Comprehensive Motor Insurance

The motor comprehensive policy includes cover for fire, theft, and accidental damages caused to the insured vehicle, in addition to third party liability.

You may benefit from an array of additional benefits spread among various plans including but not limited to:

  • Personal accidents to the driver (owner) and passengers (family members) up to a stated limit
  • Malicious Damages
  • Road assistance
  • Replacement Car

 

Benefits

Prestige

Prestige-L

 

Regular & Regular-L
Accidental Loss or Damage to the insured vehicle ✔ ✔ ✔
Loss or damage caused by Fire ✔ ✔ ✔
Loss due to Theft with an excess of 10% ✔ ✔ ✔
Hold Up covered Nil excess Nil excess 10% Excess
T.P.L. Material Damage included USD 500,000. – USD 500,000. – USD 500,000. –
Flood & Natural Perils cover (excluding earthquake & hail) Max USD 5,000. – ✔ ✔Including Hail up to 1500$ X
S.R.C.C. at an additional premium of USD 100.- 10% of vehicle’s value maximum USD 5,000 – 10% of vehicle’s value maximum USD 5,000 – 10% of vehicle’s value maximum USD 5,000 –
Malicious Damage extension Limit $750 / year Limit $750 / year X
14 days car hire following Total Loss and Theft. ✔ Max USD 50 / Day ✔ Max USD 25 / Day X
10 days car hire due to accident Excess First 3 Days

Excess First 3 Days

USD 25 / Day

USD 50 / Day

 X
* For cars <= USD 50,000. – USD 50 / Day
* For cars > USD 50,000. – USD 100 / Day
 Transported Passengers: ✔ ✔ ✔
Medical Expenses: USD   5,000
                           Death: USD 10,000
              Annual Limit : USD 25,000
Agency Repair for Model Years 2020-2023 ✔ To be Agreed ✔ To be Agreed X
 Depreciation on New Spare Parts Applicable starting the 4th year Applicable starting the 4th year Applicable starting the 2nd year
Towing services following damage or breakdown ✔ ✔ ✔
Reimbursement of vehicle registration fee in case of total loss claim (7.5% of vehicle’s value max. USD 5,000.- paid in LBP) ✔ 3.5% of vehicle value maximum USD 5.000 X
Air Bags 100% 100% Limited to USD 750 per unit Max. 4 Units
Partial theft (built in parts).

Limit USD 1,000 / Year

Deductible USD 100.-

Limit USD 1,000 / Year

Deductible USD 100.-

 X
Accidental scratching and denting ✔ ✔ X
Cover while in custody of valet parking, car wash and repair. Additional rate: 0.25% Additional rate: 0.25% X

Motor Total Loss

Total Loss car insurance covers the insured car when considered not financially feasible to be repaired. In other words, if the repair costs exceed 65% the actual market value of the car, it is seen as a Total Loss of the vehicle.

A Total Loss policy also covers total theft of insured car and third-party material damage accidents.

Motor Third Party Material damage

Motor third party liability insurance policy is a policy under which the insurance company agrees to indemnify the insured person, if he/she is held legally liable for material damage done to a third party following a road accident.

Vehicles types that can be insured at Cumberland:

  • Private cars with optional full coverage road assistance or a road assistance cover due to accidents only.
  • Taxis.
  • Motorcycles.
  • Cargo vans and mini vans (road assistance available for single rim vehicles only).
  • Private and school buses (road assistance available for 7 seater single rim buses only).
  • Pickups (road assistance available for single rim pickups only).
  • Trucks, water tankers and similar (except fuel tankers upon underwriter special consideration).
  • Wheelers and chained vehicles.

Motor Third Party Liability – Bodily Injury

Motor third party bodily injury, is a mandatory liability insurance, requested by the Lebanese Government (as per decree law no: 2180 dated 30 January 2003) to indemnify third party victims of a road accidents for bodily injury up to the limit determined by the law (except fuel and flammable tankers).