Private Insurance should be chosen when the vehicle is used for social, domestic purposes or personal commuting only

Commercial Insurance should be chosen when the vehicle is used for commercial traveling, motor trade or general business use.

Note that some vehicles such as pickups or cabs are generally regarded as commercial type due to their model despite the use. In such case, if the vehicle is still used only for personal use and you require private cover, you may indicate this to your underwriter and concessions may be allowed on an individual basis.

Third Party Insurance is the most basic form of auto insurance available. It is compulsory to have at least this form of insurance on any road vehicle.

This may be chosen for you depending on the age of your vehicle

The focus of third party insurance is to provide insurance for damage to the other party i.e. damage to your vehicle is excluded.

• Pays for damage to third party’s vehicle/property/bodily injury, if at fault.

• Covers authorized driver if not the insured, provided he/she holds a valid drivers’ license

• Legal cost to defend charges for reckless driving which causes death

• Compensates for legal liabilities for accidental damage to the property of a third party

• Compensates for legal liabilities for an accident which causes bodily injury to a third party  

Comprehensive Insurance offers a complete package and it is advisable to fully insure your vehicle whenever possible. It provides coverage for damage to insured’s vehicle and pays for damage to third party’s property and bodily injury if at fault.

• Windscreen cover – we repair your damaged windscreen up to $3,000 limit

• Agreed Value – value of your vehicle, agreed by Consumers’ Guarantee Insurance and you, for each policy year

• FREE Inspections & Valuations (requested by us) at our office, anytime between 8:00 am to 4:30 pm.

• Cover for Burglary, Malicious Damage, Flood, Fire

• Cover for damage by an uninsured motorist

• Loss of use – if your vehicle is damaged due to an accident we can provide you with a hired vehicle for up to 7 days while your vehicle is being repaired

• The reasonable cost of towing your vehicle to an Authorized Garage should your vehicle be disabled following an accident.

• Medical expenses for you and your family in an accident up to $500 each.