AUTO INSURANCE

Make sure that Auto Insurance cover you choose will give you adequate financial protection. A minor accident may cost a few hundred dollars, but a serious accident will cost you thousands of dollars. It is not wise to save a few dollars and find yourself having to pay large compensation and repair costs. This will have a negative impact on your financial situation especially if you have an outstanding bank loan on your vehicle.

Knowing that you have a good Auto Insurance cover, you only need to concentrate on recovering your health and to get your vehicle back on the road again.

 

Auto Insurance will cover these types of vehicles such as:

  • Family Vehicles
  • Passenger Vehicles
  • Trucks
  • Motorcycles

 

WHAT IS COVERED?

THIRD PARTY LIABILITY COVER

  • Third Party Liability

Covers against third party bodily injury and third party property damage and legal service arising out of the use of vehicle.

 

 

COMPREHENSIVE COVER

 

  • Third Party Liability (TPL)

Covers against third party bodily injury and third party property damage and legal service arising out of the use of vehicle.

 

  • Own Damage (OD)

Covers accidental Loss or damage as a result of accidental collision or overturning and contact with falling objects, fire, external explosion, self-ignition, lightning or malicious act. The maximum amount we pay is no more than the prevailing market value of your vehicle at the time of loss or damage.

 

  • Theft

Covers accidental loss or damage as a result of burglary (forcible or violent means) or housebreaking or theft. The maximum amount we pay is no more than the prevailing market value of your vehicle at the time of loss or damage.

 

  • Accident to Passengers (AP)

Covers your passengers for death or bodily injury.

 

  • Accident to Driver (AD)

Cover you or your authorised driver for death or bodily injury.

 

 

OPTIONAL COVER (SUJECT TO ADDITIONAL PREMIUM)

 

  • Flood

Covers loss or damage directly caused by or through or in consequence of flood (including overflow of the sea). Flood means the overflowing or deviation from their normal channels of either natural or artificial water courses, bursting or overflowing of public water mains and any other flow or accumulation of water originating from outside cause including flood caused by earthquake volcanic eruption hurricane cyclone typhoon or windstorm.

 

  • Strike, Riot and Civil Commotion (SRCC)

Covers loss or damage caused by strike riot and civil commotion, provided such loss or damage does not arise out of or in connection with the Insured’s participation, collaboration or provocation of such act.

 

SOME OF EXCLUSIONS

 

  • Using for hire or reward
  • Using for racing, pace making, reliability trial or speed testing
  • Using outside the Geographical Area of Cambodia
  • Unlicenced driver
  • Unauthorised driver
  • Driving under the influence of intoxicating liquor or drugs
     

STANDARD EXCLUSIONS

 

  • Deductible stated in the policy
  • War and Civil War
  • Cyber Attack
  • Terrorism
  • Political Risks
  • Information Technology Hazards
  • Radioactive Contamination
  • Nuclear Energy Risks
  • Sanctions Limitation
  • Infectious Diseases
     

WHAT IS THE RISK INFORMATION FOR OUR PRICING?

 

These are some of the important risk information which we need to obtain from you so that we can indicate you a quotation or premium charge:

  • Client information
  • Nature of Business
  • Purpose of Use of Your Vehicle
  • Make of Vehicle
  • Model of Vehicle
  • Plate Number
  • Chassis Number
  • Engine Number
  • Year of Manufacture
  • Cubic Capacity or seats or tonnage
  • Value of Vehicle (market value basis)
  • Loss History in the past 5 years
  • Expiry date if currently covered by any insurance company