Does using a broker cost more?

Usually not. Brokers are normally paid commission by the insurer, which is built into the premium whether you buy through a broker or not. Ask your broker to confirm how they're paid.

Can I keep my UK car insurance in Cyprus?

Not once you live here and register the car locally. You'll need a Cyprus policy. Ask the broker which insurers will consider your UK no-claims history. See driving in Cyprus and importing a car.

Is home insurance compulsory in Cyprus?

Not by law for most homeowners, but mortgage lenders usually require buildings cover. Ask about earthquake cover, because Cyprus has earthquakes and tremors.

What health insurance do I need for a Cyprus visitor permit?

Plan A cover for each family member, covering inpatient and outpatient care and transport of remains. Full details are in our Cyprus health insurance guide.

How does car insurance work in Cyprus?

Third-party cover is the legal minimum, and you need a valid policy on the system to renew your road tax. Cover for damage to your own car costs more. Ask whether the policy names drivers, and whether your UK no-claims history counts. See driving in Cyprus.

Can I buy car insurance online in Cyprus?

Yes. Several Cyprus insurers sell motor policies online with instant quotes. A broker is still useful if you want to compare them or have an imported car.

Can I drive my UK car in Cyprus?

On a visit, yes. Once you live here, the car has to be imported, registered in Cyprus and insured on a Cyprus policy. If you owned and used it for long enough before the move, you may import it without duty or VAT. Our car import service and driving in Cyprus guide explain the rules.

Experts · Insurance

Insurance Brokers in Cyprus: Getting the Right Cover When You Move to Paphos

Your first Cyprus insurance policy is usually health cover for your residence permit, and it has to meet the Migration Department's wording. After that come car and home. A broker who works with several insurers compares them for you and explains the exclusions. We introduce you to one for free.

Vetted, licensed partners
Free introduction
Referral fees disclosed

Request an introduction

Free. I reply personally within one working day.

The short version

Your first Cyprus policy is usually health cover for your permit: Plan A for each family member, covering inpatient, outpatient and repatriation, from about €120 a person a year.

A broker compares several insurers; an agent sells for one. Both are paid by insurer commission, usually built into the premium.

Then come car and home. You need at least third-party motor insurance, and a valid policy to renew road tax.

Vet the broker first: registered with the Insurance Companies Control Service, several insurers, exclusions explained in writing.

Our introduction is free and doesn't change your premium.

What insurance brokers in Cyprus do

An insurance broker compares policies from several insurers and arranges the one that fits you. Brokers are one of the specialist roles in our directory of vetted experts. An agent usually sells for one insurer. For someone new to Cyprus, the broker's value is knowing which policies meet local requirements and what the small print means.

For UK movers, a broker typically arranges:

Health insurance for your permit. Visitor permits need Plan A cover for every family member: inpatient, outpatient and repatriation. Brokers quote it from about €120 a person a year.
Fuller private health cover if you won't qualify for GESY, or want faster access to private specialists. Local plans run about €500–€960+ per adult a year. A healthcare navigator in Cyprus can check whether you qualify.
Car insurance. You need at least third-party motor insurance to drive, and a valid policy to renew road tax.
Home and contents insurance. Lenders usually insist on buildings cover if you have a mortgage, and landlords may ask tenants to insure contents. See buying property in Paphos and renting in Paphos.

Moving with children? Our families guide explains which permits give your children GESY, and which need private cover.

When you'll need an insurance broker

The order most UK movers buy cover in.

Moment	Cover	Watch out for
Before your permit appointment	Plan A health insurance for each family member	Exact certificate wording; renewal with the permit
If you won't be on GESY	Private health cover, individual or family	Pre-existing condition exclusions, outpatient limits
Buying or importing a car	Motor insurance, third-party at least	Whether your UK no-claims history is accepted
Renting	Contents and personal liability	What your landlord's buildings policy already covers
Buying property	Buildings and contents	Earthquake cover, which may be optional; lender requirements
Once you're on GESY	Review private health cover	Keep, downgrade or cancel, but check notice terms

Broker, agent or buying direct?

Three ways to buy insurance in Cyprus, compared for someone who has just arrived.

Broker

Compares several insurers

Wins 3 of 5

Tied agent

Sells for one insurer

Direct or online

You deal with the insurer

Choice of insurers

Several

One

One per quote

Knows Migration Department wording

Should do; ask

For their insurer's policies

You check it yourself

Help with claims

Usually

Call centre or online

How they are paid

Insurer commission

Built into the premium

Best for

Families, medical history, several policies

You already know the insurer you want

A simple car policy once you know the market

The verdict

For your first health policy, use a broker: the permit wording and the exclusions are where new arrivals go wrong. Once you know the market, buying a straightforward car policy online is fine.

Family carrying beach bags down a sandy track to Lara Bay on the Akamas peninsula — A weekend at Lara Bay, on the Akamas peninsula.

The health insurance trap for new arrivals

The most common mistake is buying a policy that looks good but doesn't satisfy the Migration Department. The certificate must show inpatient cover, outpatient cover and repatriation (transport of remains). Travel insurance usually won't do, and GESY isn't accepted for a visitor permit because it doesn't cover repatriation. If a lawyer is handling your permit, ask your Cyprus immigration lawyer to check the certificate before you pay.

The second mistake is treating Plan A as full health cover. Local brokers describe Plan A limits of about €8,544 for hospital care and about €1,700 a year outpatient. If you won't qualify for GESY, ask your broker to price a proper plan alongside it.

