ALIG insurance in Lebanon: plans, benefits and price
The plans we compare for this insurer, from its current tariff. Premiums are computed in the calculator for your car or your family's ages.
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CAR TO CAR COLLISION
<meta charset="utf-8"><title>ALIG Car-to-Car – Benefits</title> <table role="presentation" width="100%" cellspacing="0" cellpadding="0" border="0"> <tbody><tr><td align="center" style="padding:32px 12px;"> <!-- card --> <table role="presentation" width="600" cellspacing="0" cellpadding="0" border="0" style="max-width:600px;background:#ffffff;border:1px solid #e4e8f0;border-radius:8px;"> <!-- header --> <tbody><tr><td style="background:#5b2599;color:#ffffff;padding:28px 24px;font-size:22px;font-weight:600;"> ALIG Motor — <em>Car-to-Car Plan</em> </td></tr> <!-- Core cover --> <tr><td style="padding:22px 24px 6px;font-size:16px;font-weight:600;color:#5b2599;">✓ Core Cover</td></tr> <tr><td style="padding:0 24px 18px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ <strong>Third-Party Liability</strong> – USD 500 000</li> <li>✓ <strong>Own Damage</strong> – Covered <em>(collision with another vehicle only)</em></li> <li>✓ <strong>Fire</strong> – Covered • <strong>Total Loss</strong> – Covered</li> <li>✓ <strong>Theft / Hold-Up</strong> – Covered (<u>10 % deductible</u>)</li> <li>✓ <strong>Death & PTD</strong> – USD 5 000 pp / 10 000 aggregate</li> <li>✓ <strong>Medical Expenses</strong> – USD 1 500 pp / 5 000 aggregate</li> </ul> </td></tr> <!-- Extras --> <tr><td style="padding:4px 24px;font-size:16px;font-weight:600;color:#5b2599;">✓ Additional Benefits</td></tr> <tr><td style="padding:0 24px 18px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ <strong>Free Road Assistance</strong> – Unlimited km per Accident • 7-day Mechanical/Electrical Breakdown cover*</li> <li>✓ <strong>Premium rate</strong> – 2.5 % of Sum Insured (≤ USD 99 000) • Minimum premium USD 350</li> <li>✓ <strong>Eligible vehicles</strong> – YOM 2007-2025 • Sum Ins ≤ USD 99 000 • Fuel, Hybrid & EV (BI excluded)</li> <li>✓ Plan applies only to accidents with a third-party vehicle & filed expert report</li> <li>✓ Premiums & claims settled in <strong>Fresh CASH USD</strong></li> </ul> </td></tr> <!-- Depreciation --> <tr><td style="padding:4px 24px;font-size:16px;font-weight:600;color:#5b2599;">✓ Depreciation & Deductibles</td></tr> <tr><td style="padding:0 24px 18px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ <strong>0 km cars</strong> – Agreed Value for first 12 months</li> <li>✓ <strong>Used cars</strong> – 1 %/month TL depreciation (max 10 %)</li> <li>✓ <strong>Spare-parts</strong> – 10 % first year + 5 %/yr (max 50 %)</li> <li>✓ <strong>Theft / Hold-Up</strong> – 10 % of Sum Insured / Market Value (lower applies)</li> <li>✓ <strong>TL threshold</strong> – Repairs ≥ 65 % of SI / Market Value ⇒ Total Loss</li> </ul> </td></tr> <!-- footer --> <tr><td style="background:#f1f3f7;padding:14px 24px;font-size:11px;color:#555;border-top:1px solid #e4e8f0;"> *Breakdown assistance begins at policy inception for new risks • All amounts fresh USD • Full conditions: ALIG Motor Tariff – May 2025 </td></tr> </tbody></table><!-- /card --> </td></tr> </tbody></table>
Benefits
- ✓Third Party Liability – Material Damage – USD 500,000
- ✓Own Damage – Covered – accidents between the insured car and a third-party vehicle only, duly reported to ALIG through an expert report
- ✓Total Loss & Fire – Covered
- ✓Theft / Hold-Up – Covered – 10% deductible of sum insured or market value, whichever is lower
- ✓Accidental Death & PTD (Driver & Passengers) – USD 5,000 per person / USD 10,000 aggregate
- ✓Medical Expenses (Driver & Passengers) – USD 1,500 per person / USD 5,000 aggregate
- ✕Agency Repair – Not included in the Car to Car plan
- ✕Compulsory Bodily Injury (BI) – Excluded
- ✓Free Road Assistance – Unlimited km · accident: unlimited cases per year · mechanical or electrical failure: 3 cases per year · 7-day waiting period for mechanical/electrical (from inception, new policies)
- ✕Free Crane Service – Not included (Premium and Deluxe plans only)
- ✕Scratching & Denting – Excluded
- ✕Replacement Car – Not included in the Car to Car plan
- ✕Partial Theft – Not included in the Car to Car plan
- ✕Natural Perils – Not included in the Car to Car plan
- ✕SRCC & Terrorism – Not included in the Car to Car plan
- ✕Litigation Expenses – Not included in the Car to Car plan
- ✕Registration Fees (total loss) – Not included in the Car to Car plan
- ✓Depreciation on new spare parts – 10% for the first year of manufacture + 5% per year thereafter, max 50%
- ✓Total loss indemnity – Brand new (0 km): agreed value for the first 12 months (dealer invoice required) · used vehicles: 1% depreciation per month, max 10% of sum insured or market value, whichever is lower
- ✓Eligible vehicles – Private vehicles – fuel and hybrid only (electric vehicles not eligible; excluding BI)
- ✓Sum insured / model years – Sum insured up to USD 99,000 · model years 2010-2026
- ✓Pre-cover inspection – Compulsory (by ALIG, before cover is granted)
- ✓Sum insured basis – Actual market value in fresh/cash USD, otherwise the average clause applies · dealer invoice for brand new cars, ALIG approval for used cars
- ✓Repairs – ALIG Workshop Network only (or agency workshop, if granted)
- ✓Traffic expert – ALIG-recognized traffic expert must be present at the accident scene, otherwise the claim may be rejected
- ✓Total loss threshold – Repair cost exceeds 65% of sum insured or market value, whichever is lower (following an accident or fire; ALIG network estimate)
- ✓Anti-theft requirement – Kia Sportage, Toyota FJ Cruiser & Hyundai Tucson: anti-theft alarm installation and ALIG approval
- ✓Mode of payment – 100% cash USD or international bank transfer · premium and claims settled in fresh/cash USD
- ✓Armored, collection, foreign, special & sports cars – Refer to ALIG
- ✕PPF film / vinyl wrap – Excluded unless declared (additional premium)
- ✕Pre-existing damage – Not covered (prior to enrollment at ALIG)
- ✕Road assistance exclusions – Modified, double wheel, ambulances, hearse, vehicles > 2000 KG
DELUXE
