Comprehensive Cover

This cover indemnifies the insured against loss or damage to the vehicle. The Comprehensive policy will indemnify the insured:

• By accidental collision or overturning.
• By fire, external explosion, self-ignition, lightning, burglary, housebreaking or theft.
• By death of or bodily injury to any person covered under the policy.

Third Party Fire and Theft

Provides essential third-party liability coverage, plus added protection if your vehicle is stolen or damaged by fire.

Third Party Only Cover

The mandatory legal minimum. This policy provides:

• Third-party property damage limited to Le 1,000,000.00 for any one accident.
• Unlimited indemnity for third-party death/injury, calculated based on occupation, age, salary, and dependents.
• Liability coverage extended to buses carrying personnel (specific terms apply to private vehicles).

Exclusions (Does Not Cover):

• Injury or death to staff/passengers in the vehicle
• Fire damage or own vehicle accidents
• Theft of the vehicle

Liability to Third Party

Critical legal protection covering financial costs arising from claims. This policy includes:

• Damage to third-party property up to Le 1,000,000.00 (can be increased to Le 3,000,000.00).
• Payment of costs and expenses incurred with our written consent.
• Personal injury indemnity negotiated according to injury severity, including medical expenses and hospitalization.