24/06/2025
Core Coverage of Comprehensive Car Insurance.
1. Accidental Damage to Your Vehicle:
Covers repairs or replacement for damage caused by accidents, including collisions, overturning, or impact with other objects, regardless of who is at fault.
2. Theft or Attempted Theft:
Compensates for the loss of the vehicle if stolen, or damage caused during an attempted theft, subject to an excess (a portion of the claim you pay). Some policies require anti-theft devices or tracking systems to qualify for full compensation.
3. Fire Damage:
Covers damage or loss due to accidental fire, including situations where the vehicle catches fire while parked or in use.
4. Natural Disasters:
Protects against damage caused by natural events such as floods, earthquakes, storms, or other acts of nature.
5. Malicious Damage and Vandalism:
Covers intentional damage to your vehicle, such as vandalism or malicious acts.
6. Third-Party Liabilities:
Covers legal liabilities for:Bodily injury or death to third parties caused by your vehicle.Damage to third-party property (e.g., another vehicle, buildings, or other assets).Legal representation costs arising from such incidents.
7. Total Loss of Vehicle:
If the cost of repairs exceeds a certain threshold (typically 50% of the vehicle’s insured value), the vehicle is considered a total loss, and the insurer compensates you for its market value or sum insured.
