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Blue Cross Insurance Liberia
Blue Cross Insurance Liberia

Motor Vehicle Insurance

Driving responsibly is crucial to keep you and your vehicle safe. Our Motor Vehicle Insurance offers tailored coverage to meet your individual needs.

From third-party liability to comprehensive protection, we've got you covered. Experience the peace of mind that comes with knowing you're protected on every road.

Available Covers

THIRD PARTY COVER
This policy grants cover for insured’s legal liabilities to third parties in respect of damage to property, bodily injury and death up to a limited amount. Damage to the insured vehicle/ equipment is excluded
THIRD PARTY FIRE & THEFT
The policy Covers: Loss or damage caused by fire or theft to insured’s vehicle (subject to the terms and conditions set out in the policy).
. Loss or damage caused by fire or theft to insured’s vehicle (subject to the terms and conditions set out in the policy). The insured’s legal liabilities to third parties in respect of any damage to a limited extent to the property of such third parties and for any injury or death to third parties arising from the use of the vehicle.

Under the theft section of a motor policy, cover is given respect of loss or damage caused by unauthorized use of the vehicle (e.g., joyriding). Damage to a vehicle that is stolen and subsequently recovered in a damage state is covered. The motor policy excludes wear & tear, mechanical or electrical failures or breakdowns however a resultant fire and breakdown or failure is covered. Accidental damage to the vehicle under TPF & T cover is excluded.
COMPREHENSIVE COVER

This is the most extensive cover. Briefly the comprehensive policy insures against: . Loss or damage to the insured vehicle/equipment either through theft, fire, or accident (collisions etc.) . Emergency medical expenses of the insured, his driver, or any occupant of the insured vehicle either up to a specific amount or a reasonable amount ( This cover is limited to private cars). . Legal liability for death or bodily injury to or damage to the property of third parties arising out of the use of the insured vehicle and . Solicitor fees for legal representation of the insured or his driver at any judicial proceeding arising from an accident which may give rise to a claim and any other expenses authorized by the insurer in writing. Please see below for benefits for the various motor insurance cover:

ADDITIONAL BENEFITS/EXTRA RIDERS:

1. Emergency Road-Side Assistance Service if your motor vehicle suffers breakdown due to flat tire, broken fan belt, broken clutch, seizure of engine and/or any sudden breakdown of your motor vehicle whilst in traffic and which requires immediate assistance such as towing service, we will provide such emergency assistance at an additional premium. Provided that:

  • Your motor insurance is comprehensive. 
  • The cost of towing does not exceed 20% of your automatic repair limit. 
  • Our partner service providers are available in you requested area.


2. Cover whilst driven by a motor trader to your request and at an additional premium, we can endorse your policy to cover losses which my occur whilst the vehicle is in the custody or control of a member of the motor trade for the purpose of overhaul upkeep or repair but only so far as it relates to the within name insured. The premium for this cover is 0.5% of the sum insured per vehicle.


3.AGGREGATE/UMBRELLA TPPD

This is a public Liability cover applicable on the policy, which provides extended cover to cater for Property Damage to Third Parties as a result of the use of your vehicle. The limit stipulates the most we will pay for all covered losses sustained during the one-year policy period. 

It consists of: 

  • Aggregate Limit - The maximum limit on the sum of all number of claims for the period.
  • Limit Per Claim - A maximum cap of one-third of the Aggregate limit.
  • Excess - An excess of 10% on each and every loss.
  • Aggregate Limit - The maximum limit on the sum of all number of claims for the period.
  • Limit Per Claim - A maximum cap of one-third of the Aggregate limit.
  • Excess - An excess of 10% on each and every loss.

For this cover to be applicable the policy must be an annual policy and the premium should have been paid in full. A claim under this section can be triggered only after the policy limit under the Third-Party cover of the insured policy has been exhausted.


This cover can be issued as a standalone policy or as an extension on Third-Party covers by paying an additional premium at a rate of 3%. The aggregate limit shall be reduced by the amount of claim paid during the policy period. This cover does not cater for loss or damage to property described as personal effects/items or contents of a Third-Party or nor does it cater for loss of use exceeding a period 2 weeks.


4. The Extra Third-Party Property Damage (ETPPD) Cover is an optional extension above the standard recommended minimum required cover of US$ 5,000.00 to a required limit by you. This is a cover that applies per vehicle in the policy and not on the entire policy like the umbrella cover. It applies under the liability section of our policy. It has the following features:

  • Limit per vehicle: The standard TPPD plus the required ETPPD limit on the vehicle;
  • Limit per claim: A single claim may exhaust the maximum TPPD payable on the policy;
  • Maximum TPPD Payable: Standard TPPD plus ETPPD;
  • Premium Rate: A flat rate of 2% for private per vehicle limit and where the number of vehicles exceeds 20, a rate of 1.5% will be charged.



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