<meta charset="utf-8"><title>ALIG Deluxe – Benefits</title> <table role="presentation" width="100%" cellspacing="0" cellpadding="0" border="0"> <tbody><tr><td align="center" style="padding:32px 12px;"> <!-- card --> <table role="presentation" width="600" cellspacing="0" cellpadding="0" border="0" style="max-width:600px;background:#ffffff;border:1px solid #e4e8f0;border-radius:8px;"> <!-- header --> <tbody><tr><td style="background:#4c2ea5;color:#ffffff;padding:28px 24px;font-size:12px;font-weight:600;"> ALIG Motor All Risk – <em>Deluxe Plan</em> </td></tr> <!-- core cover --> <tr><td style="padding:22px 24px 6px;font-size:16px;font-weight:600;color:#4c2ea5;">✓ Core Cover</td></tr> <tr><td style="padding:0 24px 18px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ <strong>Own Damage / Total Loss / Fire / Theft / Hold-Up</strong> – Covered</li> <li>✓ <strong>TPL Material Damage</strong> – USD 1 000 000</li> <li>✓ <strong>Accidental Death & PTD</strong> – USD 20 000 pp / 50 000 aggregate</li> <li>✓ <strong>Medical Expenses</strong> – USD 5 000 pp / 15 000 aggregate</li> <li>✓ <strong>SRCC & Terrorism</strong> – Covered up to Sum Insured / Market Value</li> </ul> </td></tr> <!-- extra benefits --> <tr><td style="padding:4px 24px;font-size:16px;font-weight:600;color:#4c2ea5;">✓ Additional Benefits</td></tr> <tr><td style="padding:0 24px 18px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ <strong>Replacement Car (accident)</strong> – 2021-25: USD 75 / day • 2010-20: USD 50 / day - max 10 days, 3-day excess</li> <li>✓ <strong>Replacement Car (Total Loss)</strong> – 2021-25: USD 750 • 2010-20: USD 500</li> <li>✓ <strong>Partial Theft</strong> – 2021-25: USD 10 000 • 2010-20: USD 5 000</li> <li>✓ <strong>Scratching & Denting</strong> – Covered (intentional acts excluded)</li> <li>✓ <strong>Registration Fees (Total Loss)</strong> – reimbursed up to 7.5 % of Sum Insured / Market Value</li> <li>✓ <strong>Natural Perils</strong> (Hail, Storm, Tempest, Flood) – Covered up to Sum Insured / Market Value</li> <li>✓ <strong>Dealer Repair</strong> – available for eligible YOM after ALIG inspection</li> <li>✓ <strong>Roadside Assistance</strong> – Unlimited KM (accident) • 7 days for mechanical / electrical breakdown</li> <li>✓ <strong>Litigation Expenses</strong> – USD 5 000 annual aggregate</li> <li>✓ Dashboard, airbags & related components – Covered following accident</li> </ul> </td></tr> <!-- depreciation --> <tr><td style="padding:4px 24px;font-size:16px;font-weight:600;color:#4c2ea5;">✓ Depreciation & Deductibles</td></tr> <tr><td style="padding:0 24px 18px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ <strong>Total Loss (brand-new 0 km)</strong> – Agreed Value for first 12 months</li> <li>✓ <strong>Total Loss (used)</strong> – 1 %/month, max 10 % of Sum Insured / Market Value</li> <li>✓ <strong>Spare-part depreciation</strong> • 2022-25 YOM – 0 % • 2019-21 – 0 % if Agency Repair, else as below • 2015-18 – 20 % • 2010-14 – 30 %</li> <li>✓ Replacement Car benefit starts after 3-day confinement deductible</li> </ul> </td></tr> <!-- key conditions --> <tr><td style="padding:4px 24px;font-size:16px;font-weight:600;color:#4c2ea5;">✓ Key Conditions</td></tr> <tr><td style="padding:0 24px 26px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ Vehicle = Total Loss when repair cost ≥ 65 % of Sum Insured / Market Value</li> <li>✓ Repairs must be carried out at an ALIG Workshop Network facility</li> <li>✓ ALIG traffic expert must attend scene, else claim may be rejected</li> <li>✓ PPF / vinyl wrap & similar mods not covered unless declared & endorsed</li> <li>✓ Pre-existing damage excluded</li> </ul> </td></tr> <!-- footer --> <tr><td style="background:#f1f3f7;padding:14px 24px;font-size:11px;color:#555;border-top:1px solid #e4e8f0;"> All amounts fresh USD • Full wording: “ALIG Motor Tariff – May 2025” • Subject to underwriting & risk assessment </td></tr> </tbody></table><!-- /card --> </td></tr></tbody></table>
Benefits
- ✓Third Party Liability – Material Damage – USD 1,000,000
- ✓Own Damage, Total Loss & Fire – Covered
- ✓Theft / Hold-Up – Covered
- ✓Accidental Death & PTD (Driver & Passengers) – USD 20,000 per person / USD 50,000 aggregate
- ✓Medical Expenses (Driver & Passengers) – USD 5,000 per person / USD 15,000 aggregate
- ✓Airbags & Dashboard – Dashboard, airbag and related components covered following a motor vehicle accident
- ✕Agency Repair – Not included (with-agency option = DELUXE + card)
- ✕Compulsory Bodily Injury (BI) – Excluded
- ✓Replacement Car (accident) – USD 50/day (sum insured USD 25,000-49,000) · USD 35/day (under USD 25,000) · max 10 days per claim/year · 3-day deductible from the date of confinement at ALIG Workshops Network · valid rental agreement and receipt/invoice
- ✓Replacement Car (total loss) – USD 500 (sum insured USD 25,000-49,000) · USD 350 (under USD 25,000)
- ✓Partial Theft – USD 10,000 (sum insured USD 25,000-49,000) · USD 5,000 (under USD 25,000) per claim/year (standard accessories only, unless pre-declared and approved)
- ✓Scratching & Denting – Covered (excluding intentional acts) · brand new (0 km): from the first policy year · used vehicles with proof of continuity of cover under the previous policy: from the first policy year · all other vehicles: from the second policy year
- ✓Litigation Expenses – USD 5,000 annual aggregate limit (following a covered claim)
- ✓Registration Fees (total loss) – Up to 7.5% of sum insured or market value, whichever is lower (receipt for the new vehicle required)
- ✓Natural Perils – Hail, storm, tempest & flood covered up to sum insured or market value, whichever is lower
- ✓SRCC & Terrorism – Covered up to sum insured or market value, whichever is lower
- ✓Free Road Assistance – Unlimited km · accident: unlimited cases per year · mechanical or electrical failure: unlimited cases per year · 7-day waiting period for mechanical/electrical (from inception, new policies)
- ✓Free Crane Service (حاضور) – Once a policy year
- ✓Depreciation on new spare parts – 2024-2026: no depreciation · 2019-2023: no depreciation if used spare parts are not available · 2016-2018: 40% if used spare parts are not available · 2011-2015: 50% if used spare parts are not available
- ✓Total loss indemnity – Brand new (0 km): agreed value for the first 12 months (dealer invoice required) · used vehicles: 1% depreciation per month, max 10% of sum insured or market value, whichever is lower
