Comprehensive Insurance Benefits
What’s Covered:
- Your Own Vehicle: Damage to your car regardless of who is at fault
- Third Party Bodily Injuries: Medical costs for injuries caused to others
- Third Party Property Damage: Damage to other vehicles and property
- Personal Accident Benefit: Coverage for driver and family members
- Passenger Accident Coverage: Protection for passengers in your vehicle
- Theft Protection: Full coverage if vehicle is stolen
- Fire Damage: Complete coverage for fire-related damage
- Natural Disasters: Protection against floods, storms, etc.
- Roadside Assistance: 24/7 emergency assistance for Sedan & 4WD
- Windshield Damage: Excess waiver for windshield repairs
- Personal Belongings: Protection for items inside the vehicle
- Ambulance Services: Emergency medical transport
- Replacement Car: Vehicle provided during repairs
- Agency Repairs: Repairs at authorized dealers
- War & Terrorism: Protection against war, terrorism, and riots
What’s NOT Covered:
- Traffic fines or penalties
- Pre-existing damage (before policy start)
- Wear and tear
- Intentional damage
- Driver unlicensed at time of accident OR license expired and not renewed within 30 days
- Driver under the influence of alcohol
Third-Party Insurance Benefits
What’s Covered:
- Third Party Bodily Injuries: Medical costs for injuries you cause to others
- Third Party Property Damage: Damage you cause to other vehicles and property
- Legal Liability: Legal protection for claims against you
- Personal Accident Benefits: Coverage for driver (optional add-on)
- Ambulance Services: Emergency medical transport
- Roadside Assistance: 24/7 emergency assistance
What’s NOT Covered:
- Your own vehicle damage
- Your personal property inside the vehicle
- Your injuries (unless personal accident add-on purchased)
- Theft of your vehicle
- Fire damage to your vehicle
Optional Add-ons (Both Plans):
- Personal Accident Benefit for Driver
- Personal Accident Benefit for Employees
- Enhanced coverage limits