Motor Third Party Liability Insurance


Third Party Liability Insurance in North Cyprus 

What is Third Party Liability Insurance?

Third Party Liability Insurance is a mandatory insurance policy for all vehicle owners and drivers operating within the borders of the Turkish Republic of Northern Cyprus (KKTC). This insurance covers damages caused by the insured vehicle to third parties in traffic accidents, protecting drivers from financial liability.

Key Policy Information

  • Covers damages to third parties (both bodily injury and property damage) within KKTC only.

  • Does not cover the insured’s own vehicle or personal injuries.

  • Mandatory for all vehicles, including commercial vehicles.

  • Valid for one year and must be renewed annually.

What is Not Covered?

  • Damages caused outside KKTC borders.

  • Accidents caused by drivers under the influence of alcohol or drugs.

  • Damages caused by unlicensed drivers.

  • Claims for emotional or moral damages.

  • Damages related to the vehicle’s load or cargo beyond the policy limits.

  • Damages caused by stolen or hijacked vehicles.

  • Damages to the insured’s own vehicle or towing vehicles.

  • Commercial use damages if not declared in the policy.

Important Payment Update — Effective from 1 September 2025

Starting from 1 September 2025, all payments for Third Party Liability Insurance premiums in KKTC must be made exclusively via credit card. This regulation has been introduced to increase payment security, transparency, and compliance with the Closed Premium Collection System implemented by the KKTC Insurance Regulatory Authority.

  • No cash, bank transfer, or other payment methods will be accepted.

  • Policyholders must have access to a valid credit card for purchasing and renewing their policies.

  • This change applies to all insurance companies and agents operating within KKTC.

Discount Ban on Third Party Liability Insurance

Please note that offering discounts on Third Party Liability Insurance premiums is strictly prohibited by law in KKTC. This regulation ensures a fair market and prevents underpricing that could threaten financial stability and claim settlements.

Common Law and Legal Consequences in North Cyprus

North Cyprus operates under Common Law principles. Not having a valid Third Party Liability Insurance policy can lead to serious legal consequences including:

  • Vehicle impoundment and traffic bans.

  • Heavy fines and penalties.

  • Liability for loss of earnings, pain and suffering, and permanent disability compensation in cases of bodily injury caused by uninsured drivers.

  • Potential criminal charges for driving without mandatory insurance.

Digital Policy Verification

Your Third Party Liability Insurance policy can be checked and verified digitally by authorities and stakeholders. This ensures up-to-date compliance without the need for physical documents.

Why Choose Can Insurance?

  • Fully licensed and approved under KKTC regulations.

  • Over 65 years of trusted experience serving Northern Cyprus.

  • Multilingual customer support tailored to expats and locals alike.

  • Transparent processes with online policy management and support.

  • Dedicated branch offices in Lefkoşa, Girne, Güzelyurt, and İskele.

Contact Us

For more information or personalized insurance quotes, please contact:
📞 +90 392 444 0 777
📱 +90 542 880 7007
📧 info@cansigorta.com