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.

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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)

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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.