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Motor vehicle insurance relates to mechanically propelled vehicle running on the road of Mauritius and Rodrigues. Legal
liability for all vehicle users is subject to the Road Traffic Ordinance 1962.
"Everyone knows where to get cheap Motor Insurance and Mauritian Eagle will not pretend that we can always offer you
the very lowest price on every occasion. Quality is provided in terms of advice you will receive, the service that is
provided during the course of the Policy and perhaps when it is most important should a claim arise."
Mauritian Eagle feature the following types of Motor Insurance products :
- Private Car
- Commercial Vehicle
- Motor Cycle
- Motor Passenger Injury
The undermentioned are some guidelines that are taken in consideration for selection of a policy :
How are motor insurance premiums calculated
Premiums vary between individuals because they are calculated based upon a large number of criteria, i.e. the driver's
age, experience, driving record, occupation, the type of vehicle and the insurance group that it fits into, where it is
kept, the uses it is put to and the type of cover required.
When buying motor insurance one must give the insurer full information. It it is an offence under the Road Traffic Act
to make a false statement or withhold information for the purposes of obtaining a certificate of motor insurance and it
may also invalidate your policy.
What does excess and voluntary excess mean
Excesses are the amounts of a claim that one has to pay.
In the case of a third party fire and theft policy, your insurers will not pay the first excess amount of either a fire
or theft claim. An excess does not apply to the third party aspect.
With a comprehensive policy, most insurers will not pay the first excess amount in respect of anyone accident.
Excesses may be increased due to the type of car you are driving, i.e. sports or high performance.
In some cases you may elect to pay a voluntary additional excess for a reduction in the premium.
What does no claims bonus mean
No claims bonuses are awarded according to the number of years you have held car insurance in your own name and have
not claimed for any accidents, fires or thefts. Discounts do vary from insurer to insurer but usually range from 30%
for one claim free year up to 70% or more after four or five years.
What are the different types of cover available
The Road Traffic Act requires that anyone who uses a motor vehicle on the public highway must have cover for liability
for death or bodily injury to a third party (including passengers), and cover for liability for damage to third party
property caused by an accident involving the vehicle. This type of cover is usually only used where an insurer feels
that a driver's record is so bad or else that the vehicle is so old, that this is the maximum cover the insurer is
prepared to grant.
The most commonly selected form of cover is Comprehensive which covers the insured's vehicle for accidental damage in
addition to the third party fire and theft risks.
Mauritian Eagle feature the following covers :
Third Party Only
Covers your legal Liability for death of or bodily injury to third parties, damage to properties belonging to third
parties.
Third Party & Fire
Extends third party only cover to include own damage caused by fire.
Comprehensive
Gives you protection if your vehicle suffers accidental loss (including theft) or damage, or if you cause damage to
another person's property or cause bodily injury to third parties.
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