How’s your driving? Use your phone to find out and be a winner.

Anytime rewards you for driving carefully

At Anytime we envision a world of safer driving and less accidents. With the innovative Anytime Smart Drive insurance program, we now reward your driving behavior and offer you discounts on your premiums. How? By creating the first insurance program that integrates with the Anytime Smart Drive Cyprus app on your mobile, which helps you rate your driving behavior and improve your driving. The safer you drive, the more you win!

How to join

  1. Purchase the Smart Drive insurance program that suits you

  2. Download the Smart Drive Cyprus app from 
    or

  3. Connect to the App and follow the instructions you will receive directly to your email

Get a quote

The Smart drive program is perfect for you if :

  • you consider yourself a careful driver
  • you’re always seeking to improve your driving behavior
  • you are 18-30 years old, because Smart Drive rewards you from day one with a discount on your premium
  • you’d like to ensure additional discounts on your renewal, regardless of your age, just because you drive safely
  • you wish to enjoy rewards and surprises for your driving performance at any time
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Try the Smart Drive Cyprus app for free

A new driving experience

Once you choose the Smart Drive insurance program that suits you and activate the Smart Drive Cyprus app, you will get updated on your driving behavior at the end of each route, including the info below:

  • your general score 0-100
  • each route’s details
  • your performance daily, weekly, monthly, and in total

You may also:

  • identify possible areas of improvement in your driving behavior
  • compare yourself to other drivers

The score for each route and the total score are calculated based on your driving behavior, meaning:

  • over-speeding
  • mobile use while driving
  • braking
  • accelerating

Exclusive discounts just for you depending on your score

You can get a discount on your policy renewal, valid for drivers 18-80 years old, with the condition that the application is used for at least 250 kilometers per month.

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your score

*****

****

***

**

*

your discount

15%

10%

5%

0%

0%

Don’t forget!

If you are 18-30 years old, you get an additional discount on your premium the moment you purchase an Anytime Smart Drive insurance product. What’s more, you can have a Full Comprehensive coverage even at the age of 23!

The Smart Drive insurance product is specially designed for individuals and does not apply to companies or business vehicles

Even more flexible coverage

Unique cover products to have the peace of mind and the security you need, every step of the way!

Economic

The ideal solution for the insurance cover absolutely necessary by law, including Road Assistance.

The covers in detail

    Economic

    The ideal solution for the insurance cover absolutely necessary by law, including Road Assistance.

    With the credibility of INTERAMERICAN and the immediacy of Anytime

    • Third party liability

      The third party liability cover is mandatory for all vehicles, according to the applicable Law.

      Cover is provided for the liability of the driver of the insured motor vehicle for damage caused from the use of the insured motor vehicle, up to the following limits:

      • Bodily injury: €36,350,000 (per claim)
      • Property damage: €1,220,000 (per claim)
      • Emergency hospitalisation: €85 (per person)
    • Use whilst towing a trailer

      Third party liability cover also includes liability arising from the use of the insured motor vehicle whlilst towing a trailer.

      The company's liability concerning this cover is included in the third party liability limit.

    • Off-road use

      Third party liability cover also includes liability arising from off-road use of the insured motor vehicle.

      The company's liability concerning this cover is included in the third party liability limit.

    • Passenger liability

      Third party liability coverage also includes passenger's liability whilst entering or exiting the insured motor vehicle.

      The company's liability concerning this cover is included in the third party liability limit.

    • Cover for the liability of Authorized Drivers

      Cover is provided for any authorized driver other than the insured between 25-80 years of age and holders of a regular driving licence over 2 years.

      Authorized drivers between 25-80 years of age, holders of a driving licence less than 2 yeas are covered only if this is declared.

      Authorized drivers less than 25 years of age are covered only if this is declared.

      If is declared that the vehicle will be driver by a driver less than 25 years of age then we provide cover for any authorized driver between 18-80 years of age.

