Vehicles are assets that require special type of insurance. The classes of cover include Full third party cover only, Full third party, fire & theft and Comprehensive cover. The range of cover increases in that respective order. Your broker can engage, on your behalf, vehicle assessors to determine the replacement values of the vehicles under comprehensive cover. Types of vehicles also determine the level of risk exposure and as such policies are tailor made for all classes of vehicles.
Excesses
| Total Loss | 3% of Value |
| Partial Loss | 10% of Loss: |
| Windscreen/glass | 33.3% Contribution |
| Theft of vehicle accessories | 25% of Loss |
| Accident outside Zimbabwe | Additional 5% of Value |
Other Limits
| Third Party Property Damage | $20,000 |
| Third Party Death/Bodily Injury | $20,000 |
| Passenger Liability | $30,000 per Event |
| Contingent Liability | $30,000 |
| Towing Charges limit | Reasonable to next garage |
| Audio Equipment Limit | 5% of Sum Insured |
| Repairs self-authorization limit | $50 |
| Legal fees limit | $1,000 |
| Medical expenses | $1,000 per event |
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