Vehicle insurance is insurance for cars, trucks, motor cycles and other road vehicles. It includes coverage for the damage or others which affect the insured vehicle.
It depends on the market value of the vehicle.
There are different types of vehicle insurance
Comprehensive Insurance Policy
The comprehensive insurance covers the damage or loss which affects the insured vehicle, and its parts in the following situations:
Third party insurance (compulsory insurance)
Offers the minimum legal level of vehicle insurance cover and is the most basic insurance you’re able to get:
According to this policy, and in case an accident occurs as a result of using the insured vehicle, the company is committed to indemnifying the insured (within the responsibility agreed upon between the two parties for the amount the insured is committed to paying legally for the damaged done to any person, other than the insured or the drivers, who is exposed to damage because of an accident resulting from the use of the vehicle, this coverage includes death, bodily and moral injuries to others.
This policy does not cover loss or damage or accidents of the vehicle outside the geographical area specified in this policy unless otherwise stipulated clearly in a special appendix to specifying the geographical area.
Procedures to be followed for vehicle insurance policy:
Third party insurance policy issuing shall be made through Islamic insurance branches and offices spread all over the Sudan, as well as the automatic vehicle test centers at the company offices.
The Comprehensive Insurance Policy Procedures:
This type of insurance is requested from the company directly or through company representative or agents. The application includes questions about the owner of the vehicle, and the data of the car, the company shall conduct detection on the car for safety and fixing of the damage on the structure.
Procedures to be followed in the event the insured car meets with an accident
In this regards, Islamic Insurance Company is considered the best one in settling claims and paying them, according to reports of insurance adjuster.