 The key to getting auto insurance coverage that is right for you is to consider what insurance you need and what you can afford. Your car insurance should fit your budget and protect you, your family and your assets.
We offer a choice of covers;
- Third party Liability
- All Risk
- Collision & Upset and
- Comprehensive
Third Party liability:
Property Damage and Bodily Injury Liability Coverage
This Coverage protects you if your vehicle damages another person’s life or property (Bodily injury or Physical damage). In property damage, this usually would be their car, but it could be a fence or a house. This auto insurance coverage may pay for legal counsel if the other party files a lawsuit against you in specific cases (Threshold).
Make sure you have enough liability coverage to cover the damage; your car could do to third party.
Uninsured Motorist Coverage, Direct Compensation Property Damage and
Medical and funeral expenses of the insured, passengers and pedestrians covered under this insurance. Based on the proximate causes of the accident, some restriction may apply.
Comprehensive Coverage
Under comprehensive auto insurance coverage, The insurance company pays for damage to your car from all causes, except Upset or collision, such as theft, fire, flood, windstorm, glass breakage, vandalism, hitting or being hit by an animal, or by flying objects. If your car is stolen, comprehensive auto insurance coverage provides an amount specified in your policy for expenses such as rental car or public transportation plus fair market value of your car.
Collision & upset Coverage
Collision or Upset coverage will help pay for repairs (minus the deductibles) when your car is hit by another vehicle or object. If you have an older car, consider dropping this coverage, as it is usually limited to the cash value of your vehicle.
All Risk
The combination of comprehensive and Collision & Upset, provide an all risk policy. The only difference is the high range of all risk coverage in compare with the others. In all risk policy, everything is covered except the exclusions such as “Inherent Vice”, “Latent defect” (normal tear and wear, machinery breakdown).
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