Private Car Comprehensive Policy
1. What’s Covered
Insured Perils
Our Comprehensive Private Car Policy covers you in case of accidental collision, overturning, fire, theft, external explosion, self-ignition, and natural disasters, whether you are right or wrong in the accident. It also covers you for damage to third party property or for injuries to third parties, in case you are wrong in the accident.
Read our full policy wording here.
Third Party Property Damage$5,000,000
Series of property damage claims arising out of one event
Third Party Bodily Injury (per person)$5,000,000
Death/bodily injury to any one person
Third Party Bodily Injury (per event)$10,000,000
Series of death/bodily injury claims arising from one event
* If Insured’s Estimate of Value is <$1,500,000, coverage for property damage, bodily injury (person) and bodily injury (event) fall to $5m, $3m and $5m respectively.
Added Benefits
Medical Expenses$30,000
Medical expenses incurred by the policy holder for injury caused by an insured accident
Wrecker & Storage Fees$35,000
After an accident we will help cover the cost of moving and storing your vehicle at a safe location
Personal Accident Benefit$750,000
Personal injury resulting in death to any occupant(s) of the insured vehicle ($250,000 per person)
Manslaughter Defence$250,000
Legal fees to defend the insured against manslaughter charge
Glass Damage$250,000
Damage to the windshield or windows of the insured vehicle; Max two (2) claims
Personal Effects$25,000
Damage to personal effects of the insured caused by an accident
Alternative Transportation (LOU)$15,000
Travel costs incurred in place of driving - $3,000/day; Max 5days
Key Replacement$50,000
Replace lost, stolen or destroyed key/transmitter; Max two (2) claims
Damage to Garage by Fire$25,000
Private residence garage damaged by burning vehicle
24/7 Roadside AssistanceREACT
Keep moving with FREE island-wide roadside assistance from REACT
Added Benefits
Medical Expenses
Medical expenses incurred by the policy holder for injury caused by an insured accident
Wrecker & Storage Fees
After an accident we will help cover the cost of moving and storing your vehicle at a safe location
Personal Accident Benefit
Personal injury resulting in death to any occupant(s) of the insured vehicle ($250,000 per person)
Manslaughter Defence
Legal fees to defend the insured against manslaughter charge
Glass Damage
Damage to the windshield or windows of the insured vehicle; Max two (2) claims
Personal Effects
Damage to personal effects of the insured caused by an accident
Alternative Transportation
Travel costs incurred in place of driving - $3,000/day; Max 5days
Key Replacement
Replace lost, stolen or destroyed key/transmitter; Max two (2) claims
Damage to Garage by Fire
Private residence garage damaged by burning vehicle
24/7 Roadside Assistance
Keep moving with FREE island-wide roadside assistance from REACT
