Driving to Greece, in the north of the island or in a hire car: is my insurance valid?

Compulsory third-party cover is valid in every EU country, so in Greece too. Comprehensive and other optional cover apply only as your policy says. For the time on the ferry, ask your insurer.

Third party applies across the EU by law. For optional cover there are no common EU rules: countries, time limits and exclusions are set by your own policy. Ask for written confirmation before you travel.

According to Your Europe, compulsory insurance is valid in all other EU countries. Ask your insurer whether it gives you a green card for the trip, especially if you will pass through countries outside the EU. Always carry your insurance certificate.

Do not assume it. The UK government’s travel advice says you will not be allowed to cross without the correct insurance documents, and that insurance for the north is sold at some crossing points. Ask your insurer in writing whether your policy applies there.

According to the UK government, at some crossing points you can buy car insurance for the north, for example at Agios Dometios. What exactly it covers and how it handles a claim we could not confirm. Read the document you are given before paying and keep it with you.

How such a claim is handled we could not confirm. Keep the document of the insurance you bought at the crossing, the other driver’s details, photos and any police paper from there. Tell your own insurer in writing too and ask for a written answer.

Ask the hire company in writing before you collect the car. According to the UK government, cars hired in the Republic of Cyprus often have no insurance in the north, and without the correct insurance documents you will not get through. The hire contract may also forbid it.

The UK government’s travel advice for Cyprus says hire firms often ask for your passport as a deposit, and that this is illegal. Offer a card deposit and keep your passport. For a dispute with the firm, turn to the Consumer Protection Service.

There is no single right answer. The hire firm’s “zero excess” cover reduces what you pay on the spot; a separate excess policy usually reimburses you later, under its own terms and exclusions (for example tyres, glass, the underside). Compare what each one excludes before you choose.

According to the UK government, quad and moped hire firms usually give third-party cover only. That pays for damage to others, not to the vehicle you hired. Ask for the charge in writing with a breakdown and compare it with your photos from collection.

Vehicles normally kept in another Member State are not subject to insurance checks, under conditions, but when you move, ask your current insurer how long it covers you. Once the car is registered in Cyprus, it needs Cyprus insurance. Before you leave, ask for the 5-year claims-history statement.

Ask insurers in Cyprus whether they will insure the car on its foreign plates until registration. The law provides frontier insurance for a vehicle entering without a recognised certificate, from 30 days to one year, not renewable. For registration, the Road Transport Department.

Yes. According to Your Europe, from your home country you claim through the at-fault insurer’s claims representative or the national compensation body. If liability is not disputed and the damage has been assessed, you should get a reasoned offer within 3 months, otherwise you may be entitled to interest. Tell your own insurer too.

Many Cyprus policies cover the specific car they name, not other cars you drive. A hire car has the hire company’s insurance. Check your own policy and ask before you travel.

The law recognises the green card for vehicles not normally kept in Cyprus. If there is no recognised certificate, a frontier insurance certificate is issued on entry, valid from 30 days to one year, and it cannot be renewed.

This is set by the territorial scope of your own policy; many policies say “Republic of Cyprus” or “Cyprus”, with or without details. Ask your insurer for written confirmation about the Bases roads.

Yes. Your insurer must give you a claims-history statement for the last 5 years within 15 days, on a standard EU form. In the EU, the new insurer must count it as it does for local residents; outside the EU, it decides itself.

Cyprus law requires cover in the countries of the Multilateral Guarantee Agreement, subject to the Minister’s notices; optional cover applies only where your policy says. Before you go, ask your insurer in writing whether the country is covered and whether you need a green card.

Ask the company in writing for the reason, photos and an invoice, and compare them with your own photos. If you did not authorise the charge, the bank must refund an unauthorised payment by the end of the next business day at the latest (PSD2); a charge under a term you signed may count as authorised. Speak to your bank and, for the dispute, the Consumer Protection Service.

Many policies cover the car while it is shipped between countries they cover, others do not. This is in the territorial scope and exclusions of your own policy. Ask in writing before the trip.

We did not confirm this; it depends on the country that issued your licence. Ask the hire company and the Road Transport Department before you travel.