Every car needs the compulsory bodily-injury policy (BI), which pays for injuries you cause to other people, and third-party liability (TPL), which pays for the damage you cause to other people's cars and property up to the limit shown. Below are the private-car TPL options of 10 insurers, each with the insurer's compulsory BI premium and what the two cost together, from the insurers' current tariffs.
Securite
TPL Option 1 · Securite
Tariff ref Securite Assurance V2. 2026 · effective 01/07/2026
- TPL premium
- USD 55.00
- Material-damage limit
- USD 1,000,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 100.00
Benefits (5)
- Medical expenses (parents passengers and driver)100% coverage up to $2,000.00 per person and $10,000.00 in the aggregate
- Death or PTDup to $5,000.00 per person and $25,000.00 in the aggregate
- Towing - accidentUnlimited towing services due to accident, with unlimited kilometers per tow
- Crane-liftUnlimited crane-lift per year
- Litigation expensesCovered up to $500.00 per year
No mechanical/electrical failure towing
ALIG
TPL Product 1 · ALIG
Tariff ref ALIG Motor Tariff - June 2026 · effective 01/06/2026
- TPL premium
- USD 55.00
- Material-damage limit
- USD 500,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 100.00
Benefits (4)
- Towing - accidentUnlimited KM / unlimited accidents
- Towing - mechanical/electricalExcluded
- Driver PTD & Death / Medical Expenses (all categories)$3,500.00 / $1,500.00 in aggregate
- Passengers PTD & Death / Medical Expenses for Private Cars $55.00 Only$3,500.00 / $1,500.00 in aggregate
Arabia
MTPL Standard 55 · Arabia
Tariff ref Arabia Lebanon - MTPL Plan - Fresh USD · effective 01/07/2026
- TPL premium
- USD 55.00
- Material-damage limit
- USD 500,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 100.00
Benefits (4)
- Roadside assistance - accidentunlimited Times per policy period & unlimited KM
- Roadside assistance - mechanical breakdownNot covered
- Personal accidentup to $. 4,000.00 per person for Death/PPD/PTD and $. 20,000.00 in the aggregate (private vehicles saloon & 4WD)
- Medical expensesup to $. 2,000.00 per person and $. 10,000.00 in the aggregate (private vehicles saloon & 4WD)
AROPE
TPL Option 1 – AROPE
Tariff ref MT/LS/TAR/260624 · effective 01/07/2026
- TPL premium
- USD 55.00
- Material-damage limit
- USD 500,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 100.00
Benefits (3)
- TowingUnlimited accident towing (one towing per accident) with unlimited mileage; mechanical breakdown not covered
- MedicalUSD 2,000.00 Per Person (USD 10,000.00 aggregate)
- Death & PTDUSD 4,000.00 Per Person (USD 20,000.00 aggregate)
Personal accident covers the driver and relative passengers of private vehicles; one towing per case.
Road assistance only for vehicles with a net weight below 2 tons and without double alloy wheels.
Excludes hijacking, natural perils, terrorism, strikes, riots, racing and political risks; sanction clause applies.
Fidelity
TPL MT5 · Fidelity
Tariff ref ET-LI-23 ed.12 (tariff); ET-AD-07/ED15 (TPL conditions) · effective 15/06/2026
- TPL premium
- USD 55.00
- Material-damage limit
- USD 500,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 100.00
Benefits (3)
- Towingtowing accident only, unlimited
- Medical$2,000.00
- Death & Disability$4,000.00
Personal-accident benefits for private cars: passengers who are the insured's close family (Fidelity TPL conditions).
Liaassurex
TPL Option 1 · Liaassurex
Tariff ref MOT-TR-V17-2026-06 · effective 19/06/2026
- TPL premium
- USD 55.00
- Material-damage limit
- USD 500,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 100.00
Benefits (5)
- Road AssistanceUnlimited rides in case of accident only, with unlimited kms per ride, including crane service.
- Family Members Medical Expenses2,000.00 USD
- Family Members Death & PTD4,000.00 USD
- MD to third parties due to transported items / removable car body accessoriesIncluded
- MD to third parties due to Fire & Explosion of the insured vehiclecovered up to the same above chosen limit
Cost of policy USD 4.00 (LIA email 19/06/2026): not stated whether it is included in the premium.