- ✓Electric vehicles – battery depreciation – 2024-2026: no depreciation · 2011-2023: 10% per year, max 40% (following a covered claim)
- ✓Eligible vehicles – Private vehicles – fuel, hybrid and electric (excluding BI)
- ✓Sum insured / model years – Sum insured USD 1,000 – 49,000 · model years 2011-2026
- ✓Pre-cover inspection – Compulsory (by ALIG, before cover is granted)
- ✓Sum insured basis – Actual market value in fresh/cash USD, otherwise the average clause applies · dealer invoice for brand new cars, ALIG approval for used cars
- ✓Repairs – ALIG Workshop Network only
- ✓Traffic expert – ALIG-recognized traffic expert must be present at the accident scene, otherwise the claim may be rejected
- ✓Total loss threshold – Repair cost exceeds 65% of sum insured or market value, whichever is lower (following an accident, fire or natural peril; ALIG network estimate)
- ✓Anti-theft requirement – Kia Sportage, Toyota FJ Cruiser & Hyundai Tucson: anti-theft alarm installation and ALIG approval
- ✓Mode of payment – 100% cash USD or international bank transfer · premium and claims settled in fresh/cash USD
- ✓Armored, collection, foreign, special & sports cars – Refer to ALIG
- ✕PPF film / vinyl wrap – Excluded unless declared (additional premium)
- ✕Pre-existing damage – Not covered (prior to enrollment at ALIG)
- ✕Road assistance exclusions – Modified, double wheel, ambulances, hearse, vehicles > 2000 KG
- ✕Electric vehicles – exclusions – Fire due to thermal runaway, while charging or not using factory dealer sockets · mechanical/electrical/electronic failures unless caused by an accident · electrical overload from lightning on the drive battery
DELUXE +
<meta charset="utf-8"><title>ALIG Deluxe – Benefits</title> <table role="presentation" width="100%" cellspacing="0" cellpadding="0" border="0"> <tbody><tr><td align="center" style="padding:32px 12px;"> <!-- card --> <table role="presentation" width="600" cellspacing="0" cellpadding="0" border="0" style="max-width:600px;background:#ffffff;border:1px solid #e4e8f0;border-radius:8px;"> <!-- header --> <tbody><tr><td style="background:#4c2ea5;color:#ffffff;padding:28px 24px;font-size:12px;font-weight:600;"> ALIG Motor All Risk – <em>Deluxe Plan</em> </td></tr> <!-- core cover --> <tr><td style="padding:22px 24px 6px;font-size:16px;font-weight:600;color:#4c2ea5;">✓ Core Cover</td></tr> <tr><td style="padding:0 24px 18px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ <strong>Own Damage / Total Loss / Fire / Theft / Hold-Up</strong> – Covered</li> <li>✓ <strong>TPL Material Damage</strong> – USD 1 000 000</li> <li>✓ <strong>Accidental Death & PTD</strong> – USD 20 000 pp / 50 000 aggregate</li> <li>✓ <strong>Medical Expenses</strong> – USD 5 000 pp / 15 000 aggregate</li> <li>✓ <strong>SRCC & Terrorism</strong> – Covered up to Sum Insured / Market Value</li> </ul> </td></tr> <!-- extra benefits --> <tr><td style="padding:4px 24px;font-size:16px;font-weight:600;color:#4c2ea5;">✓ Additional Benefits</td></tr> <tr><td style="padding:0 24px 18px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ <strong>Replacement Car (accident)</strong> – 2021-25: USD 75 / day • 2010-20: USD 50 / day - max 10 days, 3-day excess</li> <li>✓ <strong>Replacement Car (Total Loss)</strong> – 2021-25: USD 750 • 2010-20: USD 500</li> <li>✓ <strong>Partial Theft</strong> – 2021-25: USD 10 000 • 2010-20: USD 5 000</li> <li>✓ <strong>Scratching & Denting</strong> – Covered (intentional acts excluded)</li> <li>✓ <strong>Registration Fees (Total Loss)</strong> – reimbursed up to 7.5 % of Sum Insured / Market Value</li> <li>✓ <strong>Natural Perils</strong> (Hail, Storm, Tempest, Flood) – Covered up to Sum Insured / Market Value</li> <li>✓ <strong>Dealer Repair</strong> – available for eligible YOM after ALIG inspection</li> <li>✓ <strong>Roadside Assistance</strong> – Unlimited KM (accident) • 7 days for mechanical / electrical breakdown</li> <li>✓ <strong>Litigation Expenses</strong> – USD 5 000 annual aggregate</li> <li>✓ Dashboard, airbags & related components – Covered following accident</li> </ul> </td></tr> <!-- depreciation --> <tr><td style="padding:4px 24px;font-size:16px;font-weight:600;color:#4c2ea5;">✓ Depreciation & Deductibles</td></tr> <tr><td style="padding:0 24px 18px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ <strong>Total Loss (brand-new 0 km)</strong> – Agreed Value for first 12 months</li> <li>✓ <strong>Total Loss (used)</strong> – 1 %/month, max 10 % of Sum Insured / Market Value</li> <li>✓ <strong>Spare-part depreciation</strong> • 2022-25 YOM – 0 % • 2019-21 – 0 % if Agency Repair, else as below • 2015-18 – 20 % • 2010-14 – 30 %</li> <li>✓ Replacement Car benefit starts after 3-day confinement deductible</li> </ul> </td></tr> <!-- key conditions --> <tr><td style="padding:4px 24px;font-size:16px;font-weight:600;color:#4c2ea5;">✓ Key Conditions</td></tr> <tr><td style="padding:0 24px 26px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ Vehicle = Total Loss when repair cost ≥ 65 % of Sum Insured / Market Value</li> <li>✓ Repairs must be carried out at an ALIG Workshop Network facility</li> <li>✓ ALIG traffic expert must attend scene, else claim may be rejected</li> <li>✓ PPF / vinyl wrap & similar mods not covered unless declared & endorsed</li> <li>✓ Pre-existing damage excluded</li> </ul> </td></tr> <!-- footer --> <tr><td style="background:#f1f3f7;padding:14px 24px;font-size:11px;color:#555;border-top:1px solid #e4e8f0;"> All amounts fresh USD • Full wording: “ALIG Motor Tariff – May 2025” • Subject to underwriting & risk assessment </td></tr> </tbody></table><!-- /card --> </td></tr></tbody></table>
Benefits
- ✓Third Party Liability – Material Damage – USD 1,000,000
- ✓Own Damage, Total Loss & Fire – Covered
- ✓Theft / Hold-Up – Covered
- ✓Accidental Death & PTD (Driver & Passengers) – USD 20,000 per person / USD 50,000 aggregate
- ✓Medical Expenses (Driver & Passengers) – USD 5,000 per person / USD 15,000 aggregate
- ✓Airbags & Dashboard – Dashboard, airbag and related components covered following a motor vehicle accident
- ✓Agency Repair – Covered – sum insured under USD 25,000: model years 2021-2026 · USD 25,000-49,000: model years 2019-2026 (per rate schedule), after ALIG inspection and approval
