1. Motor Private
- This policy is intended to cover vehicles classified as private cars including saloons, family estates and station wagons, but excluding pick up whether with or without enclosed bodies, or vans or omnibuses or any other vehicles whose classification is other than as provided herein.
- The vehicle is exclusively used for social, domestic and pleasure purposes and for the insured’s business.
Types of cover
- Third party only;
Covers liability to third party on injury or damage to third party property arising in connection with the use of he motor vehicle
- Third party fire and theft
Covers liability to third party on injury or damage to third party property arising in connection with the use of he motor vehicle. It also covers loss or damage to the motor vehicle caused by fire or theft.
The policy covers liability to third party with respect to injury or damage to third party property arising in connection with the use of the motor vehicle. It also indemnify against any accidental loss or damage to the motor subject to specified exclusions.
For Comprehensive policies there are various limits which generally forms part of the policy
Limits:
- Towing Charges
- Third Party Property Damage
- Windscreen & Window glass Limit Replacement as actual cost
- Passenger Liability
- Third Party Persons Injury Unlimited
- Medical Expenses
- Audio/video/communication System. Replacement as actual cost
- Repair Authority
Options to include at additional premium:
- Waiver of excess
- Replacement vehicle-Loss of use up to 25 days due to Accident
- Material Damage cover in other countries
- Political violence & Terrorism
Other Extensions Can be negotiated
Agreed value (Insurance value remains valid for a year in event of Total Loss.)
Passenger Liability (Excluding Family or Employees)
Use by a Motor Trader/Garage during service
Company vehicles for Private Use
Custody of Sub-Contractor
Injury to Employees
Motor Contingent Liability
Riot, Strike & Civil Commotion
Earthquake & Flood
Act of Negligence by passengers
Policy had certain conditions:
Premium Payment Warranty
Limitation of Use Own & Associate’s Goods Cancellation Notice – 30 Days
Average /Market value clause
Other Insurances
Anti-Theft device condition
Unobtainable Parts
Roadworthy condition
Arbitration condition
Jurisdiction
Non-Standard accessories unless declared
Carrying capacity condition
Duty & VAT Clause
Policy had certain EXCLUSIONS
– War, Rebellion Foreign enemy
– Loss due to Nuclear / Radiation / Radio Activity
-Any other Consequential Loss
– Un-roadworthy condition
– Damage to Tyres & Body Paint unless due an accident
– Depreciation, wears & Tear, mechanical or electrical breakdown or failures
– Damage to Tyres unless vehicle is damaged at the same time
– Care of the Vehicle
– Use outside Geographical area
– Being used contrary to limitations of use
– Un-Authorised drivers
In event of a claim EXCESS will apply & needs attention :
- Own damage
- Theft with Anti-Theft device
– Without anti-theft device
- New or Inexperienced Driver addition to normal excess
- Third Party Property damage Excess addition to normal excess
- Third Party Personal Injury Excess
- Theft Excess on R/Cassette
- Audio/video/communication System
- No Blame No Excess
Download the Motor – Private Car Insurance Form