Coverage 1
Third-party legal liability as required by applicable law and the policy.
Motor Insurance
Private Car Insurance
Private Car Insurance is designed to address specified motor insurance risks, with coverage structured around the insured interest, policy limits and applicable terms.
Understand the cover
Claims guidance
Coverage choices
Customer supportUNDERSTANDING THE POLICY
Protection built around the risk you want to manage
Motor insurance is designed to protect the insured vehicle and, where selected, provide third-party liability protection. The appropriate cover depends on the vehicle, usage, declared value, location, add-ons and policy terms.
Coverage 2
Own-damage protection for insured events under comprehensive or package cover where selected.
Coverage 3
Protection against specified accidents, theft, fire and natural or man-made events according to the wording.
Coverage 4
Optional add-ons such as zero depreciation, roadside assistance or engine-related protection where offered.
Coverage 5
Personal accident benefits where included and applicable.
COVERAGE AREAS
What the policy may address
Coverage is subject to the exact policy wording, schedule, endorsements, limits, conditions and exclusions.
01
Third-party legal liability as required by applicable law and the policy.
02
Own-damage protection for insured events under comprehensive or package cover where selected.
03
Protection against specified accidents, theft, fire and natural or man-made events according to the wording.
04
Optional add-ons such as zero depreciation, roadside assistance or engine-related protection where offered.
05
Personal accident benefits where included and applicable.
IMPORTANT CONDITIONS
What to check before choosing
Insurance is a contract of defined coverage, not a blanket guarantee against every loss.
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Normal wear and tear, depreciation and mechanical deterioration unless specifically covered.
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Driving without a valid licence or use outside the permitted policy conditions can affect a claim.
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Consequential losses or excluded modifications/use.
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Losses beyond the insured declared value or applicable limits.
Documents that may be requested
- Vehicle registration certificate and policy details.
- Driving licence and incident information.
- Photographs, repair estimate and survey documents where required.
- Police report or theft documentation where applicable.
- Purchase invoice and previous policy details for underwriting or add-ons.
CLAIMS JOURNEY
What to do when something goes wrong
Prompt notification and complete documentation can help the insurer assess a claim efficiently. Exact timelines depend on the policy.
01Inform the insurer promptly after an accident or loss.
02In a serious accident or theft, inform the appropriate authorities where required.
03Use the insurer's approved garage process for cashless repairs where available.
04Do not authorise major repairs beyond necessary safety measures before survey/approval where the policy requires it.
05Submit the requested documents and cooperate with inspection.
FREQUENT QUESTIONS
Questions customers commonly ask
What is comprehensive motor insurance?
It generally combines third-party liability with own-damage protection, subject to the selected policy and exclusions.
What affects the premium?
Vehicle type, age, location, insured value, usage, claim history, voluntary deductible and selected add-ons can affect pricing.
What is IDV?
Insured Declared Value is the value used for certain own-damage and total-loss calculations, subject to the policy.
Can I transfer my policy when I sell the vehicle?
Policy and ownership changes should be notified to the insurer and handled according to applicable transfer and endorsement rules.
PERSONAL ASSISTANCE
Talk to GUAN Technologies about Private Car Insurance
Tell us about your requirement and our team can help you understand what information and coverage features should be compared.