Plan Two - Full Cover

Quantum Full Cover will provide you peace of mind with the widest range of cover you can find for your vehicle and will protect you from loss or damage (including its accessories and spare parts).

This is our fully comprehensive cover for vehicles (Over MUR 300,000) which can be supplemented by a wide choice of extras for wider coverage for the most demanding insured. You can tailor your own full comprehensive cover that will suit your needs at a very competitive price.


Own Damage
  • Accidental collision or overturning.
  • Collision or overturning consequent upon mechanical breakdown or consequent upon wear and tear.
  • Malicious act.
  • Whilst in transit (including the processes of loading and unloading incidental to such transit) by road lift or elevator.
Fire

Fire, external explosion, self-ignition, lightning

Theft

Theft of bike

Riot, Strikes, Lock-Outs, Civil Commotion

Riot

Any act committed in the course of a disturbance of the Public peace by any person taking part together with others in such disturbance or any action taken by any lawfully constituted Authority for the purpose of suppressing or minimizing the consequences of such act.

Strikes, Lock-outs

Any willful act of any striker or locked out worker done in furtherance of a strike or in resistance to a lock-out or any action taken by any lawfully constituted Authority for the purpose of suppressing or minimizing the consequences of such act.

Cyclone, Tempest & Flood

Flood:

  • The overflowing or deviation from their normal channels of either natural or artificial water courses and
  • Any flow or accumulation of water on the ground.

Tidal Wave and Tsunami

Ocean waves triggered by large earthquakes that occur near or under the ocean, volcanic eruptions, submarine landslides, and by onshore landslides in which large volumes of debris fall into the water.


Our Limit of Covers are in MUR
WHEN WE PAY OR PROVIDE

Third Party Bodily Injury

You are covered if you injure another person or are involved in a fatal accident involving your car. We will also help pay for lawyer's expenses and legal costs to resolve or defend a claim made against you.

  
500M

Third Party Property Damage

You are also covered when property belonging to a third-party is damaged by you in a car accident involving your car. We also will help pay for lawyer's expenses and legal costs to resolve or defend a claim made against you.

50M

Liability to Members of Your Household

Own Damage to your bike including Fire, Theft, Cyclone, Flood and accidental collision

Strikes, riot, Lock-outs and civil commotion

Tidal Wave and Tsunami

Personal Accident (Death/Permanent disablement) – Pillion and Rider

We will pay up to the sum insured for which you are covered for death and/or loss of sight or limbs for the driver as well as other car occupants as a result of an accident involving your car.

Medical Expenses following Car Accident

We will pay up to the stated for the rider and pillion rider to cover the medical expenses of you and the rider /or any occupant (including any member of your immediate family) travelling with you who is injured as a result of an incident involving your bike.

Hospital Expenses following Car Accident

We will additionally pay up to the stated amount for hospital expenses incurred by you and any member of your immediate family who is injured as a result of an incident covered by this policy who has to stay in hospital for more than 24 hours.

Road Assistance

In the event of accident involving your bike, you will benefit from towing services and we will also send roadside assistance in case of breakdown.

Accessories

Tell us exactly what they are worth and we will cover them for any loss or damage with some additional premiums.

Optional

Road Rage

If you suffer a physical assault as a direct result of an accident involving your vehicle then we will pay you up to the stated Sum Insured amount towards your costs for medical expenses, trauma counselling or other associated expenses.

Vehicle Jacking

If you suffer a physical assault as a direct result of an aggravated theft or aggravated attempted theft of your vehicle we will pay you up to the stated Sum Insured amount towards your costs for medical expenses, trauma counselling or other associated expenses.

Optional

Replacement of Bike Keys and Locks

In the event that your vehicle’s keys, key fobs, ignition keys, ignition cards, steering lock keys, immobilizer keys, alarm transmitters, tracking system transponders, lock transmitters or garage door transmitters are lost or stolen we will pay up to a maximum amount stated in Your Cover to replace them where necessary.

Optional

Windscreen Damage

We will pay for the cost of repairing or replacing damaged windscreen, (or for any scratches on the bodywork caused directly by the broken glass), including their reasonable costs of fitting.

Optional
en