Products
Motor Insurance
Cumberland Motor insurance program offers coverage for fire, theft, and accidental damages to your insured vehicle, along with third party liability protection.
Plans & Benefits
You can enjoy a range of supplementary benefits available across our various plans.
| Benefits | Prestige | Regular |
| Accidental Loss or Damage to the insured vehicle | ✔ | ✔ |
| Loss or damage caused by Fire | ✔ | ✔ |
| Loss due to Theft including Hold up | ✔ Nil excess | ✔ 10% Excess |
| Agreed Value (Brand New – 0 km) | First Year | N/A |
| Third Party Liability Material Damage included | USD 1,000,000. – | USD 1,000,000. – |
| Natural Perils (Hail, STF, Earthquake) | 25% of Vehicle Value max $15,000 | $1,000 |
| Strikes, riots and civil commotion S.R.C.C. | 25% of Vehicle Value max $15,000 | $1,000 |
| Malicious Damage extension (Including Broken Keys) | Limit USD 750 / year | N/A |
| 14 days car hire following Total Loss and Theft
For cars <=$50,000.- For cars >$50,001 |
Max USD 500
Max USD 1,000 |
N/A |
| 12 days car hire due to accident | Excess First 2 Days | N/A |
| For cars USD 25,001 – USD 50,000.- | USD 50 / Day | N/A |
| For cars > USD 50,000. – | USD 75 / Day | N/A |
| Transported Passengers: | ✔ | ✔ |
| Medical Expenses: USD 5,000 | ✔ | ✔ |
| Death: USD 15,000 | ✔ | ✔ |
| Annual Limit : USD 50,000 | ✔ | ✔ |
| Agency Repair for Model Years 2024-2025-2026 | ✔ | N/A |
| Agency Repair for Model Years 2021-2022-2023 | Additional Rate of 0.35 as per Guideline no.2 | N/A |
| Depreciation on New Spare Parts (Up to 30% Maximum) | Applicable as of 2018 For models 2018-2023 NOT Applicable if NOT found used |
Applicable starting the 2nd year |
| Towing services following damage or breakdown (Unlimited Mileage) | ✔ | ✔ |
| Reimbursement of vehicle registration fee in case of total loss claim | 6% Of vehicle value maximum USD 7,500.- | N/A |
| Air Bags | 100% | Limited to USD 1,000 per unit Max. 4 Units |
| Depreciation on Battery Value in Case of Accident (Electrical Vehicles) | 10% 1st Year & Up to Max 50% | 10% 1st Year & Up to Max 50% |
| Partial theft (built in parts) with no excess | Limit USD 5,000/ Year | N/A |
| Accidental scratching and denting | ✔ | N/A |
| Cover while in custody of valet parking, car wash and repair | ✔ | N/A |
| Vinyl covered if added to Sum insured (Excluding scratching and denting) Wrapping | ✔ | ✔ |
| Litigation Expenses | USD 5,000.- / Year | N/A |
Are you concerned about the financial implications of extensive vehicle repairs? Cumberland Motor Loss Insurance is designed to cater to your needs and ensures that your insured vehicle is protected in situations where repairing becomes financially impractical.
When the cost of repairs exceeds 65% of your car’s actual market value, it is considered a Total Loss. Our policy steps in to provide the necessary support during such circumstances, offering you peace of mind and shielding you from significant financial burdens.
We also provide protection for accidents involving third-party material damage, ensuring that you’re safeguarded against unforeseen expenses in the event of an unfortunate incident.
When it comes to road accidents, being prepared is essential. That’s why Cumberland Motor is proud to offer our top-of-the-line third-party liability insurance, providing coverage for insured individuals who are found legally responsible for causing material damage to a third party.
Our comprehensive coverage extends to various vehicle types, including private cars, taxis, motorcycles, cargo vans, mini vans, private and school buses, pickups, trucks, water tankers, wheelers, and chained vehicles. We even offer the option for comprehensive road assistance coverage or coverage specifically tailored for accidents, ensuring that you have the right level of protection for your specific needs.
In case of road accidents, compliance with government regulations is paramount. That’s why Cumberland Motor is proud to offer our comprehensive Third Party Liability or Bodily Injury insurance program, fulfilling the legally mandated coverage required by the Lebanese Government under decree law no: 2180 dated 30 January 2003.
Our program’s primary objective is simple yet crucial to provide compensation to individuals who have suffered bodily injury as a result of a road accident involving a third party. We understand the importance of financial support during such challenging times, and our coverage extends up to the limits set by the law, ensuring that you receive the necessary assistance when you need it the most.
Please note that our coverage excludes fuel and flammable tankers, as per the law’s stipulations. At Cumberland, we’re committed to upholding legal requirements and offering you the comprehensive protection you deserve.
General Guidelines
- High Luxury or Performance Cars (Rolls Royce, Bentley, Ferrari, Lamborghini, Aston Martin, Maserati, and Tesla) refer to the company.
- Agency Repair for models 2021-2022-2023 refer to the company.
- Clear photos for new business must be submitted prior to the company’s approval of cover.
- All the above rates / products include Road Assistance / Towing and Lift.