- ✕Compulsory Bodily Injury (BI) – Excluded
- ✓Replacement Car (accident) – USD 50/day (sum insured USD 25,000-49,000) · USD 35/day (under USD 25,000) · max 10 days per claim/year · 3-day deductible from the date of confinement at ALIG Workshops Network · valid rental agreement and receipt/invoice
- ✓Replacement Car (total loss) – USD 500 (sum insured USD 25,000-49,000) · USD 350 (under USD 25,000)
- ✓Partial Theft – USD 10,000 (sum insured USD 25,000-49,000) · USD 5,000 (under USD 25,000) per claim/year (standard accessories only, unless pre-declared and approved)
- ✓Scratching & Denting – Covered (excluding intentional acts) · brand new (0 km): from the first policy year · used vehicles with proof of continuity of cover under the previous policy: from the first policy year · all other vehicles: from the second policy year
- ✓Litigation Expenses – USD 5,000 annual aggregate limit (following a covered claim)
- ✓Registration Fees (total loss) – Up to 7.5% of sum insured or market value, whichever is lower (receipt for the new vehicle required)
- ✓Natural Perils – Hail, storm, tempest & flood covered up to sum insured or market value, whichever is lower
- ✓SRCC & Terrorism – Covered up to sum insured or market value, whichever is lower
- ✓Free Road Assistance – Unlimited km · accident: unlimited cases per year · mechanical or electrical failure: unlimited cases per year · 7-day waiting period for mechanical/electrical (from inception, new policies)
- ✓Free Crane Service (حاضور) – Once a policy year
- ✓Depreciation on new spare parts – 2024-2026: no depreciation · 2019-2023: no depreciation (agency repair granted)
- ✓Total loss indemnity – Brand new (0 km): agreed value for the first 12 months (dealer invoice required) · used vehicles: 1% depreciation per month, max 10% of sum insured or market value, whichever is lower
- ✓Electric vehicles – battery depreciation – 2024-2026: no depreciation · 2019-2023: no depreciation (agency repair granted)
- ✓Eligible vehicles – Private vehicles – fuel, hybrid and electric (excluding BI)
- ✓Sum insured / model years – Sum insured USD 1,000 – 24,000: model years 2021-2026 · USD 25,000 – 49,000: model years 2019-2026 (with-agency rates)
- ✓Pre-cover inspection – Compulsory (by ALIG, before cover is granted)
- ✓Sum insured basis – Actual market value in fresh/cash USD, otherwise the average clause applies · dealer invoice for brand new cars, ALIG approval for used cars
- ✓Repairs – Agency workshop (agency repair granted) or ALIG Workshop Network
- ✓Traffic expert – ALIG-recognized traffic expert must be present at the accident scene, otherwise the claim may be rejected
- ✓Total loss threshold – Repair cost exceeds 65% of sum insured or market value, whichever is lower (following an accident, fire or natural peril; ALIG network estimate)
- ✓Anti-theft requirement – Kia Sportage, Toyota FJ Cruiser & Hyundai Tucson: anti-theft alarm installation and ALIG approval
- ✓Mode of payment – 100% cash USD or international bank transfer · premium and claims settled in fresh/cash USD
- ✓Armored, collection, foreign, special & sports cars – Refer to ALIG
- ✕PPF film / vinyl wrap – Excluded unless declared (additional premium)
- ✕Pre-existing damage – Not covered (prior to enrollment at ALIG)
- ✕Road assistance exclusions – Modified, double wheel, ambulances, hearse, vehicles > 2000 KG
- ✕Electric vehicles – exclusions – Fire due to thermal runaway, while charging or not using factory dealer sockets · mechanical/electrical/electronic failures unless caused by an accident · electrical overload from lightning on the drive battery
ECONOMY PLAN
<meta charset="utf-8"><title>ALIG Economy – Benefits</title> <table role="presentation" width="100%" cellspacing="0" cellpadding="0" border="0"> <tbody><tr><td align="center" style="padding:32px 12px;"> <!-- card --> <table role="presentation" width="600" cellspacing="0" cellpadding="0" border="0" style="max-width:600px;background:#ffffff;border:1px solid #e4e8f0;border-radius:8px;"> <!-- header --> <tbody><tr><td style="background:#4c2ea5;color:#ffffff;padding:28px 24px;font-size:22px;font-weight:600;"> ALIG Motor All Risk – <em>Economy Plan</em> </td></tr> <!-- core cover --> <tr><td style="padding:22px 24px 6px;font-size:16px;font-weight:600;color:#4c2ea5;">✓ Core Cover</td></tr> <tr><td style="padding:0 24px 18px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ <strong>Own Damage / Total Loss / Fire / Theft / Hold-Up</strong> – Covered</li> <li>✓ <strong>TPL Material Damage</strong> – USD 500 000</li> <li>✓ <strong>Accidental Death & PTD</strong> – USD 7 500 pp / 22 000 aggregate</li> <li>✓ <strong>Medical Expenses</strong> – USD 2 500 pp / 10 000 aggregate</li> <li>✓ <strong>SRCC & Terrorism</strong> – Up to USD 3 000</li> </ul> </td></tr> <!-- extra benefits --> <tr><td style="padding:4px 24px;font-size:16px;font-weight:600;color:#4c2ea5;">✓ Additional Benefits</td></tr> <tr><td style="padding:0 24px 18px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ <strong>Replacement Car</strong> – USD 20 / day • max 10 days • confinement at ALIG networks</li> <li>✓ <strong>Partial Theft</strong> – Up to USD 2 500 / claim year (standard accessories)</li> <li>✓ <strong>Natural Perils</strong> – Up to USD 4 000 (hail / storm / flood)</li> <li>✓ <strong>Dash-board & Airbag components</strong> – Covered after accident</li> <li>✓ <strong>Roadside Assistance</strong> – Unlimited KM for accident • 2 rides for mechanical failure</li> <li>✓ <strong>Hold-Up / Theft deductible</strong> – 10 % of loss, min USD 100</li> </ul> </td></tr> <!-- depreciation --> <tr><td style="padding:4px 24px;font-size:16px;font-weight:600;color:#4c2ea5;">✓ Depreciation & Deductibles</td></tr> <tr><td style="padding:0 24px 18px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ <strong>Total Loss — brand new (0 km)</strong> – Agreed Value first 12 months</li> <li>✓ <strong>Total Loss — used</strong> – 1 % / month, max 10 % (of SI or MV)</li> <li>✓ <strong>Spare-part depreciation</strong><br> • 2022-25 YOM – 0 %<br> • 2010-21 – 10 % first year of make + 5 % every extra year (ceiling 50 %)</li> <li>✓ <strong>EV battery</strong> – 0 % (2022-25) • else 10 % / year up to 30 %</li> </ul> </td></tr> <!