Covers losses for which the Insured is legally liable to a Third Party, directly caused by the insured motor vehicle.

Covers the legal liability of the Insured to the Passenger for death, bodily injury, care or medical expenses including loss and or damage to property carried by the Passenger who at the time of the accident was in the insured motor vehicle directly caused by the motor vehicle accident as a result of the risk covered by the Policy, except for:

• the Insured's husband or wife, children, parents and siblings;
• a person who is hired by the Insured, works for the Insured, a person with the knowledge or permission of the Insured;
• people who live with the Insured;
• management, shareholders, commissioners or employees, if the Insured is a company (Corporation).

Covers bodily injury or death and or medical expenses to passengers in a motor vehicle directly caused by a motor vehicle accident as a result of the risks covered by the Policy, as set out below:

Covers bodily injury or death and or medical expenses to the driver in a motor vehicle directly caused by a motor vehicle accident as a result of the risk covered by the Policy, as set out below:

A. Death or permanent disability

No Description Compensation per person % of sum insured
1 death 100%
2 permanent loss of sight in both eyes 100%
3 permanent loss of function of both hands or both feet or one hand and one foot 100%
4 permanent loss of function of one hand or one foot, together with complete loss of vision in one eye 100%
5 permanent loss of function of one hand or one foot or permanent loss of vision in one eye 75%
B. Medical Expenses

The cost of treatment or medication for bodily injury to a passenger is up to 10% of the Sum Insured for extended Driver's Personal Accident coverage.

a. Riots
b. Strike
c. Obstruction of Work
d. Malicious Acts
e. Brawl
f. Disturbance or public fight
g. Popular Awakening without the use of firearms
h. Revolution without the use of firearms
i. Prevention in relation to the risks of items a to h

There are 2 Total Loss claims, namely Constructive Total Loss (CTL) claims and Overall Loss claims.

The actual price of the vehicle is the value of the sales proceeds that can be obtained in the free market immediately before the loss and or damage to motorized vehicles with the same brand, type, model and year as stated in the policy.

The Sum Insured stated in the policy is less than the actual price of the motor vehicle.

The basis of compensation for Total Loss claims is the actual price of the vehicle shortly before the loss and or damage with the same brand, type, model and year, up to a maximum of the sum insured.

The Sum Insured is divided by the Actual Price at the time of the accident or loss multiplied by the amount of repair value.