Silver Plan All Risks - 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 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 is not granted.
• Third party material liability $1,000,000
• Third party liability - bodily injuries $500,000
  
• Third party material Damages due to Fire and explosion of the insured vehicle: $1,000,000
• Material damages to third parties due to transported items or any other removable car body accessories: Covered
• Fire to the insured vehicle: covered with no deductible, based on market real car value;
• Total Theft and Holdup to the insured vehicle: covered subject to 10% deductible
• Partial theft annual limit (subject to police report): Covered up to $1,000
• Damages to the insured vehicle are covered
• Accidental Death or Disability to the driver and family members:
  • USD 10,000 per person
  • USD 40,000 in the aggregate
• Accidental Death or Disability to the driver and family members:
  • USD 2,000 per person
  • USD 8,000 in the aggregate
• Depreciation on spare parts: 10% for the manufacturing year, and 5% per year for the following years with a max of 50%
• Airbags are covered 90%
• Road assistance: Unlimited kilometers and frequency per year due to accident or mechanical/electrical failure.
• Replacement car: Not Covered.
• Total loss: the depreciated market value of the car is computed, subject to 10% deductible
• Registration fees in case of total loss: up to 7.5% of the depreciated market real car value will be paid.
• Litigation expense: not covered
• Total Loss claim estimation: 65% of the car market value
• Accidental death to the pet traveling in the insured vehicle due to a covered claim: $500 per claim and in the aggregate.
• Veterinary expenses to the pet traveling in the insured vehicle due to a covered claim: $200 per claim and in the aggregate
• Loss of personal documents in case of total loss (Registration papers, driving license, ID, etc...subject to a police report) $200 aggregate limit 
• Hail, Storm, Tempest, Flood & Earthquake: Covered up to $4,000

Additional deductible

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