Car & Motor Insurance

All Risk Insurance

All risk motor insurance is a complete cover for your vehicle. Actually when you only choose the liability cover, you don’t insure your own vehicle damages but the ones caused to a third party. To have a guaranty for your vehicle, you need to have one of our All Risk Motor products.

Drive

Now that the bodily injury cover is mandatory by law, you can complete your liability cover by insuring material damages to third party.
Drive is the motor insurance we propose to you to cover the material damages you may cause to a third party, in case of accident.

What types of vehicle are covered?
All private vehicles aged less than 20 years can be covered wader this plan.

Limit of cover
Depending on your needs you can choose either 250,000$ or 1,000,000$ for material damage cover. If you think that the compulsory limit for bodily injury is not enough, you can increase it up to an unlimited value if you have already chosen the higher limit for material damages.

We advise you to choose the highest limits you can afford in order to be on the safe side.

Add ups
In this product you will get with the liability cover the following add ups:

  • In hospital medical expenses to the driver and non third party passengers directly attributable to an insured accident up to a maximum of $5000 in the aggregate for all persons and during the period of insurance.
  • Road assistance that will provide the towing and expert in case of accident.

Optional Cover
You can add to the proposed covers the personal accident cover to the driver and non-third party passengers up to 5 persons (driver inclusive). This option covers:

  • Death and Permanent total disability up to 5000$
  • Medical expenses up to 3000$

Drive+

This product covers:

  • Third Party Liability:
  • Material Damages up to $1,000,000
  • Bodily injury cover in excess of the compulsory cover up to $10,000,000
  • Own Damage

Total loss of vehicle resulting from:

  • Theft (excluding hold-up) with a 10% deductible
  • Fire, explosion or accident
  • A car is considered as a total loss if the costs of repairs exceed 70% of its value (constructive total loss).
  • Replacement value as per market value
  • Emergency & In hospital medical expenses to the driver & non-third party passengers directly attributable to an insured accident up to a maximum of $5000 in the aggregate for all persons and during the period of insurance
  • Road Assistance

Driver

This product covers:

  • Third Party Liability:
  • Material Damages up to S1,000,000
  • Bodily injury cover in excess of the compulsory cover up to S10,000,000
  • Own Damage:
  • Damage by accident (depreciation on spare parts)
  • Fire & Explosion
  • Theft loss damage including hold-up with a 10% deductible
  • Road Assistance
  • Indemnity: as per market value
  • In hospital medical expenses to the driver & non-third party passengers directly attributable to an insured accident up to a maximum of S5000 in the aggregate for all persons and during the period of insurance
  • In case of total loss of your vehicle due to a covered accident, we will provide you with a reasonable courtesy car for 10 days to satisfy your transportation needs. A car is considered as a total loss if the costs of repairs exceed 70% of its value (constructive total loss)

Optional Cover:

You can add to this product a Personal accident cover for the driver and non-third party passengers up to 5 persons with an additional premium of only 50S.

The limits per person are:

  • 3,000S medical expenses
  • 5,000S Death & Permanent total disablement
  • Partial Permanent disablement

Driver+

Is the best All Risk cover you can find on the Lebanese market, it has all the features needed for a motor insurance.

  • Third Party Liability:
  • Material Damages up to 51,000,000
  • Bodily injury cover in excess of the compulsory cover up to 510,000,000
  • Own Damage:
  • Damage by accident (depreciation on spare parts)
  • Fire & Explosion
  • Theft loss damage including hold-up with a 10% deductible
  • In case of total loss to a brand new car, the company will pay the replacement value up to the limits stated in the policy; provided that the car is not more than 2 years old
  • Death and Total permanent disablement up to 5,0005 and medical expenses up to 3000S to the driver and non third party passengers up to 5 persons (driver inclusive)
  • No depreciation on spare parts for cars up to 5 years old, 6 if the vehicle has a clean loss record
  • Registration fees: 7.5% of the insured value of the car
  • Excess is not applicable on total loss due to theft & hold-up
  • Litigation expenses up to 5,0005 as an aggregate annual limit
  • In case of reparation or total loss of your vehicle due to a covered accident, we will provide you with a reasonable courtesy car for 10 days to satisfy your transportation 3 days excess will be applicable in case of repair
  • Road Assistance

 

Motor Third Party Liability

As per the new Lebanese Law voted and applied on April 5, 2003, all cars on the Lebanese territory are to be insured for third party liability bodily injuries.

The needed limit for this cover is 750,000,000 LBP and its official premium 75,000 LBP.

If you think that the needed amount is not enough to cover your liability, you can choose to higher your limit till $10,000,000.

 

Outside Lebanon program

AFIL also has ORANGE CARD program which covers accident in all Arab countries. This program is a third party liability which covers material damages and a bodily injury.

Needed documents:

  • A copy of obligatory insurance coverage in Lebanon
  • A copy of driving license
  • A copy of the third party insurance in Lebanon
  • The duration of the trip should be mentioned

It Can be:

  • Annual insurance
  • 3 months insurance
  • 6 months insurance

 

What to do to file a claim?

  • Notify your broker or AFIL immediately
  • You must fill an accident declaration form with all the details, sign the declaration
  • To open a claim file we need client declaration, the export report and a copy of driving license