Top 8 Insurance Mistakes Expats Make in North Cyprus and How to Avoid Them

Moving to Northern Cyprus is exciting, but navigating insurance here can be tricky, especially for expats. At Can Sigorta, we’ve seen many expats face unnecessary costs and risks because of common insurance mistakes. Avoid these pitfalls to protect yourself, your vehicle — and save money in the process.

1. Not Understanding Local Insurance Requirements

Many expats assume insurance policies work the same as in their home countries. However, Northern Cyprus has specific rules for car insurance and liability coverage. Knowing the minimum legal requirements will help you stay compliant and avoid fines.

2. Skipping Comprehensive Coverage Like Full Kasko

Some drivers only get the mandatory third-party liability insurance, but this leaves your vehicle vulnerable to theft, fire, and accident damages. Full Kasko insurance provides extensive protection tailored for North Cyprus roads and conditions.

3. Using Incomplete or Inaccurate Personal Information on Policies

Incorrect details can invalidate your insurance claim when you need it most. Always double-check your personal and vehicle information before finalizing any policy.

4. Providing a Temporary or Invalid Local Phone Number

Many expats give a local phone number when signing up for insurance that they later stop using or deactivate. This leads to missed communications, including renewal reminders and important policy updates, potentially causing unintentional policy lapses. Make sure your contact details are always current and reachable.

5. Forgetting About Legal and Road Safety Updates

Recent changes, such as the introduction of AI traffic cameras that detect speeding, seat belt violations, and more, mean you need to stay informed. Failure to comply can lead to instant fines and insurance complications.

6. Choosing Insurance Solely Based on Price Without Checking Coverage

While budget matters, the cheapest policy may leave you underinsured. Being underinsured means your coverage might not fully cover damages or losses, leaving you to pay out-of-pocket after an accident. It’s crucial to evaluate coverage details carefully to ensure you’re adequately protected.

7. Not Reviewing or Updating Your Insurance Regularly

Life changes — new car, legal updates, or changes in driving habits — mean your insurance needs can evolve. Schedule regular reviews with your insurance provider to keep your policy up to date.

8. Ignoring the Importance of Prompt Claim Reporting

Delaying claim reports can complicate or invalidate your compensation. Always notify your insurer as soon as possible after an incident.