Comprehensive Car Insurance in North Cyprus

Comprehensive car insurance covers physical damage to the insured vehicle, subject to the cover, limits, excesses and special conditions stated in the policy.

CAN Sigorta comprehensive motor insurance is valid in both North Cyprus and South Cyprus.

Collision, impact with fixed or moving objects, single-vehicle accidents, parking damage, fire, theft, malicious damage, flood, water damage, storm and hail are among the principal risks assessed under the policy terms.

Earthquake cover is not automatically included as standard and may be added separately for an additional premium.

CAN Sigorta Comprehensive Insurance at a Glance

• Valid in North Cyprus and South Cyprus

• 0% excess on standard comprehensive claims, excluding earthquake

• Collision and accidental damage

• Fire and theft

• Malicious damage

• Flood and water damage

• Storm and hail

• Up to 14 days’ replacement car in total during the policy period

• 24/7 live assistance

• Roadside assistance subject to policy terms

• 1-month, 3-month, 6-month and 12-month policy options

• Named driver, specified drivers or any-driver options

• Vehicle value in Turkish lira or an approved foreign currency

• Earthquake cover available for an additional premium

• Optional extension for short-term travel within the Republic of Türkiye

What Does Comprehensive Car Insurance Cover?

Comprehensive insurance assesses physical damage to the insured vehicle arising from sudden and external events while the vehicle is being driven or parked.

Collision

Physical damage to the insured vehicle caused by a collision with another motorised or non-motorised vehicle may be covered under the policy terms.

Impact with a Fixed or Moving Object

Damage caused by contact with a wall, pillar, barrier, kerb, gate, post or another fixed or moving object may be assessed under the comprehensive policy.

Overturning, Falling or Leaving the Road

Damage may be covered where the vehicle overturns, falls, rolls or leaves the road unintentionally.

Parking Damage

Sudden and external physical damage occurring while the insured vehicle is parked may be assessed in accordance with the cover and special conditions stated in the policy.

Malicious Damage

Scratching, breakage, bodywork damage or damage to vehicle parts caused by malicious acts of third parties may be assessed under the policy terms.

Fire

Physical damage caused by fire or other fire-related events specified in the policy may be covered.

Theft and Attempted Theft

Theft of the vehicle, attempted theft, or physical damage caused during an attempted theft may be assessed under the theft section of the policy.

Flood, Water Damage, Storm and Hail

Physical damage caused by flood, water ingress, storm or hail is assessed in accordance with the cover, limits and special conditions stated in the policy.

The exact scope and any applicable conditions are stated on the policy schedule.

0% Excess

CAN Sigorta comprehensive motor policies apply 0% excess to standard comprehensive claims, excluding earthquake cover.

This means that, for standard insured events such as collision, parking damage, fire, theft, malicious damage, flood, water damage, storm and hail, no standard claims excess is deducted, subject to the terms and conditions of the policy.

Earthquake cover is treated separately.

Earthquake claims are subject to the 80% insurer / 20% insured co-insurance arrangement applied under the North Cyprus earthquake tariff.

Earthquake Cover

Earthquake cover is not automatically included within the standard comprehensive policy.

It may be added separately upon request and payment of an additional premium.

Earthquake cover is subject to an 80% insurer / 20% insured co-insurance arrangement.

This is not a CAN Sigorta-specific condition. It is an industry-wide application arising from the North Cyprus earthquake tariff and is applied on the same basis by insurance companies operating in North Cyprus.

Accordingly, for an insured earthquake loss falling within the policy terms:

• 80% is borne by the insurer

• 20% is borne by the insured

The policy will clearly state:

• Whether earthquake cover is included

• The applicable sum insured

• The 80% / 20% co-insurance ratio

• Any additional special conditions

The expression “full comprehensive” does not in itself mean that earthquake cover is included. The cover stated on the policy schedule is what determines the actual protection.

Short-Term Extension for Travel in Türkiye

The standard geographical scope of CAN Sigorta comprehensive motor insurance is North Cyprus and South Cyprus.

Where the insured vehicle is to be used for a short-term journey within the Republic of Türkiye, an additional territorial extension may be arranged for eligible vehicles.