    • Accident Care

      Accident Care includes the following covers, which are provided for incidents that take place in Cyprus, on a 24-hour basis:

      • Immediate service of the motor vehicle in the event of an accident, wherever the motor vehicle may be located.
      • On-site recording of the accident and completion of the accident declaration.
      • Photographing the scene of the accident and of the vehicles involved and collecting witnesses declarations.
    • Road Assistance

      Road Assistance includes the following covers, which are provided for accidents that take place in Cyprus and in Greece, on 24-hour basis:

      • On-site service of the insured motor vehicle by a mobile repair crew, in any case of breakdown or accident
      • Transportation of the motor vehicle to a repair shop or other location of choice. For accidents that took place in Cyprus, it is possible to transport the motor vehicle to a repair shop or to any other location within the district where the Insured Person permanently resides
      • Immobilisation as a result of loss of keys
      • Immobilization due to running out of fuel
      • Tire change

Value

The Economic program with additional coverage for more safety.

The covers in detail

    Value

    The Economic program with additional coverage for more safety.

    With the credibility of INTERAMERICAN and the immediacy of Anytime

    • Third party liability

      The third party liability cover is mandatory for all vehicles, according to the applicable Law.

      Cover is provided for the liability of the driver of the insured motor vehicle for damage caused from the use of the insured motor vehicle, up to the following limits:

      • Bodily injury: €36,350,000 (per claim)
      • Property damage: €1,220,000 (per claim)
      • Emergency hospitalisation: €85 (per person)
    • Use whilst towing a trailer

      Third party liability cover also includes liability arising from the use of the insured motor vehicle whlilst towing a trailer.

      The company's liability concerning this cover is included in the third party liability limit.

    • Off-road use

      Third party liability cover also includes liability arising from off-road use of the insured motor vehicle.

      The company's liability concerning this cover is included in the third party liability limit.

    • Passenger liability

      Third party liability coverage also includes passenger's liability whilst entering or exiting the insured motor vehicle.

      The company's liability concerning this cover is included in the third party liability limit.

    • Cover for the liability of Authorized Drivers

      Cover is provided for any authorized driver other than the insured between 25-80 years of age and holders of a regular driving licence over 2 years.

      Authorized drivers between 25-80 years of age, holders of a driving licence less than 2 yeas are covered only if this is declared.

      Authorized drivers less than 25 years of age are covered only if this is declared.

      If is declared that the vehicle will be driver by a driver less than 25 years of age then we provide cover for any authorized driver between 18-80 years of age.

    • Accident Care

      Accident Care includes the following covers, which are provided for incidents that take place in Cyprus, on a 24-hour basis:

      • Immediate service of the motor vehicle in the event of an accident, wherever the motor vehicle may be located.
      • On-site recording of the accident and completion of the accident declaration.
      • Photographing the scene of the accident and of the vehicles involved and collecting witnesses declarations.
    • Road Assistance

      Road Assistance includes the following covers, which are provided for accidents that take place in Cyprus and in Greece, on 24-hour basis:

      • On-site service of the insured motor vehicle by a mobile repair crew, in any case of breakdown or accident.
      • Transportation of the motor vehicle to a repair shop or other location of choice. For accidents that took place in Cyprus, it is possible to transport the motor vehicle to a repair shop or to any other location within the district where the Insured Person permanently resides.
      • Immobilisation as a result of loss of keys.
      • Immobilization due to running out of fuel.
      • Tire change.
    • Windscreen & Glass Damage

      Cover is provided for the cost of spare parts as well as for replacement or repair work for damage caused to the windscreen and to the windows of the insured motor vehicle due to any external cause.

      In addition, cover is provided for crystal tops, protective membranes and rain sensors. Windows, windscreens or sunroofs made of plastic or gelatine are not covered.

      Cover is provided with a maximum limit of €600 for commercial vehicles and €1,000 for private vehicles.

