$100 Deductible Basic All Risks

Protect your private car with basic comprehensive insurance, covering accidents, theft, and damages for reliable and affordable peace of mind on the road.

Product Conditions

• $100 deductible applies on each and every loss with no exception 
• Premiums are payable in Fresh USD
• This plan is applicable for privately used cars, not taxis or rentals
• Refer to Beyond Services sarl for quotations to cover special & luxury cars & vehilces above preset limit
• Provide a 360o video of the vehicle with a voice-over stating the date and 4 clear pictures showing all sides of the car

Benefits

• Dealer repair: Not covered
• Bodily injury (BI): Not covered
• TPL Material Damage: $1,000,000 TPL
• Material Damage due to Fire & explosion of the insured vehicle: $1,000,000
• Fire: Depreciated market real vehicle value will be paid
• Total theft and holdup: Depreciated market real vehicle value will be paid, subject to 10% deductible
• Partial theft of internal parts (forcible entry): Covered up to $2,500 with no deductible in the aggregate, subject to mandatory police report, once per policy period
• Own damage: Covered
• Scratching & denting and overhaul (zennar): Not covered
• Personal Accidents:
  • Death or PTD for drivers and passengers including family $15,000 per person and $50,000 in the aggregate
  • Medical expenses for drivers and passengers including family
    $5,000 per person and $50,000 in the aggregate
• Depreciation on spare parts for vehicles with no dealer repair: 10% during the year following manufacturing year, and 5% per year for the following years with a max of 50%
• Airbag: Unlimited
• Delivery of vehicle from garage to client house: Covered in case of accidents and for garages within our network
• Road Assistance:
  • Towing: Unlimited kilometers and frequency per year due to accident or mechanical/electrical failure.
  • Crane-lift is covered once per year only.
  • Cover is granted after 5 days from policy issuance due to mechanical/electrical failure, (Waiting period applies to new policies only)
• Replacement vehicle: Not covered
• Replacement vehicle in case of total loss: Up to $250
• Total loss: Depreciated market real vehicle value will be paid, subject to 10% deductible
• Registration fees in case of total loss: Up to 7.5% of the depreciated market real vehicle value will be paid
• Litigation expenses: Up to $5,000 per year
• Strike riots and civil commotion (SRCC): Covered up to a maximum limit of $3,000 once per policy period
• Hail, storm, tempest, flood & earthquake: Covered up to $4,000, once per policy period
• If age of driver is 21 or younger or if driving license is valid for less than 1 year since 1st issuance: A deductible of $100 will be applied on each and every loss

Required Documents:

1. Car Registration
2. Drivers license
3. Car photos of all sides