Third-party insurance is the most basic and essential type of coverage for any vehicle in Cyprus. While it's the legal minimum requirement, one common question remains: Is it really enough to keep you protected on the road?
It’s a question many of us ask—especially when something unexpected happens. In this article, we’ll take a closer look at what third-party insurance actually covers, what it doesn’t, and when it might be worth considering additional protection.
Basic third-party insurance covers damage you may cause to others, such as:
In simple terms, it protects others but not you or your vehicle.
In addition, it usually includes:
You can find the full list of coverages under our Car Insurance options.
This is important: third-party insurance does not cover damage to your own vehicle.
It also doesn't cover:
In other words, if something happens and it’s your fault, you’re the one paying for it.
Third-party insurance is suitable in specific cases. But if:
...then it might be time to explore more comprehensive options.
If you want more than just the basics, here are two main solutions that offer greater security:
Includes protection against:
It’s an affordable option—ideal if you don’t drive often but still want protection against key risks.
This is the most complete form of coverage. It protects you and your vehicle—even when the accident is your fault.
It includes:
It’s the best choice for new or high-value vehicles or for anyone who wants full protection.
If you're unsure which coverage suits you, ask yourself:
These questions can help guide your decision. And of course, we’re here to help.
At Minerva Insurance, we make sure you have not only the necessary coverage but the peace of mind that comes with it.
Get a quote easily through our website or by calling 77771414.
We’ll walk you through all your options, clearly and simply.