This insurance provides cover to a private motor car which is used solely for: Social, domestic and pleasure purposes and for own business and profession. The various scopes of cover available are as follows:
- Comprehensive (COMP)
- Third Party Fire and Theft (TPF&T)
- Third Party Only cover (TPO)
This is the widest form of cover that one can get and includes:
- Accidental damage to the vehicle, including fire damage
- Theft of the vehicle
- Damage to other vehicles or property (TPPD)
- Injury to or death of Third Party person(s) outside your vehicle, caused by your vehicle.(TPPI)
- Our detailed UTULUVU ROAD ASSISTANCE ADD ON COVER
Optional Benefits
We offer the following optional benefits at an additional premium:
- Personal Accident to the Insured person only
- COMESA Extension
- Excess Protector
- Towing & Recovery
- Third Party Property Damage Limit Extension
- Windscreen/Window Glass Extension
- PVT (Political, Violence and Terrorism)
Risks not covered in our Motor Insurance cover are:
- Own death or injury
- Damage to tyres unless the motor vehicle is also damaged
- Consequential Loss/ Depreciation/ Wear and Tear
- Loss outside the geographical area
- Loss due to cheating
- Influence of alcohol
- Use of motor vehicle for unlawful purpose
- Damage caused by overloading/strain
The risks not covered under our motor cycle insurance are:
- Loss of personal effects
- Personal accident cover
- Use in connection with motor trade
- Racing
- Use for carriage of passengers for hire/reward
- Consequential loss
- Loss/Damage to accessories/ spare parts by theft unless motorcycle is also stolen
- Damage to tyres
- Depreciation Wear and Tear
- Mechanical and electrical breakdowns
- Loss of use
This cover is not very common. It has features of Comprehensive cover but excludes own damage arising from an accident. This is appropriate for vehicles not used on the road. The policy may be extended to include the above extra covers under comprehensive cover.
This covers unlimited liability for Third party personal injuries or death. For any vehicle, this is the minimum cover required by the Motor Insurance Act. No cover is provided for any form of damage to the policyholder’s vehicle.
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