High Value Private Cars All Risks by Securite sal

Luxury Cars, comprehensive insurance, Value exceeding $50,000. 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

• Dealership repair offered for cars up to 3 years of age, benefit built in the price
• Third party material liability USD 1,000,000
• Bodily Injuries (BI) $500,000 cover in excess of compulsory policy included in the price.
• Fire / Total Theft and Holdup covered with 0% deductible
• Partial theft for internal parts covered up to USD 10,000 with no deductible in the aggregate, subject to a mandatory police report
• Damages to the insured vehicle are covered
• Personal Accidents coverage:
  • Death for drivers and passengers including family
    
    • USD 25,000 per person
    • USD 50,000 in the aggregate
  • Medical expense for drivers and passengers including family
    • USD 10,000 per person
    • USD 50,000 in the aggregate
      
• Depreciation on spare parts
  • not applicable for cars with Dealership repair
  • No depreciation on spare parts will apply if used spare parts are not available on the Lebanese market; otherwise, 5% depreciation per year will apply with a maximum of 30%
• Airbags Unlimited
• Scratching and Denting are covered following an accident only (Intentional Acts are Excluded)
• Taxi in case of road assistance following accident covered once per year
• Delivery of car from garage to client house covered in case of accidents and for garages within our network
• Road Assistance: Unlimited kilometers and frequency per year due to accident or mechanical/electrical failure (cover granted after 5 days from policy issuance due to mechanical and electrical failure, subject to new policies only)
• Replacement car benefit: 10 days in the aggregate, starting the 2nd day of reparation ($35 per eligible day)
• Replacement car in case of total loss $500
• Registration fees in case of total loss covered up to 10% of the depreciated market real car value.
• Total loss: Depreciated Market real car value will be paid, subject to 10% deductible'
• Litigation expenses up to $5,000 per year
• Strike riots and civil commotion: covered up to a maximum limit of $10,000 in the aggregate.
• Hail, Storm, Tempest, Flood & Earthquake covered, up to the depreciated market car value of the insured vehicle
• The insured vehicle will be covered while in custody of valet, car wash, and workshops.

Additional deductible

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