Basic All Risks Coverage for Private Cars

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

• 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 & vehicles above preset limit
• Provide a 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 kilometres 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 (S.R.C.C.): 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