Motorcycle insurance policy
Motorcycles include motorcycles, autocycles and motor scooters.

Scope of Comprehensive cover
Loss or damage to your motorcycle caused by:

• Accidental collision or overturning
• Fire, external explosion, self-ignition or lightning
• Burglary, theft
• Malicious act

Liability to third parties
Liability towards third parties for property damage or bodily injury, including death.

Excess
An Excess is the first amount of a claim which the Policyholder has to bear.

It is applicable in respect of claims pertaining to loss or damage to the motorcycle and does not therefore concern Third party claims.

It is applicable irrespective of whether the Policyholder is at fault for the damage to his motorcycle or not.

Third Party and Fire cover
The Comprehensive cover may be restricted to cover Fire damage to the vehicle and third party liabilities.

Making a claim
At SICOM, we strive towards fair and quick settlement of claims. There are however some actions that you will need to do to enable us to deal with your claim promptly.
It is important that you:

• Inform the Police Authorities of the accident giving rise to the claim
  
  
• Notify us of your claim in writing or by phone as soon as possible and at latest within 5 days of occurrence of the event giving rise to the claim. You can come to our office to make your claim. Our staff will assist you in filling in a claim form and will advise you of further procedures. Please note that the driver of the vehicle must bring along his driving licence when calling at the office
  
  
• Where necessary, please take reasonable steps to prevent further loss or damage
  
  
• As far as possible, do not incur any repair costs without our prior approval, but if emergency repairs are necessary to prevent further loss, please keep the receipts for the costs involved
  
  
• Preserve the damaged vehicle for inspection purposes
  
  
• Send us without delay any claim, which you may receive, from another party in connection with the accident

How do we settle your claim
In the event of loss or damage to your vehicle, we shall have it repaired at the garage of your choice or by one of our nominated repairers, depending on the age and pre-accident condition of your vehicle.

In case the vehicle is treated as a total loss, the maximum amount which is payable is the pre-accident market value or the Sum Insured, whichever is the lesser.