Medgulf
TPL Option 1 · Medgulf
Tariff ref MOTOR THIRD PARTY LIABILITY TARIFF Effective 01-08-2026 · effective 01/08/2026 · BI: NEW OBLIATORY TARIFF STARTING 01/05/2025 · effective 01/05/2025
- TPL premium
- USD 55.00
- Material-damage limit
- USD 500,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 100.00
Benefits (3)
- TowingUnlimited numbers & distance following an accident
- Death, Total and Permanent Disabilityup to US$4,000.00 per passenger up to US$20,000.00 in the aggregate
- Medical Expensesup to US$ 2,000.00 per passenger or US$10,000.00 in aggregate
Private vehicles except leased or rental vehicles.
Medgulf's compulsory BI figures are the minimum cover and minimum total premium of its obligatory tariff effective 01/05/2025.
SNA
TPL Plus · SNA
Tariff ref SNA Brokers Unit Circular - Motor TPL New Tariff & Conditions, June 18th, 2026 · effective 01/07/2026
- TPL premium
- USD 55.00
- Material-damage limit
- USD 500,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 100.00
Benefits (3)
- Towing - in case of AccidentUnlimited Towing
- Towing - in case of Mechanical FailureNo towing
- Family Passenger & DriverDeath / passenger $4,000.00; Medical Fees / Passenger $2,000.00
UFA
TPL Option 1 · UFA
Tariff ref MIT-09/0726 · effective 01/07/2026
- TPL premium
- USD 55.00
- Material-damage limit
- USD 500,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 100.00
Benefits (3)
- TowingUnlimited towing service due to accidents with Unlimited mileage (including telescopic towing)
- MedicalUSD 2,000.00 Per Person
- Death & PTDUSD 4,000.00 Per Person
Securite
TPL Option 2 · Securite
Tariff ref Securite Assurance V2. 2026 · effective 01/07/2026
- TPL premium
- USD 65.00
- Material-damage limit
- USD 1,250,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 110.00
Benefits (6)
- Medical expenses (parents passengers and driver)100% coverage up to $3,500.00 per person and $15,000.00 in the aggregate
- Death or PTDup to $7,500.00 per person and $30,000.00 in the aggregate
- Towing - accidentUnlimited towing services due to accident, with unlimited kilometers per tow
- Towing - mechanical/electrical failure1 towing service, up to 75km per tow
- Crane-liftUnlimited crane-lift per year
- Litigation expensesCovered up to $1,000.00 per year
Mechanical/electrical failure towing granted 10 days from policy issuance, subject to new policies only
ALIG
TPL Product 2 · ALIG
Tariff ref ALIG Motor Tariff - June 2026 · effective 01/06/2026
- TPL premium
- USD 65.00
- Material-damage limit
- USD 1,000,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 110.00
Benefits (3)
- Towing - accidentUnlimited KM / unlimited accidents
- Towing - mechanical/electrical75 KM, one case per year
- Driver PTD & Death / Medical Expenses (all categories)$3,500.00 / $1,500.00 in aggregate
ALIG's benefits page still refers to its older USD 55.00 / USD 60.00 private-car products: the personal-accident limits for this option are to be confirmed with ALIG.
AROPE
TPL Option 2 – AROPE
Tariff ref MT/LS/TAR/260624 · effective 01/07/2026
- TPL premium
- USD 65.00
- Material-damage limit
- USD 1,000,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 110.00
Benefits (3)
- TowingUnlimited accident towing with unlimited mileage; 1 mechanical breakdown towing per year up to 75 km
- MedicalUSD 2,500.00 Per Person (USD 12,500.00 aggregate)
- Death & PTDUSD 5,000.00 Per Person (USD 25,000.00 aggregate)
Personal accident covers the driver and relative passengers of private vehicles; one towing per case.
Road assistance only for vehicles with a net weight below 2 tons and without double alloy wheels.
Excludes hijacking, natural perils, terrorism, strikes, riots, racing and political risks; sanction clause applies.
