An insurance package developed by Chartered Brokers Ltd.
Motor Vehicle
Motor Vehicle
A motor vehicle insurance covering third party liability is compulsory in Mauritius, but we think that more protection goes a long way on the road. A more comprehensive policy will cover damage to your vehicle, and other risks that come along with being a road user.
The Motor Insurance we recommend is offered by Swan General Ltd and is branded ‘Protect Car Insurance’. It offers the same perks as other comprehensive motor insurances, but also a large number of extra services. The cover is also flexible and you may increase it by choosing some of the additional extensions available against an additional premium.
| Standard Cover | |
|---|---|
| Risk | Scope of Cover |
| Loss or damage to vehicle | Market value of vehicle |
| Third party liability for bodily Injury | Rs 500,000,000 |
| Third party liability for damage to property | Rs 50,000,000 |
| Free Extensions | |
|---|---|
| Risk | Scope of Cover |
| Road side assistance | 1 towing per event / unlimited number of events per year |
|
Liability to members of the household • Death or bodily injury • Property Damage |
Rs 500,000,000 Rs 50,000,000 |
| Medical expenses following road accident | Rs 1,500 in respect of each person injured |
| Claims helpline | 24h/7 |
| Legal assistance | Full costs |
| Extra Benefits (Free) | |
|---|---|
| Risk | Scope of Cover |
| Cyclone and flood | Cost of repairs or replacement |
| Strikes, riots and civil commotion | Cost of repairs or replacement |
| Theft or accidental loss of driving licence | Rs 1,000 |
| Loss of driving ability | Rs 5,000 |
| Loss of road tax licence | Unused portion of road tax
(Applicable to TotaL Loss Vehicle only) |
| Child seat | Rs 5,000 |
| Windscreen and window breakage | Rs 15,000 (Excess of Rs 1,500 on each and every claim) |
| Loss of car keys and lock replacement | Rs 15,000 |
| Extra freight expenses | Rs 15,000 |
| Counselling victims | Rs 5,000 |
| Funeral expenses | Rs 30,000 |
| Extra Benefits (Free) | |
|---|---|
| Risk | Scope of Cover |
| Alternative transport costs | Rs 5,000 |
| Vehicle modification cost | Rs 50,000 |
| Personal registration plate number | Rs 5,000 |
| Liability following unauthorized use by a minor • Death or bodily injury • Property Damage |
Rs 500,000,000 Rs 50,000,000 |
| First claim excess waiver (1st Year only) | Value of excess (Applicable to Protect New car only) |
| New car replacement (1st Year only) | Replacement car of the same make, model and specification, applicable to Protect New Car only |
| Optional Extensions (Subject to additional premium) | |
|---|---|
| Risk | Scope of Cover |
| Loss of use | Rs 2,000 per day (Max 30 days) |
| Personal accident for car occupants | Death Rs 300,000; Permanent disablement Rs 300,000; Medical expenses Rs 50,000 |
| Replacement car following breakdown or misfuelling | 2 days per claim 6 days in the aggregate for the insurance period |
| Alloy wheel replacement | Rs 200,000 |
| Finance gap | 10% of sum insured |
| Passive terrorism cover | Cost of repairs or replacement |
| Rodents damage | Rs 15,000 |
| Driver at-fault compensation cover | Rs 2,000,000 |
| Not at fault claim excess waiver | Value of excess (Applicable to Protect New car only) |
TERMS AND CONDITIONS:
1. Application form duly completed to be submitted
2. Claims experience of driver for the last 3 years should be provided
