MOTOR INSURANCE

MOTOR INSURANCE

Motor Insurance provides financial protection for vehicle owners against various risks, including accidents, theft, and third-party liabilities. At Capital Express Indemnity Insurance, we offer a range of motor insurance products designed to meet the needs of both private and commercial vehicle owners.

Motor Insurance

commercial use

Designed specifically for vehicles used for business purposes, this insurance covers a wide range of commercial vehicles, including trucks, vans, and company cars.

Motor Insurance

private use

Tailored for personal vehicles, this insurance ensures that private car owners have adequate protection against various risks.

Our Motor Insurance Options

Third-Party Motor Insurance

A basic insurance product that covers legal liabilities to third parties in the event of death, bodily injury, or property damage involving the insured vehicle.

Key Features:

  • Coverage for third-party death and bodily injury.
  • Protection against third-party property damage.
  • Legal liability coverage.
  • Affordable premium rates.
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Third-Party Fire and Theft

An insurance product that provides third-party liability coverage along with protection against fire damage and theft of the insured vehicle.

Key Features:

  • Third-party liability coverage.
  • Compensation for vehicle theft.
  • Protection against fire damage.
  • Extended coverage for peace of mind.
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Standard Comprehensive Motor Insurance

A comprehensive insurance product that covers damages to your vehicle and third-party liabilities. This plan also provides protection against theft, fire, and accidental damage.

Key Features:

  • Coverage for vehicle damage due to accidents.
  • Third-party liability protection.
  • Theft and fire damage coverage.
  • Personal accident cover for the driver.
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Extended Comprehensive Motor Insurance

An enhanced version of the comprehensive insurance that offers increased coverage limits and additional benefits, such as excess buyback and coverage for riots and civil commotion without extra charge.

Key Features:

  • Increased third-party damage cover up to ₦2,000,000.
  • Unlimited cover for third-party bodily injury and death.
  • Free personal accident cover of ₦500,000.
  • Coverage for riots and civil commotion at no extra charge.
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GOODS IN TRANSIT (GIT) ALL-RISK

This is an all risk policy which covers loss or damage to goods whilst in transit by road, rail or inland waters within the geographical limit of Nigeria. It covers collison, overturning, or fire to the conveying vehicle.

RESTRICTED COVER
This covers loss or damage from natural perils like fire, accidental collision impact, overturning of the conveying vehicle or theft following accidental collision, or overturning of the vehicle.

Features

The policy covers loss or damage caused by accidents or misfortune.
The coverage applies while the items are in transit as described in the schedule.
The coverage extends to the period while the items are being loaded or unloaded from a conveying vehicle.
The policy also covers items that are temporarily housed during the ordinary course of transit.

Benefits

Provides financial compensation for items lost in transit due to fire, explosion, accident and theft
Option for replacement of insured goods can be replaced if stolen
Covers damages to goods in transit arising from accidents
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