Rock Mutual
TPL Advanced – Rock Mutual
Tariff ref Rock Motor TPL Private Cars Advanced v1.15 · effective 15/06/2026
- TPL premium
- USD 65.00
- Material-damage limit
- USD 1,000,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 110.00
Benefits (3)
- Death, PTD and PPD (driver and family passengers)USD 5,000.00/per person and USD 25,000.00/in the aggregate
- Medical expenses (driver and family passengers)USD 2,500.00/per person and USD 12,500.00/in the aggregate
- Free road assistance 24/7Mechanical failure: 2 times per year (1st up to 100 km, 2nd up to 50 km, at least 10 days after the first); accident: unlimited times and distance; crane included
Arabia
MTPL Standard 65 · Arabia
Tariff ref Arabia Lebanon - MTPL Plan - Fresh USD · effective 01/07/2026
- TPL premium
- USD 65.00
- Material-damage limit
- USD 750,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 110.00
Benefits (6)
- Roadside assistance - accidentUnlimited Times per policy period & Unlimited KM
- Roadside assistance - mechanical breakdown1 Time per policy period & up to KM 75
- Crane service1 Time per policy period & Unlimited KM
- Excess distanceAdditional Fresh USD 1.50 for each KM exceeding KM 75
- Personal accidentup to $. 5,000.00 per person for Death/PPD/PTD and $. 25,000.00 in the aggregate
- Medical expensesup to $. 2,500.00 per person and $.12,500.00 in the aggregate
Fidelity
TPL MT8 · Fidelity
Tariff ref ET-LI-23 ed.12 (tariff); ET-AD-07/ED15 (TPL conditions) · effective 15/06/2026
- TPL premium
- USD 65.00
- Material-damage limit
- USD 750,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 110.00
Benefits (3)
- Towingaccident unlimited + 1 mechanical/electrical tow up to 75 Km
- Medical$2,500.00
- Death & Disability$5,000.00
Personal-accident benefits for private cars: passengers who are the insured's close family (Fidelity TPL conditions).
Liaassurex
TPL Option 2 · Liaassurex
Tariff ref MOT-TR-V17-2026-06 · effective 19/06/2026
- TPL premium
- USD 65.00
- Material-damage limit
- USD 750,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 110.00
Benefits (5)
- Road AssistanceUnlimited rides in case of accident with unlimited kms per ride, and 1 ride in case of mechanical or electrical failure up to 75 kms, including crane service.
- Family Members Medical Expenses2,500.00 USD
- Family Members Death & PTD5,000.00 USD
- MD to third parties due to transported items / removable car body accessoriesIncluded
- MD to third parties due to Fire & Explosion of the insured vehiclecovered up to the same above chosen limit
Cost of policy USD 10.00 (LIA email 19/06/2026): not stated whether it is included in the premium.
Medgulf
TPL Option 2 · Medgulf
Tariff ref MOTOR THIRD PARTY LIABILITY TARIFF Effective 01-08-2026 · effective 01/08/2026 · BI: NEW OBLIATORY TARIFF STARTING 01/05/2025 · effective 01/05/2025
- TPL premium
- USD 65.00
- Material-damage limit
- USD 750,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 110.00
Benefits (4)
- Towing - accidentUnlimited numbers & distance following an accident
- Towing - breakdownOne tow per policy period following Mechanical or Electrical breakdown up max. distance of 75 km
- Death, Total and Permanent Disabilityup to US$5,000.00 per passenger up to US$25,000.00 in the aggregate
- Medical Expensesup to US$ 2,500.00 per passenger or US$12,500.00 in aggregate
Private vehicles except leased or rental vehicles.
Medgulf's compulsory BI figures are the minimum cover and minimum total premium of its obligatory tariff effective 01/05/2025.
