Road Guard All Risks by LiAAssurex sal

• Tariff excludes Compulsory insurance premium.
• Refer to the company for preferential rates for vehicles ≥$150,000, convertible, armored vehicles or sports cars.
• All vehicles should be inspected by the company before binding cover (Photos are mandatory, except for brand new vehicles).
• In case of an accident and to protect all parties, the insured must call the hotline to assign a sworn traffic expert unless advised otherwise by the hotline clerk
• Driver's age Minimum 21 years old.

Benefits & Limits:

• TPL Material Damages: $1,000,000
• Damage to the insured vehicle: Covered
• Fire of the insured vehicle: Covered
• Theft of the insured vehicle: Covered (10% Deductible)
  
• Hold up: Covered (10% Deductible)
  
• Airbags: Covered
  
• Scratching & Denting: Covered for
  • Car Value ≥ $50,000 up to $350, applicable for brand new vehicles or after the 1st renewal with. 
  • Intentional acts are excluded
    
• Registration fees in case of total loss: Covered (up to 7.5% of CV)
  
• Material Damages to third parties due to Fire & Explosion of the insured vehicle: $1,000,000
  
• Partial theft per year; Subject to Police report: $2,500
  
• Accidental
  • Death & PTD (Driver & Family members)
    
    • $10,000 per person 
    • Max 4 persons
      
  • Medical Expenses (Driver & Family members) 
    • $2,500 per person
      
    • Max 4 persons
      $2,500 per person
      (Max 4 persons)
      
• Agency Repair: Not Covered
  
• Depreciation on new spare parts: 10% for the manufacturing year + 5% for every additional year Maximum 50%
  
• Replacement Car in case of accident (Subject to providing car rental proof of payment):
  • $25/day for Car Value < $50,000
  • $50/day for Car Calue ≥ $50,000
  • Deductible 2 days,
    
  • Max 15 days per year & 10 days per accident.
    
• Replacement Car in case of Total Loss: 10 days
  
• Free Road Assistance:
  • Unlimited in case of Accident or Mechanical Failure
    
  • Crane is covered in case of Accident or Mechanical Failure for one time only
    
• Natural Perils following Storm, Tempest, Flood & Hail
  
  • Storm, Tempest & Flood: Covered 100%.
  • Hail: Covered up to 10% of car value.
    
  • Litigation Expenses: Not Covered
    
• Total Loss Claim estimation: 65% of car value
  
• Accidental Death to the Pet traveling in the insured vehicle due to a covered claim: $750 per claim and in the aggregate
  
• Veterinary Expenses to the Pet traveling in the insured vehicle due to a covered claim: $250 per claim and in the aggregate
  
• Loss of Personal Documents in case of total loss (Registration Paper, Driving License, ID, …), Subject to police report: $250 aggregate limit
  
• Additional Cover for remaining passengers not covered under the Compulsory policy conditions
  
  • $3,000 Medical Expenses
  • $10,000 Death & PTD Maximum
  • $25,000 per claim and in the aggregate
    
• Material Damages to third parties due to transported items or any other removable car body accessories: Covered
  
• SRCC: Covered for CV ≥ $50,000, up to 10% of car value

For Electric and Hybrid Vehicles:

• A depreciation of 20% will be applied on batteries for the manufacturing year, plus 10% for each additional year in the event of a covered claim.
  
• Total loss or partial loss resulting from fire due to thermal runaway, and/or occurring while charging, during the charging process, or when not using factory-dealer sockets, is excluded.
  
• Loss or damage due to electrical overload resulting from lightning strikes on the drive battery is excluded.