Private Vehicle Insurance

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Private Vehicle Insurance

Protection for your personal vehicles

A comprehensive Private motor insurance policy provides protection against the loss or damage of the motor vehicle itself due to accidents as well as driver coverage in terms of associated legal liabilities against death, bodily injuries and/or damages to other people’s properties..

Risks Covered

Indemnity against Fire, Collision, Overturning, Malicious damage, Windscreen damage
Third Party Property damage
Third Party Bodily Injury and Death
Theft of the Vehicle
Accidental Loss of or own damage to the Insured Motor Vehicle
Theft of Accessories and Spare Parts and damage caused thereof
Legal Liability arising out of the use of the Motor Vehicle

Exclusions

Driving by unlicensed drivers
Use of the insured vehicle outside the uses that the policy permits
Contractual liability
War risks
Loss or damage to accessories and spare parts, unless on the insured’s vehicle
Wear and tear and depreciation
Loss of use
Mechanical and electrical failure or breakdown. It is only the part that fails which is excluded; any resulting damage to the vehicle is covered
Damage to tyres caused by road punctures or bursts
Using a vehicle in an unroadworthy condition

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