SNA
TPL Extra · SNA
Tariff ref SNA Brokers Unit Circular - Motor TPL New Tariff & Conditions, June 18th, 2026 · effective 01/07/2026
- TPL premium
- USD 65.00
- Material-damage limit
- USD 750,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 110.00
Benefits (3)
- Towing - in case of AccidentUnlimited Towing
- Towing - in case of Mechanical Failure1 towing up to 75km/trip
- Family Passenger & DriverDeath / passenger $5,000.00; Medical Fees / Passenger $2,500.00
UFA
TPL Option 2 · UFA
Tariff ref MIT-09/0726 · effective 01/07/2026
- TPL premium
- USD 65.00
- Material-damage limit
- USD 750,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 110.00
Benefits (3)
- TowingUnlimited towing service due to accidents with Unlimited mileage; One mechanical or electrical breakdown service, up to 75 km (including telescopic towing)
- MedicalUSD 2,500.00 Per Person
- Death & PTDUSD 5,000.00 Per Person
AROPE
TPL Option 3 – AROPE
Tariff ref MT/LS/TAR/260624 · effective 01/07/2026
- TPL premium
- USD 75.00
- Material-damage limit
- USD 2,000,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 120.00
Benefits (3)
- TowingUnlimited accident towing with unlimited mileage; 2 mechanical breakdown tows per year (1st up to 100 km, 2nd up to 50 km, unrelated cases at least 10 days apart)
- MedicalUSD 5,000.00 Per Person (USD 25,000.00 aggregate)
- Death & PTDUSD 10,000.00 Per Person (USD 50,000.00 aggregate)
Personal accident covers the driver and relative passengers of private vehicles; one towing per case.
Road assistance only for vehicles with a net weight below 2 tons and without double alloy wheels.
Excludes hijacking, natural perils, terrorism, strikes, riots, racing and political risks; sanction clause applies.
Securite
TPL Option 3 · Securite
Tariff ref Securite Assurance V2. 2026 · effective 01/07/2026
- TPL premium
- USD 75.00
- Material-damage limit
- USD 1,500,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 120.00
Benefits (6)
- Medical expenses (parents passengers and driver)100% coverage up to $10,000.00 per person and $50,000.00 in the aggregate
- Death or PTDup to $12,000.00 per person and $50,000.00 in the aggregate
- Towing - accidentUnlimited towing services due to accident, with unlimited kilometers per tow
- Towing - mechanical/electrical failure2 towing services: up to 100 km for the first tow and up to 50 km for the second tow
- Crane-liftUnlimited crane-lift per year
- Litigation expensesCovered up to $2,000.00 per year
Mechanical/electrical failure towing granted 10 days from policy issuance, subject to new policies only
Minimum interval of 10 days between tows, applicable only to unrelated cases
ALIG
TPL Product 3 · ALIG
Tariff ref ALIG Motor Tariff - June 2026 · effective 01/06/2026
- TPL premium
- USD 75.00
- Material-damage limit
- USD 1,000,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 120.00
Benefits (3)
- Towing - accidentUnlimited KM / unlimited accidents
- Towing - mechanical/electricalTwo cases per year: First Case 100Km, Second Case 50Km
- Driver PTD & Death / Medical Expenses (all categories)$3,500.00 / $1,500.00 in aggregate
ALIG's benefits page still refers to its older USD 55.00 / USD 60.00 private-car products: the personal-accident limits for this option are to be confirmed with ALIG.
Arabia
MTPL Plus 75 · Arabia
Tariff ref Arabia Lebanon - MTPL Plan - Fresh USD · effective 01/07/2026
- TPL premium
- USD 75.00
- Material-damage limit
- USD 1,000,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 120.00
Benefits (6)
- Roadside assistance - accidentUnlimited Times per policy period & Unlimited KM
- Roadside assistance - mechanical breakdown2 Times per policy period, Up to KM 100 & 2nd Time up to KM 50
- Excess distanceAdditional Fresh USD 1.50 for each KM exceeding above KMs
- Crane service1 Time per policy period & Unlimited KM
- Personal accidentup to $. 10,000.00 per person for Death/PPD/PTD and $. 50,000.00 in the aggregate
- Medical expensesup to $. 5,000.00 per person and $. 25,000.00 in the aggregate
Fidelity
TPL MT9 · Fidelity
Tariff ref ET-LI-23 ed.12 (tariff); ET-AD-07/ED15 (TPL conditions) · effective 15/06/2026
- TPL premium
- USD 75.00
- Material-damage limit
- USD 1,000,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 120.00
Benefits (3)
- Towingaccident unlimited + 2 mechanical/electrical tows (1st 100 Km, 2nd 50 Km)
- Medical$5,000.00
- Death & Disability$10,000.00
2nd towing request must not be for the same cause and must be made at least 10 days after the 1st (Fidelity TPL conditions).
