Motor Insurance

For the various types of vehicles, there are four kinds of cover available:

(A) Comprehensive Motor Policy

This is the widest form of cover that is available and it covers loss of or damage to the Insured vehicle and/or its accessories due to:

• Accidental collision or over-turning of vehicles
• Fire, external explosion, self-ignition or lightning
• Theft
• Malicious act
• The Insured’s Legal Liability for death of or bodily injury to or damage to property of 3rd parties arising out of the use of the insured vehicle
• Medical expenses of the insured, his driver or any occupant of the Insured vehicle at the time of the accident. This cover is in respect of private cars only and to a specific limit
• Solicitors fees for the legal representation of the Insured or his driver at any judicial proceeding arising from any accident which may give rise to a claim under the policy and any other expenses of the Insured authorized by the insurer, preferably in writing.

(B) Third Party Fire And Theft Policy

This covers:

• Loss of or damage to the Insured vehicle and/or accessories while thereon caused by fire, external explosion, self-ignition or lightning
• Theft.
• Insured’s Legal Liability to third parties in respect of any damage to the property of such third parties and for any injury or death to 3rd parties from the use of insured vehicle.
• Solicitors fees for the legal representation of the insured or his driver at any judicial proceeding arising from an accident which may give rise to a claim under the policy and other expenses of the insured authorized by the Insurer preferably in writing.

(C) Third Party Only Policy

It covers:

• Insured’s Legal Liability to third parties in respect of any damage to the property of third parties and for any injury or death to third parties from the use of the insured motor vehicle.
• Solicitors fees for the Legal representation of the insured or his driver at any judicial proceeding arising from an accident which may give rise to a claim under the policy and any other expenses of the insured authorized by the insurer preferably in writing.

(D) Act Only Policy

This is the minimum cover that is required by the motor vehicle Third party Motor Insurance Act of 1945. The scope of cover is as listed below:-

• The insured’s Legal Liability to third parties in respect of any injury or death to third parties from the use of the motor vehicle.
• Solicitors fees for the Legal representation of the Insured or his driver at any judicial proceeding arising from an accident which may give rise to a claim under the policy and any other expenses of the insured incurred with the insurers consent.