This extension is not automatic.

The journey period, vehicle details, use of the vehicle, requested cover and any special conditions are assessed separately.

The duration, cover, limits and any special conditions applying in Türkiye are stated on the policy.

Up to 14 Days’ Replacement Car

For eligible claims covered under the policy, CAN Sigorta comprehensive insurance provides up to a maximum of 14 days’ replacement car in total during the policy period.

The replacement-car service is subject to:

• The claim being covered under the policy

• The insured vehicle being unusable due to repairs

• The vehicle remaining at the repairer

• Claim and service approval

• The applicable service conditions

The detailed terms of the replacement-car service are stated in the policy or service conditions.

24/7 Live Assistance and Roadside Assistance

CAN Sigorta comprehensive motor policies provide 24/7 live assistance and roadside assistance for situations covered by the applicable service terms.

Depending on the policy and service limits, assistance may include:

• Towing

• Roadside assistance

• Battery assistance

• Tyre-change assistance

• Assistance following fuel depletion

• Assistance where keys are locked inside the vehicle

• Transporting the vehicle to a safe location

The number of incidents, mileage limit, territorial scope and other service conditions are stated in the relevant policy or assistance terms.

Fuel costs, spare parts, repair charges or services exceeding the stated limits may be treated separately.

1, 3, 6 and 12-Month Comprehensive Insurance

Subject to vehicle and risk assessment, CAN Sigorta comprehensive motor insurance may be arranged for:

• 1 month

• 3 months

• 6 months

• 12 months

The policy period is assessed together with the age of the vehicle, current market value, use, driver structure, existing physical condition and requested cover.

Insurance cover does not begin merely because a quotation has been prepared or documents have been supplied.

Cover begins at the date and time stated on the policy.

How Is the Comprehensive Insurance Premium Calculated?

The premium is not determined solely by the make and model of the vehicle.

The assessment may include:

• Make and model

• Year of manufacture

• Current market value

• Specification and equipment level

• Intended use

• Private or commercial use

• Driver option

• Claims history

• Policy period

• Additional cover

• Physical condition of the vehicle before inception

As a result, two vehicles of the same make, model and year may have different premiums and policy terms.

How Is the Vehicle Value Determined?

The insured value is based on the vehicle’s current market value at the date of insurance.

The assessment may take into account:

• Make

• Model

• Year of manufacture

• Specification

• General condition

• Comparable values in the North Cyprus used-car market

A value that is materially below or above the true market value may affect the assessment of partial losses and total-loss claims.

Foreign-Currency Vehicle Values

Many vehicles in the North Cyprus market are valued in sterling or another foreign currency.

Where appropriate, the insured value may therefore be stated in an approved foreign currency.

The policy should clearly state:

• Sum insured

• Currency

• Claims settlement method

• Total-loss valuation method

• Any applicable exchange-rate basis

Driver Options

Comprehensive motor insurance can be arranged with different driver structures depending on how the vehicle is used.

Named Driver

The vehicle is used only by the driver named on the policy.

Specified Drivers

The vehicle may be used by more than one driver, provided each driver is specifically named on the policy.

Any Driver

The vehicle may be driven by different drivers who meet the driver conditions stated in the policy.

If the vehicle is regularly used by a spouse, family member, employee or another person, the correct driver option should be selected when the policy is arranged.

The driver structure may affect both the premium and the assessment of a claim.

Comprehensive Insurance Valid in North and South Cyprus

CAN Sigorta comprehensive motor insurance is valid in the Turkish Republic of Northern Cyprus and South Cyprus.

The vehicle is assessed under the same policy structure in both areas, subject to the cover, limits and special conditions stated on the policy.

If theft, roadside assistance or another specific benefit has a different territorial restriction, this is stated separately.

Short-term cover within the Republic of Türkiye may also be arranged as an additional extension for eligible vehicles.

Comprehensive Insurance and Third-Party Insurance

Comprehensive insurance focuses on physical damage to the insured vehicle itself.

Compulsory third-party motor insurance covers legal liability for material damage or bodily injury caused to third parties, subject to the statutory limits in force.

The two policies therefore protect against different types of risk.

