Comprehensive insurance offers the greatest peace of mind to vehicle owners. It covers the repair or replacement of your vehicle for events including theft, collision, fire, malicious damage and weather-related damage. Apart from that, it can also cover the repair and replacement of any other vehicles that are damaged by your vehicle in an accident, and damage to property.
However, comprehensive insurance does not cover the person driving (Driver) at the time of an accident in a STANDARD comprehensive motor insurance policy. Terms and Conditions apply for the driver to be included.
FOR EXAMPLE
Mr. Kabaso Ngoza Mwelwa Nonde an Employee at Nzelu Niweka Pa Zed International Investments Ltd had insured his car comprehensively. One day whilst going for work with two of his colleagues, they were involved in a single car accident and all the vehicle occupants sustained major injuries.Mr. Kabaso Ngoza Mwelwa Nonde's legs were severely injured such that they had to cut both of them.
The Insurance Company could only compensate two of his Colleagues who were passengers and not Mr. Kabaso Ngoza Mwelwa Nonde who was driving at the time of the accident.
SOLUTION
What Mr. Kabaso Ngoza Mwelwa Nonde should have done after getting His Comprehensive Motor Insurance was to get a Personal Accident Policy as an additional cover.
A Personal Accident Insurance policy offers financial compensation in the event of bodily injuries leading to total/partial disability or death caused due to accidents. This policy ensures the financial stability of an individual and his family if he/she gets injured or unfortunately dies in an accident.
Personal Accident Insurance offers you the following;
1 Accident coverage in the event of accidental injury or death,
2 Death or permanent disability - the policy will provide a lump sum payout to your beneficiaries
3 Temporary disability preventing you from engaging or working normally as before.
You should always check with your insurer on what options you can take. Each Insurance company has different Products which they have tailored to meet their client’s needs (within the law of course).
Until Next Time!
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