Policy Overview
This policy provides financial protection against:
• Loss or damage to your private Motorcycle
• Legal liability to Third parties arising from use of the insured motorcycle
Who Can Take This Policy?
This policy is suitable for:
- Individuals or Businesses owning a Motorcycle
- Motorcycles used for social, domestic, pleasure, and business purposes
Not Covered Use:
- Hire or reward (e.g. delivery services unless specifically agreed)
- Racing, speed testing, or pace-making
- Commercial use
Types of Cover Available
Third Party Only (TPO)
Covers legal liability for:
- Death or bodily injury to third parties
- Damage to third-party property
Comprehensive Cover
Includes:
- Third-Party Liability
- Fire & Theft
- Damage to your own vehicle due to accidents or other insured perils.
Policy Description
- Accidental Damage-Collision or overturning (including due to mechanical breakdown)
- Fire & Theft-Fire, explosion, self-ignition, lightning, burglary, theft
- Malicious Acts-Intentional damage by third parties
- Transit Risks-During loading/unloading or transportation by Road
- Social Perils- Riots, Strikes, Lock Outs, Civil Commotion
- Third-Party Liability
- Injury/Death: Up to MUR 500,000,000
- Property Damage: Up to MUR 50,000,000
- 24/7 Towing Assistance
- Personal Accident Cover (Driver & Pillion rider)
- Other extensions as may be offered
PERSONAL ACCIDENT COVER (IF SELECTED)
BENEFIT | COMPENSATION |
|---|---|
Death / Permanent Total Disablement | 100% of Sum Insured |
Loss of one limb or one eye | 50% |
Medical Expenses | Up to MUR 20,000 |
Default Personal Accident Sum Insured: MUR 100,000 (unless specified otherwise)
- Compulsory Excess applies to all claims
- Young Driver Excess applies if driver is
- Under 25 years, OR
- Holds provisional licence, OR
- Licensed for less than 2 years
Excess may be waived if you are not at fault, subject to written confirmation of liability from the third-party insurer
- In case of Repair Loss, Settlement may be made by repairing/replacing the parts at a chosen garage. Liability is limited to reasonable repair costs, subject to policy terms, excess, and availability of parts. Where parts are unavailable locally, liability is limited to the value of the part, not exceeding the manufacturer’s latest listed price.
- In case of total loss, the amount payable shall not exceed the Sum Insured stated in the policy schedule and shall be limited to the reasonable market value of the vehicle prior to the loss, as assessed by a registered Motor Surveyor.
This policy does not cover:
- Loss due to natural Calamities such as Cyclone, Tempest, Flood, Typhoon, Hurricane, Tidal Wave
- Wear and tear or mechanical breakdown
- Driving under alcohol or drugs
- Driving without a valid licence
- Use outside permitted purposes
- Racing or commercial use
- Consequential losses (e.g. depreciation)
- Injury to driver (under Third-Party section)
- Injury to family members/employees (under Third-Party section)
- Suicide or intentional self-injury (Personal Accident)
Duties of the Insured
You must:
- Take reasonable care of the vehicle
- Report accidents/theft immediately
- Complete ASF / inform Police where required
- Submit all claim documents
- Allow vehicle inspection
Claims Procedure
- Notify insurer as soon as possible
- Submit claim form and documents
- Provide Police report (if applicable)
- Vehicle inspection by surveyor
- Claim assessment and settlement
Premium Factors
Premium is based on:
- Vehicle Make, Model, and Engine capacity
- Vehicle age and Sum Insured
- Driver age and experience
- Claims history
- Type of cover selected
Policy Period
- Typically, 12 months
- Renewable annually