Motor Private Insurance

Motor Private Insurance

This policy provides protection against losses incurred as a result of traffic accidents and against third party property damage or injury or death following an accident. A private motor insurance gives you peace of mind and protection for you and your vehicle.

Our Range of Motor Private Insurance

  • Tiered Comprehensive Insurance

    PEARL COVER

    Basic Cover

    • Liability to other people and their property
    • Loss of or Damage to your car due to Accident, Fire, Theft

    Standard Free Extensions

    • Towing
    • Legal Assistance (Legal Costs and Expenses)

    Extra Benefits

    • Cyclone and Flood Perils
    • Alloy Wheel replacement
    • Personal Belongings

    Optional Extensions (No additional premium)

    • Personal Accident cover for Passengers

    Optional Extensions (with additional premium)

    • Loss of use – Limit SCR 6,000
    • Windscreen and Window Damage
    • Driver-at-fault Compensation Cover – Limit SCR 100,000

     

    RUBY COVER

    Basic Cover

    • Liability to other people and their property
    • Loss of or Damage to your car due to Accident, Fire, Theft

    Standard Free Extensions

    • Towing
    • Legal Assistance (Legal Costs and Expenses)
    • Liability to Members of Your Household
    • Medical Expenses following Road Accident – Limit SCR 10,000

    Extra Benefits

    • Cyclone and Flood Perils
    • Alloy Rim Replacement
    • Personal Belongings
    • Strikes, Riot and Civil Commotion
    • Theft or Accidental Loss of Driving Licence
    • Loss of Driving Ability – Permanent – Limit SCR 50,000
    • Child Seat – Limit SCR 2,000
    • Loss of Car Keys and Lock Replacement
    • Extra Freight Expenses – unavailability of spare parts
    • Funeral Expenses Assistance – Limit SCR 10,000
    • Alternative Transport Costs – Limit 15 days
    • Liability following unauthorized use by a minor

    Optional Extensions (No additional premium)

    • Personal Accident for Passengers
    • Windscreen and Window Damage
    • Driver-at-fault Compensation Cover – Limit SCR 100,000

    Optional Extensions (with additional premium)

    • Loss of use – Limit SCR 6,000
    • Replacement Car following Breakdown or Misfuelling – Limit 10 days

     

    TITANIUM COVER

    Basic Cover

    • Liability to other people and their property
    • Loss of or Damage to your car due to Accident, Fire, Theft

    Standard Free Extensions

    • Towing
    • Liability to Members of Your Household
    • Medical Expenses following Road Accident – Limit SCR 10,000
    • Legal Assistance (Legal Costs and Expenses)

    Extra Benefits

    • Cyclone and Flood Perils
    • Strikes, Riot and Civil Commotion
    • Theft or Accidental Loss of Driving Licence
    • Loss of Driving Ability – Permanent – Limit SCR 50,000
    • Child Seat – Limit SCR 2,000
    • Alloy Wheel replacement
    • Personal Belongings
    • Loss of Car Keys and Lock Replacement
    • Extra Freight Expenses – unavailability of spare parts
    • Funeral Expenses Assistance – Limit SCR 10,000
    • Alternative Transport Costs – Limit 15 days
    • Liability following unauthorized use by a minor
    • First Claim Excess Waiver (1st Year)
    • New Car Replacement (1st Year) not > 110% S.I.
  • Third Party Only

    Covers your liability to pay for damage caused by your vehicle to another person’s property.

  • Third Party, Fire and Theft

    Covers the accidental loss or damage to your vehicle caused by fire or theft, as well as any damage to another person’s property.

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