Car Insurance - What's Covered
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Insured Perils
Our Comprehensive Private Car Policy covers you in case of accidental collision, overturning, fire, theft, external explosion,
self-ignition, and natural disasters, whether you are right or wrong in the accident. It also covers you for damage to third party
property or for injuries to third parties, in case you are wrong in the accident.
self-ignition, and natural disasters, whether you are right or wrong in the accident. It also covers you for damage to third party
property or for injuries to third parties, in case you are wrong in the accident.
Read our full policy wording here.
Third Party Liability Coverage (If Insured’s Estimate of Value is ≥$1,500,000*)
Third Party Property Damage
$5,000,000
Series of property damage claims arising out of one event
Third Party Bodily Injury (per person)
$5,000,000
Death/bodily injury to any one person
Third Party Bodily Injury (per event)
$10,000,000
Death/bodily injury to any one person
* If Insured’s Estimate of Value is <$1,500,000, coverage for property damage, bodily injury (person) and bodily injury (event) fall to $5m, $3m and $5m respectively.
Added Benefits
Medical Expenses
Medical expenses incurred by the policy holder for injury caused by an insured accident
$30,000
Wrecker & Storage Fees
After an accident we will help cover the cost of moving and storing your vehicle at a safe location
$35,000
Personal Accident Benefit
Personal injury resulting in death to any occupant(s) of the insured vehicle ($250,000 per person)
$750,000
Manslaughter Defence
Legal fees to defend the insured against manslaughter charge
$250,000
Glass Damage
Damage to the windshield or windows of the insured vehicle; Max two (2) claims
$250,000
Personal Effects
Damage to personal effects of the insured caused by an accident
$25,000
Alternative Transportation (LOU)
Loss of Use coverage of $3,000 per day for a max of 5 days
$15,000
Key Replacement
Replace lost, stolen or destroyed key/transmitter; Max two (2) claims
$50,000
Damage to Garage by Fire
Private residence garage damaged by burning vehicle
$25,000
