Motor All Risk                                                                                             back to top

All risk motor insurance is a complete cover for your vehicle. Actually when you only choose the liability cover, you don't insure your own vehicle damages but the ones caused to a third party. To have a guaranty for your vehicle, you need to have one of our All Risk Motor products.

- Drive +
This product covers:
- Third Party Liability:
     - Material Damages up to $1,000,000
     - Bodily injury cover in excess of the compulsory cover up to $10,000,000

- Own Damage:
     Total loss of vehicle resulting from:
     - Theft (excluding hold-up) with a 10% deductible
     - Fire, explosion or accident
A car is considered as a total loss if the costs of repairs exceed 70% of its value (constructive total loss).

- Replacement value as per market value.
- Emergency & In hospital medical expenses to the driver & non-third party passengers directly attributable to an insured accident up to a maximum of $5000 in the aggregate for all persons and during the period of insurance.
- Road Assistance.

- Driver
This product covers:
- Third Party Liability:
     - Material Damages up to $1,000,000
     - Bodily injury cover in excess of the compulsory cover up to $10,000,000

- Own Damage:
     - Damage by accident (depreciation on spare parts)
     - Fire & Explosion
     - Theft loss damage including hold-up with a 10% deductible

- Road Assistance.
- Indemnity: as per market value.
- In hospital medical expenses to the driver & non-third party passengers directly attributable to an insured accident up to a maximum of $5000 in the aggregate for all persons and during the period of insurance.
- In case of total loss of your vehicle due to a covered accident, we will provide you with a reasonable courtesy car for 10 days to satisfy your transportation needs.
A car is considered as a total loss if the costs of repairs exceed 70% of its value (constructive total loss).

Optional Cover:
You can add to this product a Personal accident cover for the driver and non-third party passengers up to 5 persons with an additional premium of only 50$.

The limits per person are:     - 3,000$ medical expenses
                                          - 5,000$ Death & Permanent total disablement
                                          - Partial Permanent disablement

- Driver +
Is the best All Risk cover you can find on the Lebanese market, it has all the features needed for a motor insurance.
- Third Party Liability:
     - Material Damages up to $1,000,000
     - Bodily injury cover in excess of the compulsory cover up to $10,000,000

- Own Damage:
     - Damage by accident (depreciation on spare parts)
     - Fire & Explosion
     - Theft loss damage including hold-up with a 10% deductible

- In case of total loss to a brand new car, the company will pay the replacement value up to limits stated in the policy; provided that the car is not more than 2 years old.
- Death and Total permanent disablement up to 5,000$ and medical expenses up to 3000$ to the driver and non third party passengers up to 5 persons (driver inclusive).
- No depreciation on spare parts for cars up to 5 years old, 6 if the vehicle has a clean loss record.
-Registration fees: 7.5% of the insured value of the car.
-Excess is not applicable on total loss due to theft & hold-up.
-Litigation expenses up to 5,000$ as an aggregate annual limit.

- In case of reparation or total loss of your vehicle due to a covered accident, we will provide you with a reasonable courtesy car for 10 days to satisfy your transportation needs. 3 days excess will be applicable in case of repair.
- Road Assistance.

For Driver and Driver+ you can lower your premium by choosing a deductible.

  
 Motor Third Party Liability                                                                          back to top

- Compulsory motor insurance:
As per the new Lebanese Law voted and applied on April 5, 2003, all cars on the Lebanese territory are to be insured for third party liability bodily injuries.
The needed limit for this cover is 750,000,000 LBP and its official premium 75,000 LBP.
If you think that the needed amount is not enough to cover your liability, you can choose to higher your limit till $10,000,000.

- Drive:
Now that the bodily injury cover is mandatory by law, you can complete your liability cover by insuring material damages to third party.
Drive is the motor insurance we propose to you to cover the material damages you may cause to a third party, in case of accident.

- What types of vehicle are covered?
All private vehicles aged less than 20 years can be covered under this plan.

- Limit of cover:
Depending on your needs you can choose either 250,000$ or 1,000,000$ for material damage cover. If you think that the compulsory limit for bodily injury is not enough, you can increase it up to an unlimited value if you have already chosen the higher limit for material damages.
We advise you to choose the highest limits you can afford in order to be on the safe side.

- Add ups:
In this product you will get with the liability cover the following add ups:
- In hospital medical expenses to the driver and non third party passengers directly attributable to an insured accident up to a maximum of $5000 in the aggregate for all persons and during the period of insurance.
- Road assistance that will provide the towing and expert in case of accident.

- Optional Cover:
You can add to the proposed covers the personal accident cover to the driver and non-third party passengers up to 5 persons (driver inclusive). This option covers:
- Death and Permanent total disability up to 5000$
- Medical expenses up to 3000$.