Fleet - Motor Insurance

Fleet - Motor Insurance

What is a car insurance policy?

A motor insurance policy protects your motor vehicle from unforeseen risks and secures it against an accident or loss, theft and third party liabilities. A car owner pays yearly premiums to a motor insurance company, and the insurer pays the claim in case of any damage to the vehicle due to accident.

  1. 1 dedicated garage for every 14* customers claims
  2. Instant motor claims through our Insure app
  3. 24x7 customer support Call centreChat273* branches
  4. We have a network of 50+ cashless garages*

What are the different types of car insurance policies?

  1. Private car package policy

A comprehensive car insurance policy offers complete protection to the owner-driver. It covers not only the costs incurred on damages to a third party but also the damages to your car. This policy type also covers car theft and damages caused by fire, burglary and natural disasters.

  1. Stand-alone own-damage car insurance

With our stand-alone own-damage car insurance, you are covered for damages to your car. These could be due to natural disasters like earthquake, flood, cyclone, landslide, etc. or due to man-made disasters like theft, burglary, riot, strike, etc.

  1. Third party car insurance

In this type of insurance policy, the owner is covered against legal liabilities arising out of an accident. Under this type of car insurance policy, if your car causes injuries to a third party or damages surrounding property then the expenses will be taken care of by your insurer.

 

What is covered by AGI car insurance policy?

  1. Loss or damage to your motor vehicle due to natural disasters:

Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.

  1. Personal accident cover:

AFN 5 lakh cover for the registered owner-driver while travelling in, mounting or dismounting from the car. Optional individual accident covers for co-passengers are also available.

  1. Loss or harm to your car against man-made disasters:

Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.

  1. Third party legal liability:

Protection against legal liability due to accidental damages resulting in the injury or death of a person, and damage caused to the surrounding property.

 

What are the events covered in AGI motor insurance policy?

Our policy is a comprehensive vehicle insurance plan, which offers you coverage for:

  • Any loss or damage to your car
  • Third party liability
  • Any permanent injury to or death of a person caused by your insured car
  • Any damage caused to the property other than property belonging to the insured or held in trust or in custody or control of insured by your car
  • A personal accident cover for the registered owner-driver of the car while he is driving

In case of loss or damage to the car or the accessories insured, we cover your expenses if the accident occurs due to the following hazards:

  • Fire, explosion, self-ignition or lightning
  • Burglary, housebreaking or theft
  • Riot and strike
  • Earthquake (fire and shock damage)
  • Flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost
  • Accident by external means
  • Malicious act
  • Terrorist activity
  • While in transit by road, rail, inland waterway, lift, elevator or air
  • Landslide and rockslide

Is my No Claim Bonus (NCB) transferable?

Yes, in case you are the customer of AGI, or are switching to AGI from any other insurance company, and have accrued some NCB from your previous insurer, you can get the same transferred in case the car is insured within 90 days of your renewal due date. The same applies if you are switching from AGI to other insurance company.

What is a cashless claim and a non-cashless or reimbursement claim?

Cashless claim: In cashless claim facility, the repair charges of the car are directly paid to the garage by us, provided the car is repaired in our garage network.

Non-cashless or reimbursement claim: If the car is repaired in a garage outside the purview of our network, then you will be liable to pay the repair charges of the garage. You can get your claim amount reimbursed by submitting the original bills and payment receipts to our office.

When should I report to the police?

Incidents such as ‘Third Party Property Damage’, ‘Bodily Injury to Self or Third Party’ or ‘Theft’ should be reported to the nearest police station as early as possible, under whose jurisdiction the incident has occurred.

How do I register my claim?

Contact our helpline 0202204420 to register your claim and get a claim number or reference number. You can also directly register your claim online*, with our Lodge a Motor Claim service.

Claim on us: 1. 2.. 3… 

  1. Intimate
  2. Survey & Verify
  3. Settle

What are the different modes of payment on afghanglobalinsurance.com?

You can choose between 6 payment options to pay your premium online:

  • Credit Card - Make secure premium payment with your VISA or Master card.
  • Debit Card - Just enter your any of the other approved bank’s Debit Card details to pay your insurance premium directly.
  • Cheque or Demand Draft: You can send a Cheque or Demand Draft by courier to our office address.
  • Cash (In case of prior approval)
  • Bank Transfer – Bank to bank official accounts transfer

Call our experts +93 (0) 70 8733 333 (or send us email)