Scope of Comprehensive cover
Loss or damage to your car 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.

Third Parties include passengers in the vehicle, except members of household and employees of Insured.

Personal Accident for car occupants
A basic cover for car occupants providing for the payment of benefits following Death, Permanent Disablement and the refund of Medical Expenses subject to limits specified.

Extensions
Your private car policy may be extended on request and for an additional premium to cover:

• Cyclone and flood damage
• Strikes, riots and civil commotion
• Higher limits of Sum Insured under the Personal Accident cover for car occupants
• Loss of Use – payment of a specified amount per day for each day your car is under repairs

Complimentary service
Autoplus is a complimentary service available to our Comprehensive Private Car insurance policyholders. It provides 24-hour assistance service in case of breakdown of your car or accident.

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 car and does not therefore concern Third party claims. It is applicable irrespective of whether the Policyholder is at fault for the damage to his car or not.

RESTRICTION OF COMPREHENSIVE COVER

Third Party only
The Comprehensive cover under your Private car insurance policy may be restricted to cover only liability towards Third parties. This restricted cover is usually known as ‘Third party only’ cover.

Third party and Fire
This is a Third Party only cover extended to cover Fire damage caused to your car.

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 to 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.