With the notably uprising risks on our roads, needless pain and suffering can be eliminated with Medgulf's comprehensive insurance policies.
The different packages can cover private and commercial vehicles, including third party liability, with personal accident benefits for both the drivers and passengers.
These policies can be protracted to include an obligatory policy which can be used for Lebanon's official yearly inspection.
Flexible coverage options are available with the later packages:
SILVER
- Vehicle Model: Not more than 15 years since manufactured
- Third Party/Material Damage up to USD 500,000
- Depreciation on Spare Parts / Car Parts: NO DEPRECIATION will be applied for the 1st year & increase 5% for each additional year
- Deductible on Scratching & Denting (scratching & denting NOT COVERED)
- 15% Deductible on Total Loss Basis
- Replacement Car Benefit
- Minimum Premium: USD 350 (US$400)
- Towing service: Unlimited Frequency & Distance for road accidents & 2 times Mechanical Breakdowns
GOLD (excluding dealer repair)
- Vehicle Model: Not more than 15 years since manufactured
- Third Party/Material Damage up to USD 1,000,000
- No Depreciation on Spare Parts / Car Parts NO DEPRECIATION will be applied for the 1st five years & a 5% increase for each additional year
- No Deductible on Scratching & Denting
- 10% Deductible on Total Loss Basis
- Replacement Car Benefit
- Registration Fees: 3% of car value
- SRCC
- Natural Perils
- Dealer Repair Benefit (2020 till 2023) (NO DEALER REPAIR)
- Partial Theft Benefit
- Minimum Premium: USD 450 (US$500)
- TOWING SERVICE: Unlimited Distance & Frequency for road accidents & Mechanical breakdowns
PLATINUM (including dealer repair)
- Vehicle Model: Not more than 15 years since manufactured, not more than 7 years old
- No Depreciation on Spare Parts / Car Parts NO DEPRECIATION will be applied for the 1st five years & a 5% increase for each additional year
- Natural Hazards up to car value up to 10% of vehicle value max. $20,000
- Registration Fees: 7.5%
- Partial Theft
- SCRATCHING & DENTING COVERED
- Minimum Premium: NO MINIMUM PREMIUM (US$600)
- TOWING SERVICE: Unlimited Distance & Frequency for road accidents & Mechanical breakdowns
THIRD PARTY LIABILITY / MATERIAL DAMAGE - BODILY INJURY
- Driving a car on public roads can result in harm to people or damage to property
- Insurance coverage is essential to address liability in accordance with local laws
- The coverage applies regardless of whether the driver is a family member or an employee of the vehicle’s owner
- Different plans are available according to the coverage limit and benefits
COMMERCIAL - MINI VANS (RAPID, KONGO & THE LIKE)
- Vehicle Model: Not more than 8 years since manufactured
- Third Party/Material Damage up to USD 100,000
- Depreciation on Spare Parts / Car Parts Depreciation/Deductible on New Spare Parts: 10% for cars aged 1 year & 5% increase for each additional year, maximum 50%
- Scratching & Denting not covered
- 15% Deductible on Total Loss Basis
- Minimum Premium: USD 600
- TOWING SERVICE: up to 100 Km for only 2 times mechanical and 2 times distance & frequency due to a road accident
TOTAL LOSS
- Vehicles Model: Not more than 18 years since manufactured
- Third Party/Material Damage up to USD 100,000
- Depreciation on Spare Parts / Car Parts Depreciation/ Deductible: 2% each month of brand-new car with a minimum of 15%, 2nd year & above, market value or insured value, whichever is less
- 15% Deductible on Total Loss Basis
- Minimum Premium: USD200
- TOWING SERVICE: up to 100 Km for only 2 times mechanical and 2 times distance & frequency due to a road accident
ORANGE CARD
The Orange card is a Third-Party Liability Motor Insurance, covering accidents in Arab countries including Algeria, Bahrain, Egypt, Iraq, Jordan, Kuwait, Libya, Morocco, Qatar, Tunisia and the UAE, according to the compulsory insurance laws of each participating country. The Orange Card tariffs are pre-set by ACAL (Association des Companies d'Assurance au Liban) Arab United Office and managed by ACAL.
