Motor (private, commercial, fleet)

Our Private Motor Car Policy from Guardian General Insurance, MotorGuard®, is designed for today’s drivers. This policy is versatile enough to provide coverage for Third Party, Third Party Fire and Theft and Comprehensive.

Third-Party Coverage:- This covers your liability for bodily injury to third parties and damage to third party property. If you have to face a claim for accidental bodily injury to another person or for damage to their property, as a result of negligence arising out of the use of your motor vehicle, we will pay any damages up to the limits on the policy selected by you.

Comprehensive:- This policy covers Third Party Liability, Fire and Theft and Accidental damage to your vehicle. In addition to Third Party Cover and Fire and Theft, it provides cover for loss of or damage, accessories, and spare parts while on the vehicle and the

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cost of wrecking or towing services. Comprehensive policyholders have automatic free benefits under the policy.

  • Damage to garage by fire
  • Medical expenses
  • Personal accident cover to you and your spouse
  • Luggage and personal effects
  • Optional extra benefits can also be purchased
  • Special perils
  • Windscreen
  • Personal accident to unnamed passengers
  • Courtesy car/Loss of use
  • Agreed value
  • Hospitalization
  • Increased legal expenses – manslaughter
  • Increase third party limits of liability
  • Waiver of excess


You can also benefit from Motor Assist®. Our 24-hour roadside assistance comes FREE as a corporate service for all qualified motor policyholders. Private and commercial vehicles up to 3 tons MGW are eligible for Motor Assist®. Every qualified insurance vehicle is allowed a maximum of three (3) callouts per calendar year.

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