The insurance covers loss or damage to the vehicle as a result of accident, fire or theft and extends to cover expenses incurred resulting from protection and removal of the vehicle to the nearest repairer after an accident.

It also covers liabilities arising from the use of the motor vehicle resulting into claims by third parties for bodily injury or death and damage to third party property.

The policy can also be extended to cover legal liability of passengers for acts of negligence upto an agreed limit per person/event upto the seating capacity of the vehicle in respect of Private Cars and restricted to cabin capacity for Commercial Vehicles, Medical Expenses for the persons in the vehicle are also provided for upto a certain limit. Windscreen and windowglass extension and radio cassettes are also covered under the policy on additional premium.

Riot, Strike and Civil Commotion and Special Perils are provided under the Private Car Policy as part of the standard cover and can be extended to Motor Commercial policies on request at an additional premium.

There are various classes of motor insurance catered for namely; Private Cars, Commercial Vehicles (carrying own goods and/or for hire and reward), Agricultural Vehicles, Motor Cycles and Car Hire.

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