-- key conditions --> <tr><td style="padding:4px 24px;font-size:16px;font-weight:600;color:#4c2ea5;">✓ Key Conditions</td></tr> <tr><td style="padding:0 24px 26px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ Vehicle = Total Loss when repair cost ≥ 65 % of Sum Insured / Market Value</li> <li>✓ Repairs only at ALIG Workshop Network (or agency if endorsed)</li> <li>✓ ALIG traffic expert presence mandatory on-site; else claim may be declined</li> <li>✓ Scratching & Denting intentionally excluded (not covered)</li> <li>✓ PPF / Vinyl / custom styling excluded unless declared & rated</li> <li>✓ No cover for modified, double-wheel, ambulance, hearse, vehicles > 2 000 kg</li> </ul> </td></tr> <!-- footer --> <tr><td style="background:#f1f3f7;padding:14px 24px;font-size:11px;color:#555;border-top:1px solid #e4e8f0;"> All amounts fresh USD • Source: “ALIG Motor Tariff – May 2025 (Economy)” • Terms subject to underwriting </td></tr> </tbody></table><!-- /card --> </td></tr></tbody></table>
Benefits
- ✓Third Party Liability – Material Damage – USD 500,000
- ✓Own Damage, Total Loss & Fire – Covered
- ✓Theft / Hold-Up – Covered – 10% deductible of sum insured or market value, whichever is lower
- ✓Accidental Death & PTD (Driver & Passengers) – USD 7,500 per person / USD 22,000 aggregate
- ✓Medical Expenses (Driver & Passengers) – USD 2,500 per person / USD 10,000 aggregate
- ✓Airbags & Dashboard – Dashboard, airbag and related components covered following a motor vehicle accident
- ✕Agency Repair – Excluded
- ✕Compulsory Bodily Injury (BI) – Excluded
- ✓Replacement Car (accident) – USD 20/day · max 10 days per claim/year · 3-day deductible from the date of confinement at ALIG Workshops Network · valid rental agreement and receipt/invoice
- ✕Replacement Car (total loss) – Not included in the Economy plan
- ✓Partial Theft – Up to USD 2,500 per claim/year (standard accessories only, unless pre-declared and approved) · 10% deductible of the claim amount, min USD 100
- ✕Scratching & Denting – Excluded
- ✓Natural Perils – Hail, storm, tempest & flood up to a maximum of USD 4,000
- ✓SRCC & Terrorism – Up to a maximum of USD 3,000
- ✕Litigation Expenses – Not included in the Economy plan
- ✕Registration Fees (total loss) – Not included in the Economy plan
- ✓Free Road Assistance – Unlimited km · accident: unlimited cases per year · mechanical or electrical failure: 3 cases per year · 7-day waiting period for mechanical/electrical (from inception, new policies)
- ✕Free Crane Service – Not included (Premium and Deluxe plans only)
- ✓Depreciation on new spare parts – 2024-2026: no depreciation · 2010-2023: 10% for the first year of manufacture + 5% per year thereafter, max 50%
- ✓Total loss indemnity – Brand new (0 km): agreed value for the first 12 months (dealer invoice required) · used vehicles: 1% depreciation per month, max 10% of sum insured or market value, whichever is lower
- ✓Electric vehicles – battery depreciation – 2024-2026: no depreciation · 2010-2023: 10% per year, max 40% (following a covered claim)
- ✓Eligible vehicles – Private vehicles – fuel, hybrid and electric (excluding BI)
- ✓Sum insured / model years – Sum insured USD 1,000 – 49,000 · model years 2010-2026
- ✓Pre-cover inspection – Compulsory (by ALIG, before cover is granted)
- ✓Sum insured basis – Actual market value in fresh/cash USD, otherwise the average clause applies · dealer invoice for brand new cars, ALIG approval for used cars
- ✓Repairs – ALIG Workshop Network only (agency repair excluded)
- ✓Traffic expert – ALIG-recognized traffic expert must be present at the accident scene, otherwise the claim may be rejected
- ✓Total loss threshold – Repair cost exceeds 65% of sum insured or market value, whichever is lower (following an accident or fire; ALIG network estimate)
- ✓Anti-theft requirement – Kia Sportage, Toyota FJ Cruiser & Hyundai Tucson: anti-theft alarm installation and ALIG approval
- ✓Mode of payment – 100% cash USD or international bank transfer · premium and claims settled in fresh/cash USD
- ✓Armored, collection, foreign, special & sports cars – Refer to ALIG
- ✕PPF film / vinyl wrap – Excluded unless declared (additional premium)
- ✕Pre-existing damage – Not covered (prior to enrollment at ALIG)
- ✕Road assistance exclusions – Modified, double wheel, ambulances, hearse, vehicles > 2000 KG
- ✕Electric vehicles – exclusions – Fire due to thermal runaway, while charging or not using factory dealer sockets · mechanical/electrical/electronic failures unless caused by an accident · electrical overload from lightning on the drive battery
PREMIUM +
<meta charset="utf-8"><title>ALIG Premium – Benefits</title> <table role="presentation" width="100%" cellspacing="0" cellpadding="0" border="0"> <tbody><tr><td align="center" style="padding:32px 12px;"> <!-- card --> <table role="presentation" width="600" cellspacing="0" cellpadding="0" border="0" style="max-width:600px;background:#ffffff;border:1px solid #e4e8f0;border-radius:8px;"> <!-- header --> <tbody><tr><td style="background:#4c2ea5;color:#ffffff;padding:28px 24px;font-size:22px;font-weight:600;"> ALIG Motor All Risk – <em>Premium Plan</em> </td></tr> <!-- core cover --> <tr><td style="padding:22px 24px 6px;font-size:16px;font-weight:600;color:#4c2ea5;">✓ Core Cover</td></tr> <tr><td style="padding:0 24px 18px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ <strong>Own Damage / Total Loss / Fire / Theft / Hold-Up</strong> – Covered</li> <li>✓ <strong>TPL Material Damage</strong> – USD 1 000 000</li> <li>✓ <strong>Accidental Death & PTD</strong> – USD 25 000 pp / 50 000 aggregate</li> <li>✓ <strong>Medical Expenses</strong> – USD 10 000 pp / 25 000 aggregate</li> <li>✓ <strong>SRCC & Terrorism</strong> – Covered up to Sum Insured / Market Value</li> </ul> </td></tr> <!