Private Motor Comprehensive

All Risks of loss or damage to the vehicle caused by violent and external means including damage caused by storm, flood, hurricane and earthquake.

• Liability to third parties for personal or bodily injury and property damage.
• The amount of damages and claimant’s costs and expenses where the Insured person becomes liable at law resulting from an accident involving the insured vehicle;
  Up to $1,000,000.00 for damage to property
  Up to $10,000,00.00 for death or bodily injury in respect of any one person
  Up to $30,000,00.00 for death or bodily injury in respect of any number of persons in any one accident
• Loss of Use or hired car coverage – up to 14 days at no additional premium 
• New Car Replacement – the cost of replacing the insured vehicle from a loss occurring within 12 months from the date of the vehicle’s first registration as new. We will pay up to 105% of the insured value for the replacement vehicle.  
• Emergency Breakdown Service – the reasonable cost of removal of the vehicle to a garage or your home as a result of the breakdown of the insured vehicle.
• Towing Fees – the reasonable cost of protection and removal of the incurred vehicle which becomes disabled as a result of any loss or damage covered by the policy.
• Medical Expenses – up to $1,500.00 for each person incurred from injuries sustained in an accident while travelling in the insured vehicle.
• Personal Belongings – up to $1,000.00 for accidental loss, damage or theft of any personal belongings while in the vehicle.
• No Limit for Breakage of windscreen or window.
• Damaged by uninsured motorist – cost of repair or replacement to the insured vehicle for damage caused by a third party motorist who, though at fault has no compulsory motor insurance in place.
• Personal injury to the Insured and/or spouse  - for accidental injury while travelling in any privately registered Motor vehicle.
• Funeral Benefits – $5,000.00 for death of insured due to an accident involving the vehicle

Private Motor Third Party

• Liability to third parties for personal or bodily injury and Property damage • The amount of damages and claimant’s costs and expenses where the Insured person becomes liable at law resulting from an accident involving the insured vehicle:
  • Up to $1,000,000.00 for damage to property
  • Up to $10,000,00.00 for death or bodily injury in respect of any one person
  • Up to $30,000,00.00 for death or bodily injury in respect of any number of persons in any one accident
• Emergency Breakdown Service – the reasonable cost of removal of the vehicle to a garage or your home as a result of the breakdown of the insured vehicle

 

Private Motor Third Party Fire an Theft

• Liability to third parties for personal or bodily injury and Property damage
• Up to $1,000,000.00 for damage to property
• Up to $30,000,00.00 for death or bodily injury in respect of any number of persons in any one accident
• Loss of or damage to the insured vehicle as a result of fire theft
• Emergency Breakdown Service – the reasonable cost of removal of the vehicle to a garage or your home as a result of the breakdown of the insured vehicle