What Happens After a Comprehensive Claim?

Following a loss, the circumstances of the incident, physical condition of the vehicle and the cover stated on the policy are assessed together.

Depending on the nature of the claim, the following may be required:

• General photographs of the scene

• Vehicle positions

• Photographs of damaged parts

• Registration details

• Driver details

• Third-party details

• Date and time of the incident

• Police or traffic report where required

• Witness information where relevant

The documents and photographs are reviewed after notification of the claim.

An assessor may be appointed where necessary.

Repair method, repairer, parts and settlement are then handled in accordance with the policy terms.

When May a Comprehensive Claim Be Treated Differently?

The following circumstances may require special assessment or may fall outside cover depending on the policy terms:

• Driving without a valid licence

• Driving under the influence of alcohol or drugs

• Deliberate damage

• Racing or speed trials

• Use contrary to the driver conditions stated in the policy

• Undeclared commercial use

• Use outside the stated territorial limits

• Undeclared non-standard accessories

• Mechanical breakdown

• Wear and tear

• Poor maintenance

• Pre-existing damage

• A material inconsistency between the reported circumstances and the loss

The outcome of a claim is determined by the facts of the incident together with the applicable policy terms and conditions.

Comprehensive Car Insurance in North Cyprus – Frequently Asked Questions

Is comprehensive car insurance compulsory in North Cyprus?

No. Comprehensive insurance is optional and protects the insured vehicle against physical damage, subject to the cover stated in the policy.

Is CAN Sigorta comprehensive insurance valid in South Cyprus?

Yes. CAN Sigorta comprehensive motor insurance is valid in North Cyprus and South Cyprus, subject to the policy terms and any specific territorial conditions.

Is there an excess on CAN Sigorta comprehensive insurance?

For standard comprehensive claims, 0% excess applies, excluding earthquake cover.

Earthquake cover is subject to the North Cyprus tariff arrangement of 80% insurer / 20% insured co-insurance.

Is the 20% earthquake contribution specific to CAN Sigorta?

No.

The 80% / 20% co-insurance arrangement is applied under the North Cyprus earthquake tariff and is an industry-wide basis rather than a CAN Sigorta-specific condition.

Is earthquake automatically included?

No.

Earthquake cover is added separately upon request and payment of an additional premium.

Can comprehensive insurance cover short trips to Türkiye?

For eligible vehicles, a short-term territorial extension for travel within the Republic of Türkiye may be arranged.

This is not automatic and must be specifically included in the policy.

How long is a replacement car provided?

For eligible insured claims, up to 14 days in total during the policy period may be provided, subject to the applicable service conditions.

Is roadside assistance included?

Yes, roadside assistance is available subject to the policy and service terms.

Can comprehensive insurance be arranged for one month?

Yes.

Subject to vehicle and risk assessment, policies may be arranged for 1, 3, 6 or 12 months.

Can anyone drive the insured vehicle?

That depends on the driver option selected.

The policy may be arranged for a named driver, specified drivers or any driver meeting the policy conditions.

Can the insured value be stated in sterling?

Where appropriate, the insured value may be stated in sterling or another approved foreign currency.

When does comprehensive insurance begin?

Cover begins at the date and time stated on the policy.

Conclusion

Comprehensive car insurance in North Cyprus is determined by the actual cover written into the policy rather than by the expression “full comprehensive” alone.

Vehicle value, driver structure, policy period, territorial scope, natural-perils cover, earthquake selection, replacement-car entitlement and roadside-assistance conditions all form part of the actual policy structure.

CAN Sigorta comprehensive motor policies are valid in North Cyprus and South Cyprus. Eligible vehicles may also receive an additional extension for short-term travel within the Republic of Türkiye.

For standard comprehensive claims, 0% excess applies outside earthquake cover. Earthquake claims are subject to the North Cyprus tariff basis of 80% insurer / 20% insured co-insurance.

Policies may be arranged for 1, 3, 6 or 12 months, with named-driver, specified-driver or any-driver options depending on the vehicle and risk assessment.

The final scope of cover is always determined by the policy schedule, sums insured, territorial limits, co-insurance provisions and special conditions stated on the policy.