-- extra benefits --> <tr><td style="padding:4px 24px;font-size:16px;font-weight:600;color:#4c2ea5;">✓ Additional Benefits</td></tr> <tr><td style="padding:0 24px 18px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ <strong>Replacement Car (accident)</strong> – USD 100 / day • max 10 days (3-day excess)</li> <li>✓ <strong>Replacement Car (Total Loss)</strong> – USD 1 000 lump-sum</li> <li>✓ <strong>Partial Theft</strong> – up to USD 10 000 / claim year</li> <li>✓ <strong>Scratching & Denting</strong> – Covered (intentional acts excluded)</li> <li>✓ <strong>Registration Fees (TL)</strong> – reimbursed up to 7.5 % of Sum Insured / Market Value</li> <li>✓ <strong>Natural Perils</strong> – Covered up to Sum Insured / Market Value</li> <li>✓ <strong>Dashboard / Airbag components</strong> – Covered after accident</li> <li>✓ <strong>Dealer Repair</strong> – available for approved YOM after ALIG inspection</li> <li>✓ <strong>Litigation Expenses</strong> – USD 5 000 annual aggregate</li> <li>✓ <strong>Roadside Assistance</strong> – Unlimited KM (accident) • 7 days for mech./electrical breakdown</li> </ul> </td></tr> <!-- depreciation --> <tr><td style="padding:4px 24px;font-size:16px;font-weight:600;color:#4c2ea5;">✓ Depreciation & Deductibles</td></tr> <tr><td style="padding:0 24px 18px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ <strong>Total Loss (0 km)</strong> – Agreed Value for first 12 months</li> <li>✓ <strong>Total Loss (used)</strong> – 1 % / month depreciation, max 10 %</li> <li>✓ <strong>Spare-part depreciation</strong><br> • 2022-25 YOM – 0 %<br> • 2019-21 – 0 % if Agency Repair granted / else 0 % if used parts unavailable<br> • 2015-18 – 20 %<br> • 2010-14 – 30 %</li> <li>✓ Replacement Car benefit starts after 3-day confinement deductible</li> </ul> </td></tr> <!-- key conditions --> <tr><td style="padding:4px 24px;font-size:16px;font-weight:600;color:#4c2ea5;">✓ Key Conditions</td></tr> <tr><td style="padding:0 24px 26px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ Vehicle = Total Loss when repair cost ≥ 65 % of Sum Insured / Market Value</li> <li>✓ Repairs must be at an ALIG Workshop Network facility</li> <li>✓ ALIG traffic expert attendance mandatory; otherwise claim may be rejected</li> <li>✓ PPF, vinyl wrap & similar mods excluded unless declared & endorsed</li> <li>✓ Pre-existing damage not covered</li> <li>✓ EV battery:<br> • 2022-25 – 0 % deprec.<br> • 2019-21 – 0 % if Agency Repair<br> • ≤ 2021 – 10 % / year, max 30 %<br> • Thermal runaway & lightning overload excluded</li> </ul> </td></tr> <!-- footer --> <tr><td style="background:#f1f3f7;padding:14px 24px;font-size:11px;color:#555;border-top:1px solid #e4e8f0;"> All amounts fresh USD • Source: “ALIG Motor Tariff – May 2025” • Subject to underwriting & risk assessment </td></tr> </tbody></table><!-- /card --> </td></tr></tbody></table>
Benefits
- ✓Third Party Liability – Material Damage – USD 1,000,000
- ✓Own Damage, Total Loss & Fire – Covered
- ✓Theft / Hold-Up – Covered
- ✓Accidental Death & PTD (Driver & Passengers) – USD 25,000 per person / USD 50,000 aggregate
- ✓Medical Expenses (Driver & Passengers) – USD 10,000 per person / USD 25,000 aggregate
- ✓Airbags & Dashboard – Dashboard, airbag and related components covered following a motor vehicle accident
- ✓Agency Repair – Covered – model years 2019-2026 (per rate schedule), after ALIG inspection and approval
- ✕Compulsory Bodily Injury (BI) – Excluded
- ✓Replacement Car (accident) – USD 100/day · max 10 days per claim/year · 3-day deductible from the date of confinement at ALIG Workshops Network · valid rental agreement and receipt/invoice from a licensed rental agency
- ✓Replacement Car (total loss) – Up to USD 1,000
- ✓Partial Theft – Up to USD 10,000 per claim/year (standard accessories only, unless pre-declared and approved)
- ✓Scratching & Denting – Covered (excluding intentional acts)
- ✓Litigation Expenses – USD 5,000 annual aggregate limit (following a covered claim)
- ✓Registration Fees (total loss) – Up to 7.5% of sum insured or market value, whichever is lower (receipt for the new vehicle required)
- ✓Natural Perils – Hail, storm, tempest & flood covered up to sum insured or market value, whichever is lower
- ✓SRCC & Terrorism – Covered up to sum insured or market value, whichever is lower
- ✓Free Road Assistance – Unlimited km · accident: unlimited cases per year · mechanical or electrical failure: unlimited cases per year · 7-day waiting period for mechanical/electrical (from inception, new policies)
- ✓Free Crane Service (حاضور) – Once a policy year
- ✓Depreciation on new spare parts – 2024-2026: no depreciation · 2019-2023: no depreciation (agency repair granted)
- ✓Total loss indemnity – Brand new (0 km): agreed value for the first 12 months (dealer invoice required) · used vehicles: 1% depreciation per month, max 10% of sum insured or market value, whichever is lower
- ✓Electric vehicles – battery depreciation – 2024-2026: no depreciation · 2019-2023: no depreciation (agency repair granted)
- ✓Eligible vehicles – Private vehicles – fuel, hybrid and electric (excluding BI)
- ✓Sum insured / model years – Sum insured USD 50,000 – 250,000 · model years 2019-2026 (with-agency rates)
- ✓Pre-cover inspection – Compulsory (by ALIG, before cover is granted)
- ✓Sum insured basis – Actual market value in fresh/cash USD, otherwise the average clause applies · dealer invoice for brand new cars, ALIG approval for used cars
- ✓Repairs – Agency workshop (agency repair granted) or ALIG Workshop Network
- ✓Traffic expert – ALIG-recognized traffic expert must be present at the accident scene, otherwise the claim may be rejected
- ✓Total loss threshold – Repair cost exceeds 65% of sum insured or market value, whichever is lower (following an accident, fire or natural peril; ALIG network estimate)
- ✓Anti-theft requirement – Kia Sportage, Toyota FJ Cruiser & Hyundai Tucson: anti-theft alarm installation and ALIG approval
- ✓Driver age under 25 – Subject to ALIG approval
- ✓Mode of payment – 100% cash USD or international bank transfer · premium and claims settled in fresh/cash USD
- ✓Armored, collection, foreign, special & sports cars – Refer to ALIG
- ✕PPF film / vinyl wrap – Excluded unless declared (additional premium)
- ✕Pre-existing damage – Not covered (prior to enrollment at ALIG)
- ✕Road assistance exclusions – Modified, double wheel, ambulances, hearse, vehicles > 2000 KG
- ✕Electric vehicles – exclusions – Fire due to thermal runaway, while charging or not using factory dealer sockets · mechanical/electrical/electronic failures unless caused by an accident · electrical overload from lightning on the drive battery
PREMIUM PLAN.
