Motor Comprehensive Policy

Our Motor vehicle insurance provides three types of cover for vehicle owners and/or motorists. The covers are:

 

Comprehensive Cover

This policy gives the widest cover obtainable and indemnifies the insured against

    Loss of or damage to the insured vehicle

    Legal liability for the death of or bodily injury to third parties

    Damage to third parties properties

Third Party Fire and Theft Cover

The company will indemnify the insured with respect to liability for

    Death of or bodily injury to third parties

    Damage to third party property

    Theft or fire damage to insureds vehicle. [Call for clarification]

Third Party Liability Cover

The company will cover the Insureds liability to third parties for

    Death of or bodily injuries

    Damage to their properties

Our motor policy conforms to the minimum Third Party Property Damage limit with an option to increase the limit.

 

Motor Comprehensive Policy

Part One

We Will Pay: [For Comprehensive Policy]

For loss of or damage to your vehicle and/accessories caused by or arising out of:

    Accidental Collision or Overturning or Collision due to mechanical

    Breakdown or wear and tear.

    Fire, External explosion, Self-ignition or Lightening.

    Theft, Burglary, Housebreaking

    Malicious Act.

    Flood, Storm, Hurricane, Volcanic Eruption,

    Earthquake, or other Convulsion of Nature, Strike,

    Riot, Civil, Commotion.

Part Two

Additional Benefits

    Emergency Medical Expenses/Treatment

    Compensation for Bodily Injury/Death

    Personal Accident Benefit to Policyholder/Driver

    Tyre Replacement

    Windscreen Damage

    Towing and Storage

    Trailer

    Ecowas Brown Card (Use within Ecowas Sub Region)

MOTOR THIRD PARTY POLICY ONLY

We Will Pay:

Liability to Third Parties

In respect of legal liability to third parties resulting from an accident caused by your vehicle, we will indemnify you or any other person with your consent for;

    Death of or bodily injury to any person.

    Damage to property belonging to someone other than you or a member of your household.

Additional Benefits

    Emergency Medical Expenses/Treatment

    Compensation for Bodily Injury/Death

    Personal Accident Benefit to Policy holder/Driver

    Trailers

    Ecowas Brown Card

TPPDL

The minimum third party property damage limit is Gh¢ 2000.00. However, the limit could be increased with the payment of additional premium.