Frequently Asked Questions

We help you stay ahead and informed with these helpful answers on protecting yourself, your home, business and more.

Motor Claims – General

Why did my insurer pay my claim to the credit / leasing / hire-purchase company when I have paid the premium?

Your policy is subject to an endorsement 15 i.e. Hire Purchase. Under the Motor Policy, the credit/leasing/hire purchase company, as the owner of the vehicle, has first right to compensation from the insurance company for loss (that is not made good by repair, reinstatement or replacement) to the insured vehicle.

Recent FAQ

Do I have to pay an excess if my car has been stolen?

Yes, you still do. But you will only need to pay your basic excess...

Motor Claims – General

What are the claim options available in the motor policy?

Own Damage Claim
Own Damage Not at Fault (OD-KFK Claim)
Windscreen Claim
Theft Claim
Third Party Property Damage Claim
Third Party Bodily...

If I need an ambulance, can Total Assist help me?

Yes, we can. However, we recommend contacting MERS 999 if you are dealing with an emergency and...