      If the damage is repaired by a partner company, payment is made directly by Anytime, without the Insured Person being charged. Otherwise, an excess of €50 will apply.

    • Personal Accident

      The driver of the motor vehicle will be covered for an accident that takes place while driving, which leads to death or the serious injuries referred to in the relevant insurance term.

      The amount of cover in the event of death is €10.000.

      In case of personal injury, the Company will compensate the driver by paying a percentage, which will vary depending on the personal injury, on the amount of €10.000. The percentages corresponding to each covered personal injury are set out in the Insurance Terms Handbook.

Premium (Full Comprehensive)

The ultimate comprehensive coverage for your vehicle’s full insurance. A complete insurance program with low excess, designed against all risk.

The covers in detail

    Premium (Full Comprehensive)

    The ultimate comprehensive coverage for your vehicle’s full insurance. A complete insurance program with low excess, designed against all risk.

    With the credibility of INTERAMERICAN and the immediacy of Anytime

    • Third party liability

      The third party liability cover is mandatory for all vehicles, according to the applicable Law.

      Cover is provided for the liability of the driver of the insured motor vehicle for damage caused from the use of the insured motor vehicle, up to the following limits:

      • Bodily injury: €36,350,000 (per claim)
      • Property damage: €1,220,000 (per claim)
      • Emergency hospitalisation: €85 (per person)
    • Use whilst towing a trailer

      Third party liability cover also includes liability arising from the use of the insured motor vehicle whlilst towing a trailer.

      The company's liability concerning this cover is included in the third party liability limit.

    • Off-road use

      Third party liability cover also includes liability arising from off-road use of the insured motor vehicle.

      The company's liability concerning this cover is included in the third party liability limit.

    • Passenger liability

      Third party liability coverage also includes passenger's liability whilst entering or exiting the insured motor vehicle.

      The company's liability concerning this cover is included in the third party liability limit.

    • Cover for the liability of Authorized Drivers

      Cover is provided for any authorized driver other than the insured between 25-80 years of age and holders of a regular driving licence over 2 years.

      Authorized drivers between 25-80 years of age, holders of a driving licence less than 2 yeas are covered only if this is declared.

      Authorized drivers less than 25 years of age are covered only if this is declared.

      If is declared that the vehicle will be driver by a driver less than 25 years of age then we provide cover for any authorized driver between 18-80 years of age.

    • Accident Care

      Accident Care includes the following covers, which are provided for incidents that take place in Cyprus, on a 24-hour basis:

      • Immediate service of the motor vehicle in the event of an accident, wherever the motor vehicle may be located.
      • On-site recording of the accident and completion of the accident declaration.
      • Photographing the scene of the accident and of the vehicles involved and collecting witnesses declarations.
    • Road Assistance

      Road Assistance includes the following covers, which are provided for accidents that take place in Cyprus and in Greece, on 24-hour basis:

      • On-site service of the insured motor vehicle by a mobile repair crew, in any case of breakdown or accident.
      • Transportation of the motor vehicle to a repair shop or other location of choice. For accidents that took place in Cyprus, it is possible to transport the motor vehicle to a repair shop or to any other location within the district where the Insured Person permanently resides.
      • Immobilisation as a result of loss of keys.
      • Immobilization due to running out of fuel.
      • Tire change.
    • Windscreen & Glass Damage

      Cover is provided for the cost of spare parts as well as for replacement or repair work for damage caused to the windscreen and to the windows of the insured motor vehicle due to any external cause.

      In addition, cover is provided for crystal tops, protective membranes and rain sensors. Windows, windscreens or sunroofs made of plastic or gelatine are not covered.

      Cover is provided with a maximum limit of €600 for commercial vehicles and €1,000 for private vehicles.

      If the damage is repaired by a partner company, payment is made directly by Anytime, without the Insured Person being charged. Otherwise, an excess of €50 will apply.

