PRIVATE VEHICLES

PRIVATE VEHICLES

Our Private Car Policy provides cover for cars, sport utility vehicles and pick-ups used only for social domestic and pleasure purposes.

All our policyholders can drive with the assurance of knowing that in the case of breakdown, they can contact our Emergency Roadside Assistance at 609-MYM1 (6961) for the removal of their vehicle to a safe and secured location.

Other Roadside Assistance services include:

• 24-Hour Toll-Free Helpline
• Courtesy Transport Service
• Emergency Battery Booster
• Emergency Flat Tyre Assistance
• Emergency Refuel Service
• Emergency Locksmith Service

With our Comprehensive coverage, you can enjoy these Free Benefits:

Windscreen Damage

This coverage allows you to claim for a broken windscreen or window glass up to $2,500.00.   Your existing No Claim Discount will not be affected by any windscreen damage claims made.

If required, the windscreen limit can be increased at an additional cost.

Flood & Special Perils

Coverage is extended to include damage caused by:

• Flood, Hurricane, Earthquake, or other convulsion of nature
• Civil War, Strike, Riot and Civil Commotion

Medical Expenses

The policy will cover medical expenses for the Insured or any Authorized Driver, up to a limit specified in your policy schedule in the case of an accident.

Clothing & Personal Effects

In the event of an incident, whether it be a collision, fire or theft, coverage is provided for loss of or damage to clothing and personal effects* whilst in the vehicle, up to a limit specified in your policy schedule.

(*excludes money, jewellery and articles including motor accessories and samples carried in connection with any trade or business)

Personal Accident

This provides coverage for the Insured and Passengers of the vehicle for personal injury resulting in death or permanent injuries.

Legal Charges (Manslaughter)

Vehicular manslaughter is every driver’s worst nightmare. However, if this nightmare ever becomes a reality, your policy provides a maximum of $10,000.00 to defend against charges.

Hospitalisation Benefits

The insurance coverage under this Policy is extended to include Hospitalisation Benefits in respect of the Insured and/or Spouse in connection with any bodily injury by violent accidental external means as the direct result of an accident to the Motor Vehicle.

Total Maximum Benefit: $15,000

 Benefits are payable for:

• • Ambulatory Services

• • In-patient services for the following:
    •  Emergency Surgery
    • Anaesthesia
    • Intensive Care
    • Room and Board
    • Miscellaneous Hospital Expenses

You can also take advantage of these extra benefits:

Loss of Use

For an additional cost, you can be entitled to a maximum of $250.00 per day for a maximum of 10 days if your car is laid up as a result of an accident.

Waiver of Excess

The excess is the amount that you must pay before your vehicle is repaired after an accident, whether you are at fault or not. With the waiver of the excess benefit, no excess will be payable if you or your spouse are involved in an accident