Personal-accident benefits for private cars: passengers who are the insured's close family (Fidelity TPL conditions).
Liaassurex
TPL Option 3 · Liaassurex
Tariff ref MOT-TR-V17-2026-06 · effective 19/06/2026
- TPL premium
- USD 75.00
- Material-damage limit
- USD 1,000,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 120.00
Benefits (5)
- Road AssistanceUnlimited rides in case of accident with unlimited kms per ride, and 2 rides in case of mechanical or electrical failure: 1st ride up to 100 kms, 2nd ride up to 50 kms subject to different cause of failure and minimum 10 days between the 1st & 2nd ride, including crane service.
- Family Members Medical Expenses5,000.00 USD
- Family Members Death & PTD10,000.00 USD
- MD to third parties due to transported items / removable car body accessoriesIncluded
- MD to third parties due to Fire & Explosion of the insured vehiclecovered up to the same above chosen limit
Cost of policy USD 13.00 (LIA email 19/06/2026): not stated whether it is included in the premium.
Medgulf
TPL Option 3 · Medgulf
Tariff ref MOTOR THIRD PARTY LIABILITY TARIFF Effective 01-08-2026 · effective 01/08/2026 · BI: NEW OBLIATORY TARIFF STARTING 01/05/2025 · effective 01/05/2025
- TPL premium
- USD 75.00
- Material-damage limit
- USD 1,000,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 120.00
Benefits (4)
- Towing - accidentUnlimited numbers & distance following an accident
- Towing - breakdown1st tow following Mechanical or Electrical breakdown up to max. distance of 100km; 2nd tow up to max. distance of 50km
- Death, Total and Permanent Disabilityup to US$10,000.00 per passenger up to US$50,000.00
- Medical Expensesup to US$ 5,000.00 per passenger or US$25,000.00 in aggregate
Private vehicles except leased or rental vehicles.
Medgulf's compulsory BI figures are the minimum cover and minimum total premium of its obligatory tariff effective 01/05/2025.
SNA
TPL Gold · SNA
Tariff ref SNA Brokers Unit Circular - Motor TPL New Tariff & Conditions, June 18th, 2026 · effective 01/07/2026
- TPL premium
- USD 75.00
- Material-damage limit
- USD 1,000,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 120.00
Benefits (3)
- Towing - in case of AccidentUnlimited Towing
- Towing - in case of Mechanical Failure2 towing up to 100km/trip
- Family Passenger & DriverDeath / passenger $10,000.00; Medical Fees / Passenger $5,000.00
UFA
TPL Option 3 · UFA
Tariff ref MIT-09/0726 · effective 01/07/2026
- TPL premium
- USD 75.00
- Material-damage limit
- USD 1,000,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 120.00
Benefits (3)
- TowingUnlimited towing service due to accidents with Unlimited mileage; Two mechanical or electrical breakdown services, First Tow: 100 km, Second Tow: 50 km (including telescopic towing)
- MedicalUSD 5,000.00 Per Person
- Death & PTDUSD 10,000.00 Per Person
Fidelity
TPL MT1 · Fidelity
Tariff ref ET-LI-23 ed.12 (tariff); ET-AD-07/ED15 (TPL conditions) · effective 15/06/2026
- TPL premium
- USD 85.00
- Material-damage limit
- USD 1,500,000.00
- Compulsory BI
- USD 45.00limit USD 500,000.00
- BI + TPL total
- USD 130.00
Benefits (3)
- Towingaccident unlimited + 2 M/E tows (100/50 Km), crane included
- Medical20,000.00
- PPD, TPD & Death50,000.00
Fidelity's 4th private-car option (MT1, USD 85.00).
2nd towing request must not be for the same cause and must be made at least 10 days after the 1st (Fidelity TPL conditions).
Personal-accident benefits for private cars: passengers who are the insured's close family (Fidelity TPL conditions).
