A car nowadays has become a necessity and not a luxury! At Shimin Insurance Agency, we offer insurance solutions that protect your investment as well as fit your needs hence, have peace of mind.
Our Private motor vehicle insurance policy provides comprehensive protection against loss or damages to the motor vehicle as well as liability to third parties. At Shimin, we offer excellence through our customized products through engaging, a number of benefits that can be toiler-made according to our customers’ needs. These benefits include those that cover death, permanent disability of insured drivers, family members or employees.
Comprehensive insurance is coverage that helps to replace or repair your vehicle in an incident that’s not a collision. It typically covers damage by fire, theft, vandalism, or falling objects like trees. This package is recommended for those who are financing or leasing their cars.
Third-party insurance allows coverage facing claims of damages and losses incurred by a driver who is not the insured, the principal, and is hence not covered under the insurance policy. This type of insurance is also known as automobile insurance. It is subdivided into two types.
First, Bodily injury liability covers the damage following injuries from a person. These comprise expenses like hospital care, lost earnings, pain, and suffering due to the accident.
Secondly, Property liability covers costs following the damages to or loss of property.
Third–party, fire, and theft insurance is similar to third–party cover where it covers damage to another person or their property if you’re involved in an accident. This covers you in case your car is stolen, damaged, or destroyed in a fire.
When acquiring a third party, fire, and theft insurance, the repair costs of your vehicle should be a major factor to consider. If the expenses of repairing the car after an accident would possibly surpass the cost of replacing the car, but you still want protection from fire or theft, then this policy may be the best match for your needs.