Insurance FAQ – Cyprus
Real answers to the questions Cyprus drivers, expats, and homeowners actually ask. Sourced from Google search data, government records, and our own claims experience.
Each answer is written to be the clearest, most accurate response on the topic. We update prices and rules whenever the law changes.
Car Insurance FAQ
Costs, coverage tiers, claims, NCB transfers, and the rules every driver in Cyprus should know.
How much does car insurance cost in Cyprus per month?
Cyprus car insurance costs €15 to €83+ per month, depending on coverage and driver profile. Third-party liability is the cheapest tier; comprehensive cover is the most expensive.
Read the full answerIs car insurance mandatory in Cyprus?
Yes. Every vehicle on a public road must carry at least third-party liability insurance under Law 96(I)/2000. Driving uninsured is a criminal offence.
Read the full answerDoes my UK no-claims bonus work in Cyprus?
Yes. Most Cyprus insurers accept UK NCB letters with discounts up to 60% for a five-year clean record.
Read the full answerWhat is the cheapest car insurance in Cyprus?
Third-party liability is the cheapest legal cover, from €15 per month. The cheapest insurer changes every quarter — compare at least three quotes.
Read the full answerImmigration Insurance FAQ
Plan A medical insurance for Cyprus residence permits, MEU2 applications, prices by age, and what the Migration Department actually asks for.
How much does immigration insurance cost in Cyprus?
Plan A immigration insurance is priced by age and family size: from €120 per person per year, from €270 for retired applicants aged 70+, and from €420 or €560 for a family bundle. Every licensed Cyprus insurer writes the same cover headings, so the premium is what moves most; the caps behind them differ a little.
Read the full answerWhat insurance do I need for a Cyprus residence permit?
Non-EU applicants for most Cyprus residence permits (Pink Slip, Permanent Residence, work or study) need Plan A immigration medical cover. Travel, home, and car insurance are separate from the permit. EU citizens on a Yellow Slip use GESY instead.
Read the full answerWhat does Plan A immigration insurance cover in Cyprus?
Plan A is the immigration medical policy required for Cyprus residence permits. It covers at least €13,700 of inpatient hospital treatment a year, plus repatriation of remains. It does not cover GP visits, maternity, chronic care, or pre-existing conditions.
Read the full answerWhat health insurance do I need for an MCYV / MEU2 application in Cyprus?
The Cyprus Migration Department accepts either Plan A immigration insurance or a Certificate of Registration with the GHS (with body transport cover) for an MEU2 residence card application by a non-EU family member of an EU citizen. Plan A starts from €120 per year and is the most commonly used option.
Read the full answerPrivate Health Insurance FAQ
Private cover alongside GESY, monthly costs, and what DCare actually pays for in Cyprus.
How much does private health insurance cost per month in Cyprus?
From €40 to €60 per month for basic local cover, €80 to €150 for comprehensive Cyprus plans like DCare, and €150 to €400+ for international plans. Family bundles save 10 to 15 percent.
Read the full answerIs private health insurance worth it in Cyprus?
Yes for most expats. GESY public cover is solid but specialist waits run 4 to 8 weeks. A €60 to €150 monthly Cyprus plan such as DCare gets you seen in days at private hospitals.
Read the full answerWhat is the best private health insurance company in Cyprus?
No single best company. Strong local plans include AKD DCare, Trust TRUcare, Atlantic, and Cosmos. Strong international plans include Bupa Global, Allianz Care, Cigna, and AXA. Compare two or three before signing.
Read the full answerDo I need private health insurance in Cyprus?
Not legally for EU citizens or GESY contributors. Required for non-EU residence permits via Plan A. Most expats add a Cyprus private plan such as DCare on top for faster specialist access.
Read the full answerWhat does private health insurance cover in Cyprus?
Private hospital admission, surgery, intensive care, cancer treatment, and diagnostics as standard. Outpatient specialist visits, dental, optical, and maternity are usually optional add-ons.
Read the full answerDoes private health insurance cover pre-existing conditions in Cyprus?
Usually not. Most Cyprus plans exclude pre-existing conditions or cover them only after a 1 to 2 year wait, while the public GESY system covers them for everyone.
Read the full answerHome Insurance FAQ
Buildings vs contents, earthquake cover, mortgage requirements, and what Cyprus weather actually does to a roof.
Business Insurance FAQ
Professional indemnity, liability covers, and what Cyprus regulators actually require from licensed professions.
Yacht & Boat Insurance FAQ
Costs, marina requirements, sailing to Greece, charter cover and Mediterranean cruising limits for boat owners in Cyprus, Greece and Malta.
Is boat insurance mandatory in Cyprus, Greece and Malta?
It varies. Cyprus: law passed in 2026, not yet in force, and marinas ask for third-party cover to berth. Greece makes it compulsory for pleasure boats over 7 m and all speedboats, and Malta for engines over 9.9 HP.
Read the full answerDo you need insurance to charter a yacht in Greece?
The charter company insures the yacht and carries third-party liability. You are liable only up to the security deposit (€1,000-5,000), which optional deposit insurance can protect.
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