Extensions to Motor Insurance

 

Extensions are additional benefits available to the Insured under a Private Motor Car Insurance policy.

Here are 3 examples of Extensions:

Legal liability of Passengers

- This is liability incurred due to the negligent acts of pasengers, ie. a passenger opens the door of the vehicle without due care or proper look-out for passer-by, vehicle, cyclists.

Windscreen Damage

– The windscreen is already covered under the standard policy, but if a claim for such a damage is applied the NCD will be affected

- If this extension is purchased, damaged to windscreen will be treated as a separate issue and NCD will not be affected

No Claim Protector

- This extension allows motorists to make claims on their own Insurance policies without losing the entitlement to their NCD

- This extension is only valid for motorist who already have 50% NCD

ie. Motorist ‘A’ already has 50% NCD, if he meets with an accident the NCD on renewal will be reduced to 20%.

IF he purchased the extension, Motorist ‘A’ will be able to preserve his NCD of 50% even after an accident.