Advanced All Risks

Experience ultimate protection - Infinite Full Comprehensive Car Insurance, covering accidents, theft, damages, and more for complete peace of mind on the road.

Product Condition:

• These rates are applicable for private cars. Special cars, sports cars, luxury cars & cars above limit require referral.
• Sum insured = Car value in fresh USD
• Premiums payable in fresh USD
• In case of total loss, depreciated car market value will be paid in fresh USD

Benefits

• Dealer repair: For Porsche, Mercedes, special & luxury cars and vehicles above limit, refer to Insure Online via contact us page or live WhatsApp chat
• Dealer repair is granted for all cars, year zero only, year 1 onwards, coverage is granted on a case by case basis
• Bodily injury (BI): $500,000 cover in excess of compulsory BI, provided that the basic compulsory bodily injuries is issued along the All Risks 
• TPL Material Damage: $1,250,000
• TPL Material Damage due to Fire & explosion of the insured vehicle: $1,250,000
• Fire, total theft and holdup: Covered with no deductible based on depreciated market real vehicle value
• Partial theft of internal (forcible entry) & external parts: Covered with no deductible up to $10,000 in the aggregate, subject to mandatory police report
• Own damage: Covered
• Scratching and denting: 
  • Covered following accident only (excluding intentional acts)
  • For vehicle value above $20,000, fully covered subject to insurer inspection and approval (excluding intentional acts)
• Personal Accidents:
  • Death or PTD for drivers and passengers including family: $30,000 per person and $75,000 in the aggregate
  • Medical expenses for drivers and passengers including family: $10,000 per person and $50,000 in the aggregate
• Depreciation on spare parts for vehicles with dealer repair: No depreciation
• Depreciation on spare parts for vehicles with no dealer repair: No depreciation will apply on new spare parts for vehicle age 0 to 7 years in case used spare parts are not available on the local market. Otherwise, 5% depreciation per year will apply with a maximum of 30%.
• Airbag: Unlimited
• Taxi in case of towing following accident: Covered 3 times per year, provided towing is requested at the same time of the taxi ride
• Delivery of vehicle from garage to client house: Covered in case of accidents and for garages within our network
• Towing: Unlimited kilometers & frequency per year due to accident or mechanical/electrical failure, including crane-lift. (Cover is granted after 5 days from policy issuance due to mechanical/electrical failure for new policies only)
• Replacement vehicle in case of accident: 
  • For vehicle value up to $20,000: 10 days in the aggregate, starting the 3rd day of reparation (up to $35 per day)
  • For vehicle value between $20,001 and $50,000: 10 days in the aggregate, starting the 3rd day of reparation (up to $50 per day)
  • For vehicle value $50,001 and above: 10 days in the aggregate, starting the 3rd day of reparation (up to $100 per day)
• Replacement vehicle in case of total loss: 
  • For vehicle value up to $20,000: up to $500
  • For vehicle value above $20,000: up to $1,000 Total loss
    
• Depreciated market real vehicle value will be paid
• Registration fees in case of total loss: Up to 10% of the depreciated market real vehicle value
• Litigation expenses: Up to $5,000 per year
• Strike riots and civil commotion (SRCC):
  • For vehicle value up to $20,000: covered up to $10,000
  • For vehicle value above $20,000: covered up to the depreciated market real vehicle value
• Political Violence excluding SRCC: Optional cover based on Company’s preapproval:
  
  • Up to a maximum vehicle value of $60,000
  • 10% deductible with a minimum of $500, applied on each and every loss
    
  • Additional premium rate 1% with a minimum premium of $200
    N.B: Beqaa, South of Lebanon, Dahyeh and all towns on the Lebanese border are excluded from this benefit
• Hail, storm, tempest, flood & earthquake: Covered up to the depreciated market real vehicle value
• Car locks replacement: For vehicles $50,001 and above only: covered 50% of its value in case of lost or broken car lock up to $250
• Cover while in custody of valet, car wash, & workshop: Covered
• If driver age is 21 or younger or if driving license is valid for less than 1 year since first issuance, a deductible of $100 will be applied on each and every loss

Electrical & Hybrid vehicles special conditions Fire exclusion

• Fire exclusion due to non-conformity of charging cables and/or charging procedure and/or not using Factory charging Sockets
• Depreciation on battery:
  • For car age 2 years or less, no depreciation applies
  • For car age 3 years & above, 10% depreciation per year to be applied on the battery with max 30%

Additional deductible

1. If age of owner is 21 or younger mandatory additional deductible of $100 on each and every loss

 Required Documents:

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