Motor Insurance

Key features

Comprehensive Motor Insurance compensates for all the damages incurred in a particular accident, including the owner’s vehicle and the damage caused to the Third Party. This insurance also covers damages to your motor vehicle caused by fire, natural disasters, malicious damages, and cost for the transportation of the damaged vehicle up to the limit specified.

Third-Party Motor Insurance covers liability for the damages caused to the Third Party during an accident which the owner is legally liable.

Type of coverage

Comprehensive Motor Insurance Including theft or Excluding theft
Third Party Motor Liability Insurance

The table below represents the benefits provided under these policies.

Coverage	Third-Party Only	Comprehensive Excluding Theft	Comprehensive Including Theft
Third-Party Property Damage	YES	YES	YES
Third-Party Bodily Injury and Death	YES	YES	YES
Property Damage to the owner’s vehicle	NO	YES	YES
Bodily Injury and Death to the driver	NO	YES	YES
Theft	NO	NO	YES

Compensation	Third-Party Only	Comprehensive Excluding Theft	Comprehensive Including Theft
Third-Party Property Damage	Up to 40,000.00	Up to 40,000.00	Up to 40,000.00
Third-Party Bodily Injury and Death	Up to 60,000.00	Up to 60,000.00	Up to 60,000.00
Property Damage to the owner’s vehicle	Not Applicable	Up to vehicle value	Up to vehicle value

What can be covered?

Loss or damage caused:

By accidental collision or overturning,
By collision or overturning caused by mechanical breakdown,
By collision or overturning caused by wear and tear,
By impact damage caused by falling objects
If the loss or damage is directly or indirectly caused by or contributed to by or arising from flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake,
By a landslide, landslip, subsidence or sinking of the soil/earth or other convulsion of nature is involved
By fire, explosion or lightning,
By malicious act,
By Burglary/Theft

When in transit (including its loading and unloading) by:

Road
Direct sea route between Male’ and Hulhumale’

Minimum details to get a quote (Comprehensive)

Insured Details
Vehicle Details including engine capacity and first registered date
Most recent photographs of the vehicle (clearly showing the registration board)

How to claim?

Inform Allied Insurance Company immediately after the incident by:

Calling customer care toll-free number 1600, or
Emailing to [email protected]

BML Insurance is underwritten by Allied Insurance & Ayady Takaful Company of the Maldives

How to apply?

For any additional queries related to any of the insurance products please contact the nearest BML branch or BML Contact Centre.

Important instructions

1. Insured should make sure that you take all necessary action to minimize the losses.

2. In the event of a fire, a collision involving a third party, burglary/theft or malicious damage claim, you must notify the police as soon as possible and obtain a police report.

3. Repair works should be carried out with our approval

4. All damaged items should be preserved for inspection

5. Do not admit liability at any point or offer to settle the claim unless you have obtained the written consent from us

Note:

The information mentioned above are non-exhaustive. Please refer to the policy contract for the full list of cover and exclusions under this policy