The private car can be used for social, domestic and pleasure purposes and also for business purposes excluding the carriage of goods other than samples by the
insured or his employees.
The Insurer undertakes to reimburse the expenses incurred for
repair/replacement against any loss or damage to the Private Car and its
insured accessories whilst thereon for the following events:
Fire, explosion, self ignition or lightning
Burglary, housebreaking or theft
Riot or strike
Earthquake (fire and shock damage)
Flood typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost
Accidental external means
Malicious act
Terrorist activity
Whilst in transit by road, rail, inland- waterway, lift, elevator or air
Land slide, rock slide
The additional Personal Accidents covers available under Private
Car policies
The various PA covers under Private Car policies are:
PA to the Owner Driver
PA to the Paid driver
PA to the Unnamed occupants
PA to the Named occupants
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