Motor Comprehensive Policy
Our Motor vehicle insurance provides three types of cover for vehicle owners and/or motorists. The covers are:
Comprehensive Cover
This policy gives the widest cover obtainable and indemnifies the insured against
- Loss of or damage to the insured vehicle
- Legal liability for the death of or bodily injury to third parties
- Damage to third parties properties
Third Party Fire and Theft Cover
The company will indemnify the insured with respect to liability for
- Death of or bodily injury to third parties
- Damage to third party property
- Theft or fire damage to insureds vehicle. [Call for clarification]
Third Party Liability Cover
The company will cover the Insureds liability to third parties for
- Death of or bodily injuries
- Damage to their properties
Our motor policy conforms to the minimum Third Party Property Damage limit with an option to increase the limit.
Motor Comprehensive Policy
Part One
We Will Pay: [For Comprehensive Policy]
For loss of or damage to your vehicle and/accessories caused by or arising out of:
- Accidental Collision or Overturning or Collision due to mechanical
- Breakdown or wear and tear.
- Fire, External explosion, Self-ignition or Lightening.
- Theft, Burglary, Housebreaking
- Malicious Act.
- Flood, Storm, Hurricane, Volcanic Eruption,
- Earthquake, or other Convulsion of Nature, Strike,
- Riot, Civil, Commotion.
Part Two
Additional Benefits
- Emergency Medical Expenses/Treatment
- Compensation for Bodily Injury/Death
- Personal Accident Benefit to Policyholder/Driver
- Tyre Replacement
- Windscreen Damage
- Towing and Storage
- Trailer
- Ecowas Brown Card (Use within Ecowas Sub Region)
MOTOR THIRD PARTY POLICY ONLY
We Will Pay:
Liability to Third Parties
In respect of a legal liability to third parties resulting from an accident caused by your vehicle, we will indemnify you or any other person with your consent for;
- Death of or bodily injury to any person.
- Damage to property belonging to someone other than you or a member of your household.
Additional Benefits
- Emergency Medical Expenses/Treatment
- Compensation for Bodily Injury/Death
- Personal Accident Benefit to Policy holder/Driver
- Trailers
- Ecowas Brown Card
TPPDL
The minimum third-party property damage limit is Gh¢ 2000.00. However, the limit could be increased with the payment of an additional premium.