Motor Insurance

• Theft & Attempted Theft Coverage: Protection against full vehicle loss or damage resulting from attempted theft or burglary.
• Fire & Accidental Damage: Coverage for repair or replacement costs following accidental collision, overturning, or fire damage.
• Free Vehicle Valuation: Complementary valuation service at the inception of comprehensive policies.
• Towing Charges: Financial allowance for emergency towing services following an accident.
• Windscreen & Entertainment Cover: Dedicated coverage limit for repairing or replacing damaged windscreens and built-in audio systems.
• Personal Accident Cover: Built-in protection for the driver and passengers in the event of injury or accidental medical costs.
• Riot, Strikes & Civil Commotion: Protection against loss or damage caused by riots, strikes, or political unrest.

Coverage Categories

• Third Party Only (TPO): The basic statutory requirement covering legal liabilities for third-party bodily injury, death, and property damage resulting from an accident.
• Third Party, Fire & Theft (TPFT): Includes all standard TPO liabilities plus coverage if the insured vehicle is stolen, damaged during attempted theft, or damaged by fire.
• Comprehensive Motor Insurance: Full-spectrum protection covering accidental loss or damage to your vehicle from collisions, rollover, theft, fire, natural calamities, and third-party liabilities.

Key Policy Exclusions (What Is Not Covered)

• Wear and tear, gradual deterioration, or general aging of the vehicle.
• Mechanical, electrical, or electronic breakdown/failure.
• Driving without a valid, appropriate driver’s license.
• Vehicle usage outside the scope of the agreed limitations (e.g., using a private car for commercial hire).
• Driving under the influence of alcohol or non-prescribed drugs.