Motor insurance

Phoenix Comprehensive Motor Insurance

Our comprehensive motor policy covers:

• Loss of or damage to the insured vehicle from accidental collision, overturning following mechanical breakdown or wear and tear, theft, burglary and housebreaking, fire, external explosion, self-ignition or lightning
• Third party legal liability
• Third party property damage, up to GH¢5,000.00. You can buy a higher limit for an additional premium.
• Death of or bodily injury to third parties, including members of your household and passengers you carry free of charge

Additional covers include malicious damage, riots and strikes, civil commotion, flood, typhoon, hurricane and tempest, and other convulsions of nature. For each of these, our limit of liability is the sum insured.

Benefits of comprehensive cover

• Refund of reasonable towing costs
• Basic first-aid costs for injuries to you and other occupants after an accident
• Personal accident benefits for you and the driver of the vehicle
• Free replacement of a damaged windscreen
• Your no claim discount (NCD) from a previous insurer carries over
• Negotiable credit facility

Third party insurance

Protects you against legal liability for the death of, or bodily injury to, third parties, and for damage to their property.

Third party, fire and theft

The same cover as third party insurance, extended to loss of or damage to your own vehicle from fire and theft.