Motor Insurance


Motor Insurance

Motor Insurance, also known as Auto Insurance or Car Insurance, is a type of insurance coverage that provides financial protection for vehicles and drivers against various risks and liabilities. It is a legal requirement in many countries to have motor insurance to operate a vehicle on public roads

THIRD-PARTY LIABILITY This coverage protects the insured driver against legal liabilities for bodily injury or property damage caused to third parties. It covers the costs of medical expenses, property repairs, and legal fees in case of an accident where the insured driver is at fault.

OWN DAMAGE COVERAGE Own Damage coverage provides protection for the insured vehicle against physical damage resulting from accidents, collisions, theft, fire, vandalism, or natural disasters. It covers the repair or replacement costs of the insured vehicle, subject to the policy terms and conditions.

COMPREHENSIVE COVERAGE Comprehensive coverage combines Third-Party Liability and Own Damage coverage. It offers the broadest protection for the insured vehicle, covering damage caused by accidents, theft, fire, vandalism, natural disasters, and other perils. It also includes coverage for third-party liabilities.

PERSONAL ACCIDENT COVERAGE Personal Accident coverage provides compensation for bodily injuries, disability, or death suffered by the insured driver and passengers because of a covered accident. It offers benefits such as medical expenses, income replacement, and accidental death benefits.

UNINSURED/UNDERINSURED MOTORIST COVERAGE This coverage protects the insured driver in case of an accident with an uninsured or underinsured driver who is unable to fully compensate for the damages. It covers bodily injury and property damage expenses exceeding the limits of the at -fault party's insurance coverage.

Plum Insurance Brokers

Motor Insurance

The specific terms, coverage limits, and premiums of Motor Insurance policies can vary depending on factors such as the driver's age, driving history, type of vehicle, and the insurance provider. It is advisable to consult with an insurance broker, such as Plum Insurance Brokers, to understand the available options, assess your specific needs, and secure the most suitable Motor Insurance coverage for your vehicle and circumstances.