<meta charset="utf-8"><title>ALIG Premium – Benefits</title> <table role="presentation" width="100%" cellspacing="0" cellpadding="0" border="0"> <tbody><tr><td align="center" style="padding:32px 12px;"> <!-- card --> <table role="presentation" width="600" cellspacing="0" cellpadding="0" border="0" style="max-width:600px;background:#ffffff;border:1px solid #e4e8f0;border-radius:8px;"> <!-- header --> <tbody><tr><td style="background:#4c2ea5;color:#ffffff;padding:28px 24px;font-size:22px;font-weight:600;"> ALIG Motor All Risk – <em>Premium Plan</em> </td></tr> <!-- core cover --> <tr><td style="padding:22px 24px 6px;font-size:16px;font-weight:600;color:#4c2ea5;">✓ Core Cover</td></tr> <tr><td style="padding:0 24px 18px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ <strong>Own Damage / Total Loss / Fire / Theft / Hold-Up</strong> – Covered</li> <li>✓ <strong>TPL Material Damage</strong> – USD 1 000 000</li> <li>✓ <strong>Accidental Death & PTD</strong> – USD 25 000 pp / 50 000 aggregate</li> <li>✓ <strong>Medical Expenses</strong> – USD 10 000 pp / 25 000 aggregate</li> <li>✓ <strong>SRCC & Terrorism</strong> – Covered up to Sum Insured / Market Value</li> </ul> </td></tr> <!-- extra benefits --> <tr><td style="padding:4px 24px;font-size:16px;font-weight:600;color:#4c2ea5;">✓ Additional Benefits</td></tr> <tr><td style="padding:0 24px 18px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ <strong>Replacement Car (accident)</strong> – USD 100 / day • max 10 days (3-day excess)</li> <li>✓ <strong>Replacement Car (Total Loss)</strong> – USD 1 000 lump-sum</li> <li>✓ <strong>Partial Theft</strong> – up to USD 10 000 / claim year</li> <li>✓ <strong>Scratching & Denting</strong> – Covered (intentional acts excluded)</li> <li>✓ <strong>Registration Fees (TL)</strong> – reimbursed up to 7.5 % of Sum Insured / Market Value</li> <li>✓ <strong>Natural Perils</strong> – Covered up to Sum Insured / Market Value</li> <li>✓ <strong>Dashboard / Airbag components</strong> – Covered after accident</li> <li>✓ <strong>Dealer Repair</strong> – available for approved YOM after ALIG inspection</li> <li>✓ <strong>Litigation Expenses</strong> – USD 5 000 annual aggregate</li> <li>✓ <strong>Roadside Assistance</strong> – Unlimited KM (accident) • 7 days for mech./electrical breakdown</li> </ul> </td></tr> <!-- depreciation --> <tr><td style="padding:4px 24px;font-size:16px;font-weight:600;color:#4c2ea5;">✓ Depreciation & Deductibles</td></tr> <tr><td style="padding:0 24px 18px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ <strong>Total Loss (0 km)</strong> – Agreed Value for first 12 months</li> <li>✓ <strong>Total Loss (used)</strong> – 1 % / month depreciation, max 10 %</li> <li>✓ <strong>Spare-part depreciation</strong><br> • 2022-25 YOM – 0 %<br> • 2019-21 – 0 % if Agency Repair granted / else 0 % if used parts unavailable<br> • 2015-18 – 20 %<br> • 2010-14 – 30 %</li> <li>✓ Replacement Car benefit starts after 3-day confinement deductible</li> </ul> </td></tr> <!-- key conditions --> <tr><td style="padding:4px 24px;font-size:16px;font-weight:600;color:#4c2ea5;">✓ Key Conditions</td></tr> <tr><td style="padding:0 24px 26px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ Vehicle = Total Loss when repair cost ≥ 65 % of Sum Insured / Market Value</li> <li>✓ Repairs must be at an ALIG Workshop Network facility</li> <li>✓ ALIG traffic expert attendance mandatory; otherwise claim may be rejected</li> <li>✓ PPF, vinyl wrap & similar mods excluded unless declared & endorsed</li> <li>✓ Pre-existing damage not covered</li> <li>✓ EV battery:<br> • 2022-25 – 0 % deprec.<br> • 2019-21 – 0 % if Agency Repair<br> • ≤ 2021 – 10 % / year, max 30 %<br> • Thermal runaway & lightning overload excluded</li> </ul> </td></tr> <!-- footer --> <tr><td style="background:#f1f3f7;padding:14px 24px;font-size:11px;color:#555;border-top:1px solid #e4e8f0;"> All amounts fresh USD • Source: “ALIG Motor Tariff – May 2025” • Subject to underwriting & risk assessment </td></tr> </tbody></table><!-- /card --> </td></tr></tbody></table>
Benefits
- ✓Third Party Liability – Material Damage – USD 1,000,000
- ✓Own Damage, Total Loss & Fire – Covered
- ✓Theft / Hold-Up – Covered
- ✓Accidental Death & PTD (Driver & Passengers) – USD 25,000 per person / USD 50,000 aggregate
- ✓Medical Expenses (Driver & Passengers) – USD 10,000 per person / USD 25,000 aggregate
- ✓Airbags & Dashboard – Dashboard, airbag and related components covered following a motor vehicle accident
- ✕Agency Repair – Not included (with-agency option = PREMIUM + card)
- ✕Compulsory Bodily Injury (BI) – Excluded
- ✓Replacement Car (accident) – USD 100/day · max 10 days per claim/year · 3-day deductible from the date of confinement at ALIG Workshops Network · valid rental agreement and receipt/invoice from a licensed rental agency
- ✓Replacement Car (total loss) – Up to USD 1,000
- ✓Partial Theft – Up to USD 10,000 per claim/year (standard accessories only, unless pre-declared and approved)
- ✓Scratching & Denting – Covered (excluding intentional acts)
- ✓Litigation Expenses – USD 5,000 annual aggregate limit (following a covered claim)
- ✓Registration Fees (total loss) – Up to 7.5% of sum insured or market value, whichever is lower (receipt for the new vehicle required)
- ✓Natural Perils – Hail, storm, tempest & flood covered up to sum insured or market value, whichever is lower
- ✓SRCC & Terrorism – Covered up to sum insured or market value, whichever is lower
