Pay Half All Risks

Discounted All Risks for Private Cars

Product Condition:

• In case of claim, an additional premium equal to the initial paid policy premium should be paid once by the client before settling the claim.
• These rates are applicable for private cars. Add 0.25% for sports, special and luxury cars based on list attached. Cars above limit require referral.
• Premium is settled in Fresh USD only.

Product Benefits:

• Bodily injury Not included
• Third party material liability $1,000,000
• Fire, Total theft and holdup: Covered with no deductible based on market real car value
• Partial theft of internal (forcible entry) & external parts: Covered up to $5,000 with no deductible in the aggregate
• Own damage: Covered
• Scratching and denting: Covered excluding intentional acts
• PA:
• death for drivers and passengers including family: $25,000 per person and $50,000 in the aggregate
• Medical expenses for drivers and passengers including family $7,500 per person and $30,000 in the aggregate 
• Depreciation on spare parts: No depreciation will apply on new spare parts for car age 0 to 2 years in case used spare parts are not available on the local market. Otherwise, 10% during the year following manufacturing year, and 5% per year for the following years with a max of 50%
• Airbag Coverage: Unlimited
• 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 Km per ride,
• 2 rides per year due to mechanical and electrical failure
• Unlimited rides per year due to accident (cover granted after 5 days from policy issuance due to mechanical and electrical failure, subject to new policies only)
• Replacement car 10 days in the aggregate, starting the 2nd day of reparation, or $50 per eligible day
• Replacement car in case of total loss $250
• Total loss Depreciated market real car value will be paid, subject to 10% deductible
• Registration fees in case of total loss An amount of 10% of the depreciated market real car value will be paid
• Litigation expense $5,000 per year
• Strike riots and civil commotion (SRCC)
• For car value $0-$30,000: Covered up to a maximum limit of $5,000 in the aggregate
• For car value $30,001-$50,000: Covered up to a maximum limit of $10,000 in the aggregate
• For car value $50,001-$100,000: Covered up to a maximum limit of $60,000 in the aggregate 
• Hail, storm, tempest and flood: Covered up to the depreciated market real car value
• Car locks replacement: Covered 50% of its value in case of lost or broken car lock up to $250
• Cover while in custody of valet, car wash, & workshop: Covered

Special Condition:

• If driver age is 21 or younger or if driving license is valid for less than 1 year A deductible of $100 will be applied on each and every loss
  

 Required Documents:

1. Car Registration
2. Drivers license
3. Car photos of all sides