Why you need Motor Comprehensive Insurance Policy this festive season

A police officer looks at the wreckage of a Nissan Patrol that was involved in a head on collision with a trailer at Kakira along the Jinja-Iganga highway. Insurance policies such as Third Party and Comprehensive cover cater for such accidents but not all motorists and other parties involved follow-up to benefit from the claims. PHOTO BY WILLIS OMITH

What you need to know:

According to Marion Mlama Akoth, a Senior Underwriting Manager at Liberty General Insurance Uganda Limited, the Motor Comprehensive Insurance is the ideal gift that is long-lasting and favours your pockets from uncertainty especially as you plan for the long-distance trip upcountry for Christmas

We are at the most wonderful time of the year- Christmas. It offers us a chance to reflect on the year behind us and look towards what is ahead. One of the most special moments is gifting. How about you make a difference this festive season by buying yourself or your loved ones a gift that stands out from the rest? 

According to Marion Mlama Akoth, a Senior Underwriting Manager at Liberty General Insurance Uganda Limited, the Motor Comprehensive Insurance is the ideal gift that is long-lasting and favours your pockets from uncertainty especially as you plan for the long-distance trip upcountry for Christmas.

She says, Motor insurance being intangible may not sound ideal, but it is a well-thought-out gift. It is practical and comprehensive, and offers solutions through the tough times of loss or damage when the pockets aren’t as full. 

Also, with the condition of the roads and the reckless drivers out there, this is the best bet for a hustle free festive season.

“Before you sign on the dotted line to this motor comprehensive insurance cover, you need to understand what it is all about. Motor Comprehensive provides cover against accidental loss or damage to your vehicle as well as third party death, injuries, or property damage. The policy shall either repair or replace the damage to the vehicle and provide compensation in the event of injury or death,” she says.

The comprehensive motor insurance, which has a wide-ranging coverage, is a not only the better option than the state-mandated third-party liability but also the peace of mind provided by this policy is invaluable since it provides the highest layer of safety for your vehicle and you all the while keeping you financially protected in case of a mishap.

Summary

Third Party Liability- If you are engaged in any accident or collision with another vehicle or property, and individuals are injured or killed or property damaged, the policy would provide compensation to the third party or beneficiary.

Own damage coverage- In case of hit and run scenarios, theft of vehicle parts, damage from floods etc- any repairs to the vehicle can be done on the comprehensive cover.

Medical Expenses to the driver- The policy offers reimbursement in the event of any medical bills or hospitalization incurred as per the accident.

Towing, Wreckage Removal and Protection- If the vehicle is badly damaged and unable to move after an accident, insurance can organize for towing to your garage and safeguarding till repair.

Personal accident cover to the driver: If the driver is seriously injured, resulting into disability, the policy offers an added benefit to assists with the expenses.

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