Private Motor Car
Insurance Policy

Types of Cover Available

• 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
• Natural Calamities- Cyclone, Tempest, Flood, Typhoon, Hurricane, Tidal Wave
• Social Perils- Riots, Strikes, Lock Outs, Civil Commotion
• Third-Party Liability
  • Injury/Death:Up to MUR 500,000,000
  • Property Damage:Up to MUR50,000,000

• 24/7 Towing Assistance
• Loss of Use / Replacement Car
• Windshield Extension
• Personal Accident Cover (Driver & Passengers)
• Damage by Rodents
• Loss of Keys
• Waiver of Excess
• Funeral Expenses
• Airfreight Expenses
• Other extensions as may be offered

PERSONAL ACCIDENT COVER (IF SELECTED)

Default Personal Accident Sum Insured: MUR 500,000 (unless specified otherwise)

• Compulsory Excess applies to all claims
• Total loss excess and dealership excess may apply to specific vehicles,depending on the Sum Insured and type of garage selected for repairs.
• Young Driver Excess applies if driver is:
  • Under 25 years, OR
  • Holds provisional licence,
  • Licensed for less than 2 years
• Additional excess may apply depending on driver age, driving experience, or claim circumstances.
• 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:

• 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)