Motor Insurance
Comprehensive or third party cover for cars and bikes in the Maldives.
Drive with Confidence
Motor Insurance provides protection for you, your vehicle, and others on the road. With options for comprehensive or third-party only cover, it includes accident damage, liability protection, natural perils, and additional benefits such as towing and windscreen cover for complete confidence on every drive.
Types of cover
Motor Third Party
The minimum the law requires. Compulsory cover for every vehicle on Maldivian roads. It protects them. It does nothing for your own vehicle.
Motor Comprehensive
Third party pays them. This pays you too. Comprehensive motor cover for cars and bikes in the Maldives.
What is covered
| Cover | Third Party | Comprehensive |
|---|---|---|
| Death or permanent disability of other people, up to MVR 60,000 | Covered | Covered |
| Damage to other people’s property, up to MVR 40,000 | Covered | Covered |
| Accident damage to your own vehicle | Not covered | Covered |
| Fire, theft, malicious damage | Not covered | Covered |
| Windscreen, with your No Claim Bonus intact | Not covered | Covered |
| Tsunami and tidal waves | Not covered | By endorsement |
| Personal accident cover for the driver | Not covered | By endorsement |
One repair bill usually costs more than the gap in premium.
Send us your vehicle details. We’ll price third party and comprehensive side by side, in rufiyaa. See the difference before you decide.
Three things worth knowing first.
- A deductible applies to every claim on your own vehicle
- Nothing is paid if the driver had no valid licence
- Wear, tear and mechanical breakdown stay with you
For a quote
Send us the documents for the cover you want.
- Third party: a copy of the vehicle registry, and a copy of your ID card
- Comprehensive: a copy of the vehicle registry, a copy of your ID card, the vehicle’s value, and pictures of the vehicle
Common questions
- Is motor insurance compulsory in the Maldives?
- Yes. Third party motor insurance is the minimum the law requires for every vehicle on Maldivian roads. It pays other people for injury or damage you cause. It pays nothing for your own vehicle; for that you need comprehensive cover.
- What is the difference between third party and comprehensive motor insurance?
- Third party pays the other person. Comprehensive pays you too: accident damage to your own vehicle, fire, theft and malicious damage, and windscreen repairs without losing your no claim bonus. Both cover death or injury to other people up to MVR 60,000 and damage to their property up to MVR 40,000.
- What do I need to get a motor insurance quote?
- For third party cover, a copy of the vehicle registry and a copy of your ID card. For comprehensive cover, the same two plus the vehicle’s value and pictures of the vehicle. Seguro prices third party and comprehensive side by side, in rufiyaa, so you see the difference before you decide.
How to claim
Tell us
Contact our Claims Hotline or email us as soon as a claim arises.
We guide you
We advise you on documentation and communicate with the insurer.
We follow it through
We monitor the claim’s progress and check the settlement is in line with your policy entitlements.
This page is a summary. Cover is subject to the terms, conditions and exclusions of the insurer’s wording, which prevails. Seguro is a broker and arranges cover with the insurer.
