General Insurance

Private Motor Vehicle Insurance

This provides insurance protection against accidental loss or damage to personal private motor vehicles including the standard accessories and spare parts whilst thereon as well as protection against legal liability to third parties.

Types

a) Third Party Only

This Is the minimum cover that can be offered and coverage includes:

    Death of/bodily injury to any persons other than employees of Insured and members of his own family
    Damage to Third Party property arising out of or caused by use of Insured’s motor vehicle

b) Third Party, Fire and Theft

    Includes A above
    In addition there Is coverage for damage to Insured’s motor vehicle arising out of or caused by fire, external explosion, self-ignition, lightning, burglary or theft

c) Comprehensive

Coverage:

•     Includes A and B
•     Also covers loss or damage to motor vehicle caused by or arising out of accidental collision or, overturning, or collision or overturning  consequent upon mechanical breakdown, wear or tear

Commercial Motor Vehicle insurance

This  provides comprehensive commercial auto Insurance to indemnity business owners and large corporations against accidental loss or damage to the motor vehicle and its accessories whilst thereon as well as protection against legal liability to third parties.

Coverage

• Provide Comprehensive Cover to Commercial Fleets for general transportation of goods, passengers and service vehicles.

Covered Losses

•     Own Damage
•     Theft & Fire damage
•     Third Party Property Damage
•     Third Party Bodily Injury

Motor Cycle Insurance Same as above

Extra Benefits

In addition to the basic cover described above, the following extensions can be offered after payment of additional Premium:-

•     Riots, Strikes, Civil Commotion & Political Violence
•     Excess Waiver for Own damage excess-this means you won’t pay excess in case of accident
•     Car Hire/Alternative car
•     Automobile Association Membership for rescue
•     No Blame No Excess