Private Car Insurance

Private Car Insurance applies to motor vehicles used solely for social domestic and pleasure purposes and for business or professional purposes, but excluding use for hire and reward, racing, pace-making, reliability test, speed testing-and for any purpose in connection with motor trade. It provides financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom.

The types of coverage available for Motor Insurance are :

Comprehensive Cover:

  • Loss or damage to the insured vehicle and its accessories and spare parts
  • Legal Liability for death or bodily injury to any third party person
  • Legal liability for loss or damage to third party property
The following benefits are available for extension of the Comprehensive Cover at an additional premium :
  • Windscreen
  • Strike, Riot & Civil Commotion (SRCC)
  • Flood, typhoon or other convulsion of nature
  • Legal Liability of Passengers (LLP)
  • Legal Liability to non-fare paying passengers (LLNP)
  • Additional Driver

Third Party, Fire & Theft Cover:
  • Legal Liability for death or bodily injury to any third party
  • Legal liability for loss or damage to third party property
  • Loss or damage to the insured vehicle as a result of fire and theft

Third Party Cover:
  • Legal Liability for death or bodily injury to any third party
  • Legal liability for loss or damage to third party property