Motor Vehicles Third Party Compulsory Traffic Insurance General Conditions
View
Compulsory Third-Party Car Insurance in North Cyprus
North Cyprus Compulsory Third-Party Motor Insurance is a mandatory liability policy covering material damage, bodily injury or death caused to third parties through the use of a motor vehicle.
The policy does not cover physical damage to the insured vehicle itself. Its principal purpose is to address liability towards other vehicles, pedestrians, passengers and third-party property following an accident.
CAN Sigorta Third-Party Motor Insurance Summary
₺1,200,000 material damage cover per event
₺8,000,000 bodily injury and death cover per event for private vehicles
₺15,000,000 bodily injury and death cover per event for commercial vehicles
Policy periods of 1, 3, 6 or 12 months for eligible vehicles
Breakdown towing assistance for the insured vehicle
Cover begins on the date and at the time recorded on the policy
The limits shown above are based on the tariff in force as of July 2026. Current limits are confirmed against the applicable tariff and policy schedule when the policy is issued.
Is Third-Party Motor Insurance Compulsory in North Cyprus?
Yes.
Motor vehicles used on public roads in North Cyprus must have valid compulsory third-party motor insurance.
A policy that has expired, been cancelled or has not yet reached its recorded start time may not constitute valid insurance. Both the start and expiry details shown on the policy are therefore important.
What Does Third-Party Motor Insurance Cover?
Third-party motor insurance addresses material damage, bodily injury or death caused to third parties through the use of the insured vehicle.
Each claim is considered according to the circumstances of the accident, fault, official records, the validity of the policy and the applicable cover limits.
Losses that may be considered include:
Material damage to another vehicle
Damage to a parked vehicle
Bodily injury to a pedestrian
Bodily injury to passengers
Injury to the driver of another vehicle
Injury to passengers travelling in another vehicle
Damage to a third party’s wall or gate
Damage to a residential complex barrier or parking equipment
Damage to business premises or other fixed structures
Bodily injury resulting in permanent disability
Death resulting from a road traffic accident
Each case is assessed individually under the applicable policy terms.
₺1,200,000 Material Damage Cover per Event
As of July 2026, compulsory third-party motor insurance provides ₺1,200,000 of material damage cover per event.
This cover is not limited to bodywork damage to another vehicle. Depending on the circumstances, it may also apply to damage involving:
Another vehicle
Parked vehicles
Walls and garden gates
Residential complex barriers
Business windows
Roadside signs
Parking equipment
Other fixed property belonging to third parties
Where more than one item of third-party property is damaged in the same accident, the claims are considered within the total material damage limit applicable to that event.
Bodily Injury and Death Cover per Event
As of July 2026, the following bodily injury and death limits apply:
₺8,000,000 per event for private vehicles
₺15,000,000 per event for commercial vehicles
If a pedestrian, passenger, another driver or another third party suffers bodily injury in an accident, the related claims are considered within the total per-event limit for the relevant vehicle class.
Fault, policy validity, accident records and the applicable policy terms are taken into account during the assessment.
These limits do not provide physical damage cover for the insured vehicle itself.
Does Third-Party Insurance Cover the Insured Vehicle?
No.
Compulsory third-party motor insurance does not cover physical damage to the insured vehicle.
An accident may cause damage to both the insured vehicle and another vehicle. This does not mean that both vehicles are covered by the same third-party policy. The policy addresses liability for damage caused to third parties, subject to fault and the applicable terms.
The following losses are not directly covered by compulsory third-party motor insurance:
Accident damage to the insured vehicle
Damage to the insured vehicle in a single-vehicle accident
Parking damage to the insured vehicle
Damage to its windows, lights, bumper or bodywork
Fire
Theft
Flooding and water damage
Storm and other natural hazard damage
Breakdown Towing Assistance
CAN Sigorta third-party motor policies include towing assistance when the insured vehicle cannot continue its journey because of a breakdown.
If the vehicle becomes immobilised on the road, assistance may be arranged under the accompanying roadside assistance service.
Towing assistance is separate from the compulsory third-party liability cover. Eligibility, distance limits and other practical conditions are governed by the policy and the relevant roadside assistance terms.
1, 3, 6 and 12-Month Policies
Third-party motor insurance may be issued for different periods, depending on the vehicle and the applicable tariff:
1 month
3 months
6 months
12 months
The available period depends on factors such as the vehicle type, registration status, vehicle class and intended use. Not every period is necessarily available for every vehicle.
Cover begins on the date and at the time recorded on the issued policy.
How Is the Premium Calculated?
The premium is determined according to the vehicle’s classification and use.
The principal factors include:
Vehicle type
Vehicle class
Intended use
Private or commercial use
Policy period
Tariff in force
Different premiums may therefore apply to different vehicle classes and patterns of use.
When Does the Policy Begin?
Third-party insurance takes effect on the start date and at the start time stated on the policy.
Receiving a quotation or completing a payment does not, by itself, mean that cover has begun. The policy must have been issued and its recorded commencement time must have arrived.
The stated time is particularly important when cover is intended to begin on the same day that the policy is arranged.
Information Required for a Policy
The following information is normally required:
Vehicle registration document
Registered owner’s details
Vehicle type and class
Intended use
Preferred policy period
The vehicle class and intended use must be recorded accurately so that the correct tariff can be applied.
What Should Be Done After an Accident in North Cyprus?
Following a road traffic accident:
Stop the vehicles in a safe manner.
Call the emergency services if anyone has been injured.
Notify the police where required by the circumstances.
Photograph the positions of the vehicles and the visible damage.
Obtain the other vehicle’s registration, driver and insurance details.
Notify the CAN Sigorta Operations Centre without unnecessary delay.
Follow the instructions of the relevant authorities before moving the vehicles or leaving the scene.
The claim is subsequently considered using the police record, fault assessment, accident documentation, policy validity and the applicable cover terms.
Is a North Cyprus Policy Valid in South Cyprus?
A compulsory third-party motor policy issued for North Cyprus does not automatically replace the liability insurance required for driving in South Cyprus.
Before crossing, the driver should confirm whether separate insurance valid in the area being entered is required.
Frequently Asked Questions
Is third-party motor insurance compulsory in North Cyprus?
Yes. Motor vehicles used on public roads in North Cyprus must have valid compulsory third-party motor insurance.
What is the material damage limit?
As of July 2026, the policy provides ₺1,200,000 of material damage cover per event for damage caused to third-party property.
What is the bodily injury and death limit?
As of July 2026, the limit is ₺8,000,000 per event for private vehicles and ₺15,000,000 per event for commercial vehicles.
Does third-party insurance cover damage to my own vehicle?
No. It covers liability for loss or injury caused to third parties. It does not cover physical damage to the insured vehicle.
Is towing assistance included?
CAN Sigorta third-party motor policies include towing assistance when the insured vehicle is immobilised because of a breakdown, subject to the applicable roadside assistance conditions.
Can a one-month policy be issued?
A policy may be issued for 1, 3, 6 or 12 months where permitted by the vehicle type, intended use and applicable tariff.
When does the insurance begin?
Cover begins on the date and at the time recorded on the policy.
Does payment activate the insurance?
Payment alone does not mean that cover has begun. The policy must have been issued and its recorded commencement time must have arrived.
Conclusion
North Cyprus Compulsory Third-Party Motor Insurance covers legal liability for material damage, bodily injury or death caused to third parties through the use of a motor vehicle. It does not cover physical damage to the insured vehicle.
The applicable limits, policy period and commencement time are shown on the policy schedule. CAN Sigorta third-party motor policies also include breakdown towing assistance, subject to the relevant roadside assistance terms.