    • Personal Accident

      The driver of the motor vehicle will be covered for an accident that takes place while driving, which leads to death or the serious injuries referred to in the relevant insurance term.

      The amount of cover in the event of death is €10.000.

      In case of personal injury, the Company will compensate the driver by paying a percentage, which will vary depending on the personal injury, on the amount of €10.000. The percentages corresponding to each covered personal injury are set out in the Insurance Terms Handbook.

    • Fire

      Cover is provided for damage caused to the insured motor vehicle as a result of fire as well as explosion, however no cover is provided where the damage is caused by strikes, riots and civil unrest.

      The compensation amount will be calculated according to the vehicle market value in the date of the accident but not more than the insured value declared on the Policy Schedule

    • Complete theft

      Cover is provided where the insured motor vehicle is stolen. The compensation amount will be calculated according to the vehicle market value in the date of the theft, but not more than the insured value declared on the Policy Schedule.

      The claim will be covered 28 days after the date on which the vehicle has been reported to the Police as stolen, provided that the motor vehicle (either in whole or in part) has not been found by the competent authorities.

    • Partial theft

      Cover includes:

      • Compensation for parts or spare parts stolen from the motor vehicle, which are permanently attached or fixed on the vehicle and which are necessary for its safe movement and operation
      • Compensation for stolen sound, video, navigation and telecommunication systems at their full value, provided they have been installed by the factory where the motor vehicle was manufactured. If these systems were installed in the vehicle at a later stage, the total amount of compensation will be up to €500.
      • Damage caused to the body of the motor vehicle at the time of removal and/or attempted removal of the items or spare parts mentioned above and which is caused by the thief cause in his effort to gain access to the interior of the motor vehicle.
      • Compensation up to €150 for the replacement of keys or locks, in the event that the keys of the motor vehicle are stolen or lost.
      • Any damage caused to the vehicle while in the possession of the thief.
      • For the cover to be provided the theft should be declared to the police and company receives a relevant Police Report
      • The compensation amount will be calculated according to the vehicle market value in the date of the accident but not more than the insured value declared on the Policy Schedule
    • Natural perils

      Cover is provided for damage caused to the insured motor vehicle directly by storm, thunderstorm, tornado, flood, hail, snow, hurricane, volcanic eruption or earthquake, but not from frost.

      The compensation amount will be calculated strong according to the vehicle market value in the date of the accident but not more than the insured value declared on the Policy Schedule

    • Strikes, riots, civil commotion

      Cover is provided for material damage caused to the insured motor vehicle from strikes, riots and civil unrest.

      A necessary condition for the compensation of this cover, is the presentation of the relevant Police report.

      The compensation amount will be calculated according to the vehicle market value in the date of the accident but not more than the insured value declared on the Policy Schedule

    • Own Damage

      Cover is provided for damage caused to the insured motor vehicle as a result of an accident, impact, collision, diversion, overturning or fall in case of an accident, regardless of whether the driver is at fault, unless the damage was caused while the insured motor vehicle was not under the lawful owner’s possession following theft or robbery or the damage was caused due to poor maintenance or while the vehicle was being driven on roads where movement is prohibited by the Authorities.

      The compensation amount will be calculated according to the vehicle market value in the date of the accident but not more than the insured value declared on the Policy Schedule

    • Malicious Damage

      Cover is provided for malicious damage caused to the insured motor vehicle on purpose by a person with the intention to cause vandalism or sabotage, provided that such damage has not been caused by fire or explosion and was not caused during any strike, lockout, riot, civil commotion, acts of terrorism and disruption of public order.

      The compensation amount will be calculated according to the vehicle market value in the date of the accident but not more than the insured value declared on the Policy Schedule

    • Loss of use of the vehicle

      If, due to the damage that is covered by the Insurance Policy, the insured motor vehicle must remain in a garage for repairs, the following is provided to the Insured Person for a period of up to 15 days:

      • replacement vehicle or
      • daily compensation up to €15 per day

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