Plan Three - Full Cover

Quantum Plan Three - 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 (up to seven years old) 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 car

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 car including Fire, Theft, Cyclone, Flood and Accidental Collision

Strikes, Riot, Lock-outs and Civil Commotion

Tidal Wave and Tsunami

Car Occupants Cover – Death/Disability

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 amount per Car Occupant to cover the medical expenses of you and /or any occupant (including any member of your immediate family) travelling with you in your vehicle who is injured as a result of an incident involving your car.

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 car, you will benefit from free towing services and we will also send roadside assistance if your car breaks down.

Loss of Use

Replacement car in case of accident

Towing of Trailer

We will extend (Your Liability to Others Cover Section: Third Party Bodily Injury and/or Third Party property Damage) whilst your car is towing a caravan, trailer or a broken-down vehicle as allowed by law, provided it is attached securely to your car in line with the manufacturer’s recommendations.

Optional

Agreed Value

In case of a Total Loss we will pay the stated agreed value in your policy less any deductible (If applicable).

Accessories Cover

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

Optional

Waiver of Excess

In case of loss or damage to the vehicle, the excess will not be borne by the insured. (No Excess, if applicable).

Misfueling

We will pay to clean the fuel system and other associated parts of your vehicle or to repair any loss or damage caused if your car is filled with an inappropriate grade or type of fuel.

Replacement of Car 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

Personal Belongings

We will pay up to the Sum Insured amount stated for loss of or damage to your personal possessions from your car.

Car 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

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.

Windscreen Damage

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

Cherished Plates Number

We will cover the fees for transferring your personal registration plate to your new vehicle up to the stated amount if your vehicle is stolen and not covered within 30 days or your vehicle is declared as a Total Loss.

Motor Legal Assistance

We will pay up to stated Sum Insured to cover the legal costs and expenses of you taking any legal action as a result of non-fault road traffic accident which causes the following: 1) Your death or bodily injury while you are in, on or getting into or out of your vehicle. 2) Damage to your vehicle. 3) Damage to property which you own or are legally responsible for and which is in or on your vehicle.

Optional


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