- ✓Free Road Assistance – Unlimited km · accident: unlimited cases per year · mechanical or electrical failure: unlimited cases per year · 7-day waiting period for mechanical/electrical (from inception, new policies)
- ✓Free Crane Service (حاضور) – Once a policy year
- ✓Depreciation on new spare parts – 2024-2026: no depreciation · 2019-2023: no depreciation if used spare parts are not available · 2016-2018: 30% if used spare parts are not available · 2011-2015: 40% if used spare parts are not available
- ✓Total loss indemnity – Brand new (0 km): agreed value for the first 12 months (dealer invoice required) · used vehicles: 1% depreciation per month, max 10% of sum insured or market value, whichever is lower
- ✓Electric vehicles – battery depreciation – 2024-2026: no depreciation · 2011-2023: 10% per year, max 30% (following a covered claim)
- ✓Eligible vehicles – Private vehicles – fuel, hybrid and electric (excluding BI)
- ✓Sum insured / model years – Sum insured USD 50,000 – 250,000 · model years 2011-2026
- ✓Pre-cover inspection – Compulsory (by ALIG, before cover is granted)
- ✓Sum insured basis – Actual market value in fresh/cash USD, otherwise the average clause applies · dealer invoice for brand new cars, ALIG approval for used cars
- ✓Repairs – ALIG Workshop Network only
- ✓Traffic expert – ALIG-recognized traffic expert must be present at the accident scene, otherwise the claim may be rejected
- ✓Total loss threshold – Repair cost exceeds 65% of sum insured or market value, whichever is lower (following an accident, fire or natural peril; ALIG network estimate)
- ✓Anti-theft requirement – Kia Sportage, Toyota FJ Cruiser & Hyundai Tucson: anti-theft alarm installation and ALIG approval
- ✓Driver age under 25 – Subject to ALIG approval
- ✓Mode of payment – 100% cash USD or international bank transfer · premium and claims settled in fresh/cash USD
- ✓Armored, collection, foreign, special & sports cars – Refer to ALIG
- ✕PPF film / vinyl wrap – Excluded unless declared (additional premium)
- ✕Pre-existing damage – Not covered (prior to enrollment at ALIG)
- ✕Road assistance exclusions – Modified, double wheel, ambulances, hearse, vehicles > 2000 KG
- ✕Electric vehicles – exclusions – Fire due to thermal runaway, while charging or not using factory dealer sockets · mechanical/electrical/electronic failures unless caused by an accident · electrical overload from lightning on the drive battery
STANDARD
<meta charset="utf-8"><title>UFA Standard – Benefits</title> <table role="presentation" width="100%" cellspacing="0" cellpadding="0" border="0"> <tbody><tr><td align="center" style="padding:32px 12px;"> <!-- card --> <table role="presentation" width="600" cellspacing="0" cellpadding="0" border="0" style="max-width:600px;background:#ffffff;border:1px solid #e4e8f0;border-radius:8px;"> <!-- header --> <tbody><tr><td style="background:#0062a3;color:#ffffff;padding:28px 24px;font-size:22px;font-weight:600;"> UFA Motor All-Risk – <em>Standard Plan</em> </td></tr> <!-- core --> <tr><td style="padding:22px 24px 6px;font-size:16px;font-weight:600;color:#0062a3;">✓ Core Cover</td></tr> <tr><td style="padding:0 24px 18px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ <strong>TPL Material Damage</strong> – USD 1 000 000</li> <li>✓ <strong>Own Damage / Fire / Theft & Hold-Up</strong> – Covered (10 % deductible on Theft & Hold-up)</li> <li>✓ <strong>Death & PTD</strong> – USD 5 000 pp / 25 000 aggregate</li> <li>✓ <strong>Medical Expenses</strong> – USD 1 500 pp / 7 500 aggregate</li> <li>✓ <strong>Airbags</strong> – Deductible Nil</li> </ul> </td></tr> <!-- extras --> <tr><td style="padding:4px 24px;font-size:16px;font-weight:600;color:#0062a3;">✓ Additional Benefits</td></tr> <tr><td style="padding:0 24px 18px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ <strong>Replacement Car</strong> – USD 30 / day • max 10 days • 2-day deductible</li> <li>✓ <strong>Registration Fees (Total Loss)</strong> – Up to 5 % of Market Car Value</li> <li>✓ <strong>Road Assistance</strong><br> • 3× / policy → Mechanical Breakdown (unlimited mileage)<br> • Unlimited rides / mileage → Accident</li> </ul> </td></tr> <!-- depreciation --> <tr><td style="padding:4px 24px;font-size:16px;font-weight:600;color:#0062a3;">✓ Depreciation & Limits</td></tr> <tr><td style="padding:0 24px 24px;"> <ul style="margin:0 0 0 18px;line-height:1.46"> <li>✓ <strong>New Spare Parts</strong> – 10 % first year • + 5 % / extra year (max 50 %)</li> <li>✓ <strong>2025-24 new-car value</strong> – Market or Insured value (lower)</li> </ul> </td></tr> <!-- footer --> <tr><td style="background:#f1f3f7;padding:14px 24px;font-size:11px;color:#555;border-top:1px solid #e4e8f0;"> All amounts fresh USD • Subject to UFA Motor Tariff – Standard Plan wording (May 2025) </td></tr> </tbody></table> </td></tr> </tbody></table>
Benefits
- ✓TPL-Matirial – USD 1000,000
- ✓Vehicle own Damage Fire,Explosion,Theft& Hold-up – Up to Market Value
- ✓Theft/Hold-Up – up to market value 10 % Deduct.
- ✕Deductible – 10 % of Market Value
- ✓PA (Driver & Passengers) – USD 5,000 pp / 25,000 agg.
- ✓Medical Expenses (Driver & Passengers) – USD 1,500 pp / 7,500 agg.
- ✕Excess on Compulsory – None
- ✓Airbags – deductible Nil
- ✕Partial Theft – None
- ✕Scratching & Denting 1rst renewal year
- ✓Road Assistance
- ✓Registration Fees(TL) – up to 5% of Market Value
- ✓Replacement car – $30 /d,Max10d.2d excess
- ✕Natural Perils – None
- ✕SRCC – None
- ✕Political Violence up to car value – None
- ✕Valet Parking – None
- ✕tyres – None