Not sure which permit you'll apply for? The relocation route finder tells you, and so which cover you need. Read more in our Cyprus health insurance guide, and check whether you'll qualify for GESY on our healthcare service page.

How to vet an insurance broker in Cyprus

Check these before you share medical details or pay a premium.

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Registered with the Cyprus insurance regulatorAsk for their registration as an insurance intermediary with the Insurance Companies Control Service and check it.
Works with several insurersAsk which insurers they'll quote. One name means they're an agent, not a broker.
Knows Migration Department wordingThey should know the Plan A requirement by heart and offer a certificate in the right form.
Explains exclusions in writingPre-existing conditions, excess, outpatient limits and which hospitals bill directly.
Discloses how they're paidCommission from insurers is normal. They should tell you it exists.
Handles claims, not just salesAsk who you call when you need to claim, and how quickly they respond.

What insurance costs, and who you pay

Health ranges from Cyprus broker and agency guides (2023–2026). Motor and home premiums depend too much on the car and the property for a useful average.

Cover	Typical cost	Paid to
Plan A health, adult	About €120–€250 a year	The insurer
Plan A health, child	About €100–€150 a year	The insurer
Local private medical plan, adult	About €500–€960+ a year	The insurer
Family private health cover	About €150–€400 a month	The insurer
Car and home insurance	Quoted per vehicle and property	The insurer
Broker's service	Usually paid by insurer commission	Built into the premium
Our introduction	€0	—

Sources: local broker guides on immigration and private health insurance; DevelopersCyprus 2026. Always compare written quotes.

Insurance brokers we introduce

Registered intermediaries who compare several insurers, know the Migration Department's requirements and disclose how they're paid.

Licensed and regulated

Registered with the right Cyprus body — Bar Association, ICPAC, CySEC or the Estate Agents Council.

Fluent with UK clients

They know HMRC, UK pensions and how British clients expect to be kept in the loop.

Vetted in person

I’ve worked with them or checked their work with people I trust. No paid listings.

Fees disclosed

If a partner pays a referral fee, I tell you before the introduction.

Partner profiles are shared privately, matched to your situation.

Request an introduction

Free introduction

Get introduced to a Cyprus insurance broker

Tell us what you need covered (health for your permit, family health, car or home) and when. We'll match you with one broker and send you their details.

Plan A certificates the Migration Department accepts
Quotes from several insurers
No change to your premium

Founder-led. Replies within one working day.

Stone village house with blue shutters in Kathikas at golden hour — A stone house in Kathikas, in the hills above Paphos.

Insurance brokers in Cyprus: common questions

No, you can buy direct from an insurer. A broker helps when you need to compare several insurers, meet the Migration Department's wording, or insure a family with medical history.

Insurance in Cyprus

Get the right cover in the right order

Plan A for your permit first, then family health, car and home. We introduce you to a registered broker who compares several insurers. The introduction is free.

Introduce me to a broker Cyprus health insurance explained

Sources checked for this page

1.Migration Department — Supporting documents: visitor temporary residence permitGovernment
2.Migration Department — Supporting documents: visitor, dependent minorGovernment
3.Migration Department — Digital nomads and family membersGovernment
4.GESY — Beneficiaries eligibility FAQ (third-country nationals)Government
5.Local insurance broker guide — Immigration medical insurance (Plan A) limits and pricesProfessional
6.Local insurance broker guide — Health insurance Cyprus cost 2026Professional
7.DevelopersCyprus — Cost of living in Cyprus 2026 (family health insurance range)Professional
8.GOV.UK — Cyprus travel advice: safety and security (driving, UK licences)Government

Written by

Jason

Founder, Paphos Advisor

British founder who moved his family from the UK to Paphos in 2025. I write down what I learned doing it properly — the tax, the residency and the living-here detail — and introduce people to the specialists I’d use myself.

How I research and fact-check

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The professionals a UK move to Paphos can need, who regulates each one, how to check them, and how we introduce you to vetted, independent specialists for free.

Insurance Brokers in Cyprus: Getting the Right Cover When You Move to Paphos

What insurance brokers in Cyprus do

When you'll need an insurance broker

Broker, agent or buying direct?

The health insurance trap for new arrivals

How to vet an insurance broker in Cyprus

What insurance costs, and who you pay

Insurance brokers we introduce

Get introduced to a Cyprus insurance broker

Insurance brokers in Cyprus: common questions

Do I need a broker to buy insurance in Cyprus?

Does using a broker cost more?

Can I keep my UK car insurance in Cyprus?

Is home insurance compulsory in Cyprus?

What health insurance do I need for a Cyprus visitor permit?

How does car insurance work in Cyprus?

Can I buy car insurance online in Cyprus?

Can I drive my UK car in Cyprus?

Sources checked for this page

Keep reading

What insurance brokers in Cyprus do

When you'll need an insurance broker

Broker, agent or buying direct?

The health insurance trap for new arrivals

How to vet an insurance broker in Cyprus

What insurance costs, and who you pay

Insurance brokers we introduce

Get introduced to a Cyprus insurance broker

Insurance brokers in Cyprus: common questions

Do I need a broker to buy insurance in Cyprus?

Does using a broker cost more?

Can I keep my UK car insurance in Cyprus?

Is home insurance compulsory in Cyprus?

What health insurance do I need for a Cyprus visitor permit?

How does car insurance work in Cyprus?

Can I buy car insurance online in Cyprus?

Can I drive my UK car in Cyprus?