Motorcycle Insurance in Cyprus
From €50/year. All bikes covered: scooters, motorcycles, mopeds. Mandatory third-party to full comprehensive.
Riding without insurance in Cyprus will cost you a €200 on-the-spot fine, your bike gets impounded, and you could face up to 1 year in prison. Every motorcycle, scooter, and moped on public roads must carry insurance under Law 96(I)/2000.
Why DigiCare
Why riders choose DigiCare for motorcycle insurance
Compare & Save
We're an independent broker, which means we actually shop around for you. We check rates from 10+ licensed Cyprus insurers and bring back the lowest price. You're not stuck with one company's quote.
Fast Cover
Need to ride today? We can have your insurance certificate in your inbox the same day. No waiting around, no trips to a branch office.
All Bikes Covered
Scooter, sport bike, touring motorcycle, moped. We insure personal-use bikes of all engine sizes. And yes, that includes the 600cc+ machines that most brokers won't even quote on.
English, Russian & Greek
Just moved to Cyprus or been here for years? Either way, we handle everything in your language. Quotes, policy documents, claims support.
Motorcycle insurance coverage types in Cyprus
Cyprus law requires at least third-party liability (TPL) cover. But depending on your bike's value and what you're comfortable spending, you might want more protection. Here's how the three main levels stack up.
| Feature | Third-Party (TPL) | Fire & Theft (TPFT) | Comprehensive |
|---|---|---|---|
| Third-party bodily injury | |||
| Third-party property damage | |||
| Passenger injury cover | |||
| Theft of your motorcycle | |||
| Fire damage to your motorcycle | |||
| Accidental damage to your motorcycle | |||
| Vandalism | |||
| Natural disaster damage | |||
| Legal minimum in Cyprus | |||
| Annual cost range | €50-215 | €120-350 | €250-600+ |
| Best for | Budget riders, older bikes | Mid-value bikes | New or high-value bikes |
I'll be upfront with you: comprehensive cover for bikes over 600cc is genuinely hard to find. This isn't a DigiCare thing, it's a market-wide issue across Cyprus insurers. That said, we'll search our entire panel to track down the best available option for you.
How much does motorcycle insurance cost in Cyprus?
I get this question almost every week. The honest answer: it mostly comes down to engine size. Third-party cover for a small scooter starts at around €50 per year. A 600cc+ sport bike? Naturally more. Here are some typical starting prices to give you a ballpark.
| Engine Size | Coverage | Annual Premium |
|---|---|---|
| Up to 50cc | TPL | From €50 |
| 50-100cc | TPL | From €65 |
| 100-225cc | TPL | From €85 |
| 225-450cc | TPL | From €125 |
| 450-600cc | TPL | From €165 |
| 600cc+ | TPL | From €215 |
| Sport/performance bikes | TPL + options | €275-370+ |
Prices shown are indicative starting rates based on Minerva Insurance published tariffs and broker market data. Your actual premium depends on your insurer, riding history, age, and bike details.
What affects your premium
Engine size and bike type (sport bikes always cost more to insure)
Your age and how long you've been riding
Claims history and no-claims bonus
How many kilometres you ride per year
Security measures like alarms, immobilisers, or a locked garage
The voluntary excess you're willing to accept
Which coverage level you go with (TPL vs comprehensive)
What happens if you ride without insurance in Cyprus?
The penalties got noticeably stricter on 1 October 2020. Police can now issue on-the-spot fines and impound your bike right there at the roadside. Here's what you're risking.
On-the-spot fine
€200 plus immediate vehicle impounding (since 1 October 2020)
First court conviction
Up to 1 year imprisonment and/or fine up to €1,709
Repeat court conviction
Up to 2 years imprisonment, fine up to €3,417 (within 2 years of first conviction)
Licence suspension
Reported to be at least 6 months for first offence, 12 months for repeat offences
Think about it this way: a full year of third-party cover for most bikes costs less than that single on-the-spot fine. Getting insured really is a no-brainer.
HOW IT WORKS
How to get your motorcycle insurance quote
Tell us about your motorcycle
Share your bike's make, model, engine size, year, and how you use it. Takes about 2 minutes.
We find your best rate
We compare quotes from our panel of licensed Cyprus insurers and send you the best options by email.
Get your certificate
Pick your policy and get your insurance certificate by email the same day. You can ride legally straight away.
FAQ
Frequently asked questions about motorcycle insurance in Cyprus
Get your motorcycle insurance quote today
Compare rates from 10+ Cyprus insurers. Personal cover for scooters and motorcycles. We'll find your best price.