cyprus, or the manufacturer in the case where there is no official representative in Cyprus at the time of purchase of the vehicle.
(iv) There is available in the market, at the time of loss or damage, a vehicle of the same make, model and specifications as the Motor Vehicle. In the event that there is not available the maximum amount to be paid is the market value of the Motor Vehicle at the time of of purchase of the vehicle.

If the motor vehicle is disabled by reason of loss or damage insured under this policy the company will, subject to the limit of liability as defined on policy, bear the reasonable cost of protection and removal to the nearest repainers.

Personal Accident and Travel Insurance


The Company will pay to the Insured or to his Legal Personal Representatives if during the period of Insurance the
Insured suffers bodily injury due to violent, accidental, external, visible means, which results directly and independently from any other cause
and within twelve months from the day of the bodily injury, to the death or the permanent total disability of the Insured, as stated below

Cover is provided up to the amount stated in the Annual Limits of Liability for Loss or Damage to the luggage and / or personal belongings of
the Insured Person that he carries with him or has purchased during his holidays or journey within the Period of Insurance. The Company will
pay the actual value of the lost or damaged items or the cost of repairing; whichever is the lowest.

Expenses up to the limit of indemnity amount of the policy for loss or damage of official documents of the Republic during any trip

Employer's Liability and Medical Insurance
(Only for Domestic Employees)

Bodily injury that is a result of an accident directly related to the employment

Occupational disease that happens to an employee during the employment and because of the nature of this employment

Medical expenses in a hospital or private clinic

A benefit payable because of childbirth

Repatriation expenses for the costs involved in transporting the mortal remains of the insured back to their native country, as a result of the death of the insured because of an accident or illness, including the expenses of embalming, upto the amount mentioned in the schedule of the policy.

Medical expenses outside a hospital or private clinic

Third Party Liability

The Company will indemnify the Insured against all sums he will be legally liable to pay as the owner of the Building and/or as a tenant who resides in the Building for the purposes of private residency and/or any personal liability as compensation to third parties for accidental bodily injury or illness to any person

The Company will indemnify the Insured against all sums he will be legally liable to pay as the owner of the Building and/or as a tenant who resides in the Building for the purposes of private residency and/or any personal liability as compensation to third parties for accidental loss or damage to third party property


  • Insurance Product Information Document (IPID)
  • Terms & Conditions

    Terms and conditions apply. The information herein is summarised. The general conditions, exclusions and provisions are included in the insurance Policy. For more information or details please contact Pancyprian Insurance Customer Contact Centre at 77772171.

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    Our dedicated customer support team is here for you. Feel free to contact our Pancyprian Insurance Customer Contact Centre at 77772171 for any questions or issues regarding our products and services.

  • Availability

    The contract is available through the Pancyprian district office and Insurance Intermediaries.