CAR INSURANCE

By virtue of being a car owner, you may liable for damage caused to a third party.

This applies for:

• Running over a pedestrian;
• Destroying a building or any property belonging to others;
• Loss caused to a third party due to collision with your car;
• Loss caused to a third party due to your car on fire.

This package does not cover personal injuries and/or material losses which you may suffer when you are responsible for the accident.

To subscribe or for further details, please contact us.

The “Full Coverage” package is limited to new vehicles, less than 3 years old. It provides the following warranties:

• Civil Liability
• Full Accidental Damage

SAAR will repair the damages caused to the insured vehicle, as well as the accessories and spare parts which the manufacturer’s catalogue had foreseen delivery simultaneously with the vehicle. Such damages will be effectively repaired if they result either from a collision with another vehicle, or an impact against a fixed or moving object, or a rollover without prior collision, or a fall into ravines or water courses. Your vehicle must be at most three (3) years old.

• Fire or Explosion

SAAR will repair the damages caused to the insured vehicle, as well as the accessories and spare parts which the manufacturer’s catalogue had foreseen delivery simultaneously with the vehicle. Such damages will be effectively repaired if they result either from a collision with another vehicle, or fire, or lightning strike, or explosion or spontaneous combustion.

• Partial Theft and Theft of Insured Vehicle

SAAR guarantees the repair of damage resulting from:

1. the disappearance or the deterioration of the insured vehicle, after the theft or an attempted theft of the car;
   “Attempted theft” here refers to the start of execution of theft, characterized by a set of clear and consistent evidence, which corroborates the intent of thieves and comprises physical traces on the vehicle.
2. the disappearance of accessories and spare parts stolen separately when theft was committed by breaking or climbing into sheds and garages or with physical violence;
3. the costs legitimately incurred by the insured with the consent of the insurer for the recovery of the stolen insured vehicle.

• Robbery

Under this insurance, SAAR guarantees compensation for damage resulting from car robbery. Robbery is considered an act of banditry.

• Breakage of Glasses, Windshield, Head and Tail Lamps

SAAR guarantees compensation for damages resulting or not from an accident, caused to the windshield, side mirrors, rear mirror, headlamps and tail lamps.

• Driver’s Personal Accident (DPA) / Passengers’ Personal Accident (PPA)

In case of an accident, SAAR will guarantee compensation for passengers on board the insured vehicle. This offer guarantees the payment of benefits provided for:

1. death;
2. total or partial permanent disability;
3. treatment costs.

Under this contract, accident refers to any unintentional bodily injury suffered by the victim and arising from the sudden action of an external cause.

• Assistance

This covers the towing of the vehicle from the accident site to the nearest authorised garage, or its on-site repair. It also offers road unworthiness assistance through the provision of a temporary replacement vehicle when the vehicle repair requires a long period.

• Defence and Appeal (DA)
  • Defence

SAAR undertakes to cover the expenses relating to the legal defence of the insured before competent courts where the insured is prosecuted following an incident covered under the civil liability warranty.

• • Appeal

SAAR commits to appeal for amicable reparation of bodily injury and material losses incurred following an accident involving the insured vehicle and caused by:

1. An identified responsible third party;
2. A driver (at fault, and without a driver’s licence or using the vehicle without the knowledge of its owner).

To subscribe or for further details, please contact us.

The “SAAR Automobile Assistance” package applies for vehicles older than 3 (three) years. In contrast with the Full Coverage insurance package.

To benefit from this coverage, you should have previously subscribed to one of the schemes below:

Scheme 1: Civil Liability + Fire + Theft.

Scheme 2: Civil Liability + Fire + Glass Breakage.

Under any of these schemes, you will be entitled to the following additional warranties:

• Repair of your vehicle worth between CFAF 750.000 and CFAF 5.500.000;
• Towing of your vehicle from the place of accident to the nearest authorized garage;
• Immobilisation assistance up to 14 (fourteen) days.

The insurance premium shall depend on the market value of the vehicle and the selected assistance capital.

To subscribe or for further details, please contact us.

As a result of a road accident, leading to the hospitalization of the driver:

• a compensation of CFAF 30.000 shall be paid per day of hospitalization, beginning from day 2 (Two) up to 60 (Sixty) days;
• a capital of CFAF 1.000.000 shall be paid in case of Permanent Total Disability (PTD) of the car driver;
• a capital of CFAF 1.000.000 shall be paid to the beneficiaries in the event of death of the driver, due to the accident.

Any owner of a driver’s licence.
Any employer on behalf of its company drivers.

The yearly premium stands at CFAF 10.000!

To subscribe or for further details, please contact us.