Motor Insurance

Motor Vehicle Insurance is an insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle.

Comprehensive + Triple cover

YOUR MAIN COVER CHARACTERISTICS

Own Damage Occurences:

Accidental Collision, Fire, Theft, Riots, Strikes, Lock-Outs, Cyclone, Tempest & Flood, Tidal Wave and Tsunami

liable to third party Good harvest Ltd

Liability to Third Parties:

  • Third Party Material Damage Up to Rs 50,000,000
  • Third Party Bodily Injury Up to Rs 500,000,000
Car occupants cover Good harvest Ltd

Car Occupants Cover

  • Death or Permanent Disablement Up to Rs. 300,000 5 Seats (incl driver)
  • Medical Expenses Up to Rs. 50,000 Up to Rs. 50,000 5 Seats (incl driver)
Loss of use cover Good harvest Ltd

Loss of Use Cover

Replacement vehicle following damage caused to the vehicle up to 15 days per claim not exceeding 45 days per year.

Towing breakdown services Good harvest Ltd

Towing/Breakdown Services

AAA Towing/Breakdown Services – Tel No. 8980

We have the pleasure to offer the following extra coverage for your brand new private car a as per terms detailed hereunder:-

WAIVER OF EXCESS

We will waive the excess for the first claim within the first year of Insurance.

LOSS OF USE EXTENSION

In addition to your loss of use cover, you will benefit of a replacement car for 7 days in case of Mechanical or Electrical breakdown.

NEW CAR REPLACEMENT

We will replace your car by a new one of the same make, model and specification in case of a total loss. Indemnity paid up to 110% of sum insured.

EXTRA AIRFREIGHT EXPENSES

We will pay the extra airfreight expenses up to an amount of Rs.10,000, if spare parts are not locally available.

LOSS OF CAR KEYS & LOCK REPLACEMENT

We will pay for the cost of the replacement of car keys and lock transmission in the event of a loss or theft, up to an amount of Rs.10,000 without applying any excess.

PERSONAL BELONGINGS

We will pay up to an amount of Rs.10,000 for loss or damage towards your personal belongings present in the vehicle in case of fire or theft.

TOTAL LOSS

  • In addition to a total loss payment, we will refund the vehicle’s original registration fees.
  • We will settle your total loss claim within two working days upon receipt of all documents.

NO CLAIM BONUS

In case no claim is submitted, we will apply a discount on the premium at renewal of your Policy.

WINDSCREEN EXTENSION

We will pay for damaged or broken windscreen without applying any excess.

DAMAGES CAUSED BY RODENTS

We will pay for damages to your vehicle caused by rodents, up to a limit of Rs.10,000.

MISFUELLING

We will pay for damages caused to your vehicle due to misfuelling, up to a limit of Rs.20,000.