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If you live on this beautiful island or intend to move here and have a car, there are different types of Mauritius car insurance. There is the private insurance that protects your car against liability and also covers the repairs’ costs. This Mauritius car insurance includes the damage or loss suffered by your car from malicious acts, theft and burglary, lightning, self-ignition, explosion, fire, overturning or accidental collision. The insurance also includes the liability to third parties for bodily injury, property damage, including the vehicle’s passengers and not including the household’s members and insured’s employees. The Mauritius car insurance provides basic cover for the occupants of the car, offering payments of benefits for permanent disablement, death, as well as the refunding of the medical expenses that situates in the specified limits.
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You can extend your private Mauritius car insurance, to premium, at your request.
This covers damages from floods and cyclones, civil commotion, riots and strikes, loss of use (an every day specified payment for each day of repairs) and higher sum insured limits under the cover of personal accidents, for the occupants of the car).
There is also the complimentary service that offers 24 hour assistance in case of accident or breakdown. There can be a third party only restricted cover to cover the liability towards the third parties.
And there is also the third party cover that extends to cover the damages caused by fire to your car.
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In case of accident, you have to announce your Mauritius car insurance company about it, in order to enable them to deal with the claim quick and properly. Then you have to inform the police about the accident, notify the insurance company of your claim by phone or writing them as soon as possible, in at most 5 days of the event’s occurrence.
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The claim can be done by you personally at the office of the insurance company. You will be assisted by their staff, to fill in the claim form and you will also be advised about the next procedures.
The car’s driver has to bring the driving licence when coming to the office. If it’s necessary, you have to keep the car away of further damages or loss.
Don’t incur repair costs before having the Mauritius car insurance company’s approval. In case of urgent repairs for preventing the further loss, you have to keep all the receipts to show the costs. The damaged car has to be preserved for inspection and you have to send the claims you receive from the third party involved in the accident, to the insurance company, with no delay.
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If your car is damaged or loss, the company will repair the car at a garage you chose or at one of their nominated repairers, based on your vehicle age and pre-accident condition.
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