Motor Insurance

Provides protection against accidental loss or damage to motor vehicle, third party property damage, bodily injury or death liabilities.

The various scopes of cover available are as follows:

• Comprehensive
• Third Party, Fire & Theft
• Third Party only

1. Comprehensive Cover

This is the widest cover available and provides indemnity from:

• Accidental damage to the vehicle, including fire damage
• Theft of vehicle
• Damage to other vehicles or property (TPPD)
• Injury to or death of a passenger in your vehicle (applicable to private cars)
• Injury to or death of Third Party person(s) outside your vehicle, caused by your vehicle (TPPI)

The above are the basic areas under the Comprehensive cover. However, the policy can be extended to cover the following, normally at a nominal additional cost;

• Riot, strike and civil commotion.
• Flood, typhoon, hurricane, volcanic eruption and earthquake.
• Windscreen (Replacement if windscreen breaks accidentally)
• Non-standard accessories like radio cassette etc
• Medical expenses
• Towing expenses

   2. Third Party Only

This covers liability for third party property damage, personal injuries or death. For any vehicle, this is the minimum cover required by the Motor Insurance Act.

General Exceptions:

• Loss of Use
• Depreciation, Wear & Tear
• Mechanical or Electrical Breakdown Failures & Breakages
• Damage by Frost
• Damage to Tyres by Application of Brakes, Road Punctures, Cuts or Bursts
• Cover Excluded from The Comprehensive Cover
• Personal Accident Benefits
• Medical Expenses
• Rugs, Clothes, and Personal Effects

1. Third Party, Fire and Theft cover

It has features of Comprehensive cover but excludes damage arising from an accident. It covers third-party risks and in addition to that, it also covers loss or damage by fire, external explosion, self-ignition or lighting or burglary or theft.

The policy may be extended to include the above extra covers under comprehensive cover.

• Motor Cycle

This covers liability for third-party property damage, personal injuries, or death. The range is the same as for private car policies i.e. Third Party, Third Party Fire & Theft, and Comprehensive.

General Exceptions:

• Loss of Use
• Depreciation, Wear & Tear
• Mechanical or Electrical Breakdown Failures & Breakages
• Damage By Frost
• Accidents outside of the geographical area covered by the policy
• Damage caused by flood, typhoon hurricane volcanic eruption earthquake or other convulsions of nature invasion the act of foreign enemy hostilities or warlike operations

Own Damage Section

The policy indemnifies the insured against loss or damage to any motorcycle, including accessories and spare parts while attached on a motorcycle. No cover while spares and accessories detached from a motorcycle.

No cover for theft of accessories or spare parts unless the cycle is stolen.