What’s Included
All Risk Motor Insurance
Comprehensive protection covering damage to your own vehicle (accidents, fire, theft) plus damage caused to others.
Third-Party Liability
The essential legal baseline covering injuries or property damage your vehicle causes to other people, excluding your own car.
Compulsory Insurance
Guaranteed access to official brand workshops or premium, trusted garage networks.
Total Loss Insurance
Cost-effective coverage that pays out exclusively if your vehicle is completely stolen or damaged beyond economical repair.
We’re here when you need clarity
Frequently Asked Questions
What do I do immediately after a car accident?
Take a breath and call us right away. Don’t argue with the other driver or guess what your policy covers. Our team will guide you through filing the expert report correctly, dispatching towing if needed, and managing the entire repair process from start to finish.
How do you keep my corporate fleet premiums from skyrocketing after a claim?
We look at the big picture. Instead of just accepting a rate hike at renewal, we run a diagnostic audit on your fleet data, suggest small operational safety steps, and renegotiate directly with underwriters to keep your overall costs stable.
What is the difference between Compulsory, Third-Party, and All-Risks insurance?
Compulsory insurance is the baseline legal requirement that covers bodily injury to others. Third-Party covers property damage you cause to other cars or structures. All-Risks is the premium option that completely protects your own car against accidents, theft, fire, and vandalism.
Can I choose my own garage for repairs after an accident?
Yes, provided your policy includes an "Agency Repair" or open-network option. When we structure your motor plan, we discuss your repair preferences upfront so we can anchor access to official brand workshops directly into your contract text.
Does my motor insurance cover me if I drive across borders into neighboring countries?
Standard auto insurance is strictly restricted to local geography. If you plan to drive outside the country, reach out to us a few days before your trip so we can easily arrange an international extension or a Orange Card endorsement to keep you fully protected abroad.
How does a "deductible" or "excess" impact my claim out-of-pocket?
The deductible is the fixed amount you agree to pay toward repairs before the insurance company covers the rest. A higher deductible lowers your annual premium, while a zero-deductible policy costs more upfront but means you pay nothing when an accident happens.