{"id":9769,"date":"2024-06-23T11:26:38","date_gmt":"2024-06-23T11:26:38","guid":{"rendered":"https:\/\/senainsurance.com\/?page_id=9769"},"modified":"2025-11-25T07:21:16","modified_gmt":"2025-11-25T07:21:16","slug":"9769-2","status":"publish","type":"page","link":"https:\/\/www.senainsurance.com\/?page_id=9769","title":{"rendered":"Private Vehicle"},"content":{"rendered":"

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Private Vehicle<\/h4>\t\t\t\t\t\t
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Commercial Vehicle<\/h4>\t\t\t\t\t\t
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Motor Cycle<\/h4>\t\t\t\t\t\t
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\n\t\t\t\n\t\t\t\"\"\n\t\t\t\t\t<\/div>\n\t\t[\/vc_column][vc_column offset=”vc_col-lg-7 vc_col-md-7 vc_col-xs-12″ mobile_bg_img_hidden=”no” tablet_bg_img_hidden=”no” woodmart_parallax=”0″ woodmart_sticky_column=”false” parallax_scroll=”no” mobile_reset_margin=”no” tablet_reset_margin=”no” css=”.vc_custom_1678105302115{margin-left: 10% !important;border-left-width: 1px !important;padding-top: 0px !important;padding-left: 10% !important;border-left-color: rgba(0,0,0,0.11) !important;border-left-style: solid !important;}” woodmart_css_id=”6405dac62e67e” wd_collapsible_content_switcher=”no” wd_column_role_offcanvas_desktop=”no” wd_column_role_offcanvas_tablet=”no” wd_column_role_offcanvas_mobile=”no” wd_column_role_content_desktop=”no” wd_column_role_content_tablet=”no” wd_column_role_content_mobile=”no” woodmart_box_shadow=”no” responsive_spacing=”eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2NDA1ZGFjNjJlNjdlIiwic2hvcnRjb2RlIjoidmNfY29sdW1uIiwiZGF0YSI6eyJ0YWJsZXQiOnsibWFyZ2luLWxlZnQiOiIwIiwiYm9yZGVyLWxlZnQtd2lkdGgiOiIwcHgiLCJwYWRkaW5nLWxlZnQiOiIxNSJ9LCJtb2JpbGUiOnt9fX0=” wd_z_index=”no”]\n\t\t
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MOTOR INSURANCE (PV)<\/div>\n\t\t\t\n\t\t\t
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Private Vehicle<\/h4>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\n\t\t\t\t
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\n OVERVIEW:<\/strong>
Motor vehicles are valuable investments, but they face risks like natural disasters, fire, theft, and traffic collisions. They also require third-party liability insurance due to potential harm to others. Our motor insurance offers comprehensive coverage for your vehicles, liability protection, and safety for drivers and passengers.<\/p>\n

MOTOR INSURANCE FOR PRIVATE VEHICLE (PV)<\/strong>
Private Vehicle refers to cars and car-type vehicles, including passenger cars, goods carriers, and motorized rickshaws. If a vehicle is registered for private use and used for domestic and social purposes, it is classified as a private vehicle.<\/p>\n

COVERAGE AND LIMITS<\/strong>
\u2022 Own Damage Coverage:<\/strong> We cover your vehicle against accidents, burglary, theft, fire, explosions, self-ignition, lightning, riots, strikes, malicious acts, terrorism, floods, cyclones, and earthquakes up to the amount you declare as the maximum.<\/p>\n

\u2022 Third-Party Liability Coverage:<\/strong> We offer protection against claims from third parties for bodily injury or death with standard limits of BDT 5,000<\/strong> for injury, BDT 10,000<\/strong> for severe injury, and BDT 20,000<\/strong> for death. For property damage, we cover up to BDT 50,000<\/strong> caused by your vehicle. You can extend these limits by paying an additional premium.\n<\/div>\n\t\t<\/div>\n\t\t[\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=”” woodmart_inline=”no” text_larger=”no”]<\/p>\n

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\u2022 Driver and Passenger Coverage:<\/strong> We provide fixed benefits for passengers and the driver in case of accidental injury or death while in\/on your car. The standard limits are BDT 20,000<\/strong> for death, BDT 10,000<\/strong> for total and permanent loss of any limb, and BDT 5,000<\/strong> for temporary disability. These limits can be extended by paying an additional premium.<\/p>\n

FACTORS AFFECTING YOUR PREMIUM:<\/strong>
The premium rate, approved by the Central Rating Committee, IDRA, varies based on several factors:<\/p>\n

\u2022 How you use your vehicle;
\u2022 Your coverage limits;
\u2022 The number of seats in your vehicle;
\u2022 Your vehicle\u2019s cubic capacity or weight in tons;
\u2022 No claim bonuses (discounts for claim-free years).<\/p>\n

MAJOR EXCLUSIONS:<\/strong><\/p>\n

\u2022 Wear and tear.
\u2022 Mechanical\/electrical damage.
\u2022 War and war-like operations.
\u2022 Consequential losses.<\/p>\n

NOTE:<\/strong> For more details or to get a quote, please reach out to our support team. We\u2019re here to help you find the right coverage for your needs.<\/p>\n<\/div>\n

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