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Motor Insurance

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Reliable motor insurance designed to keep you and your car protected.

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Frequently Asked Questions

How can I make a claim request

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In case of an accident:

  • Do not abandon your car; have it moved safely.
  • If you have a camera, take a photo of the accident scene
  • Take Details of the other vehicle including driver and insurance details.
  • Report the accident to the nearest police station immediately.
  • Report the accident to Liaison Group Ltd

If someone drives my car and gets into an accident is it payable?

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Yes, provided the driver is authorised.
Authorised Driver: Insured and any person with the insured’s permission holding a valid driving license.

Should I make small claims?

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Small claims are claim that are below 2.5% of the sum insured, meaning any claim below excess will not be taken up by the insurance company.

What is the difference between comprehensive and third-party motor insurance?

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Third-party cover is the minimum legal requirement and provides coverage only for damages you may cause to other persons or property, while comprehensive cover provides additional protection by covering your vehicle's damages, partial theft and total theft.

What happens if my vehicle is stolen or declared a total loss?

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The vehicle will be written off as a total loss and the insurer will take it into their possession in case of damage.

You will also be required to transfer the logbook to the insurer's name.

What types of coverage are typically included in motor insurance policies?

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Below are some of the coverage in motor insurance depending on the type of cover as per specified limit.

  • Third Party Property Damage
  • Third Party Bodily Injuries
  • Passenger Legal Liability
  • Emergency Medical Expenses
  • Towing & Recovery Expenses
  • Windscreen & Window Glass
  • Entertainment Unit
  • Repair Authority
  • Accidental Damage to your Vehicle
  • Theft

Do I need to inform my insurance provider if I modify my vehicle or change my address?

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Yes - For instances like engine change, LPG gas installation and any other modification. Please inform the contact person at Liaison Group Ltd for further guidance.

What factors determine the cost of motor insurance?

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  • Scope of cover i.e Comprehensive or third-party cover
  • Vehicle’s current value
  • Benefits taken
  • Vehicle’s usage i.e Private, Commercial (Own goods, General Cartage, PSV and TSV)

Is it necessary to have motor insurance, and what are the legal requirements?

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Yes - Third-party cover is the minimum legal requirement and provides coverage only for damages you may cause to other persons or property.

What is the No Claims Bonus, and how does it affect my motor insurance premium?

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No Claim Bonus - is a discount allowed for not claiming during policy period and it is applicable during policy renewal.

Can I transfer my policy to the new owner once I sell my car?

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The principle of insurable interest will apply. Meaning the owner of the car should directly have interest of the vehicle.

When you sell your car it is important to cancel your cover by informing your representative at Liaison Group. The transferee will take up their cover thereafter.

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