AUTOMOBILE INSURANCE

I- Introduction
All types of motor vehicles used for commercial purpose, transporting goods, passengers and tourists, all
types of motor vehicles belong to companies, enterprises, and factories;
All types of motor vehicles of Non-Governmental Organizations, International Organizations and
Associations;
Cement mixer moved from one place to another by its own machine or by being towed;
Tricycles used for commercial purpose, transportation goods or passengers.

This insurance is divided into three different types of policy as follows:

1. Private Car Policy (VPC)
The motor vehicle used for social domestic, pleasure purposes and for policyholders business.
2. Commercial Car Policy (VCM)
All types of motor vehicles used for commercial purpose, transporting goods, carried passengers with
fee and tourists within the Kingdom of Cambodia. i.e. bus, mini-bus, van, coach, trucks etc.
3. Motorcycle Policy (CYC)

II- Available policies covers:

Main options cover

Third Party Liability (TPL) Only

Comprehensive (Third Party + Own damage + Theft)

Additional cover after the main options has been selected

Passenger Liability (PL)

Personal Accident to Authorised Driver (AD)
Strike Riot Civil Commotion (SRCC)

Since Auto Insurance coverage is typically broken down into component parts, each of which provides a different
type of protection, its best to look at each part individually, as follows:
Third Party Liability (TPL)
This will indemnify the Insured in the event of accident caused by or arising out of the use of the Motor Vehicle
against all sums including claimants costs and expenses which the Insured shall become legally liable to pay in
respect of:

Death and Bodily Injury

Damage to the Third Partys Property
Defense Fees

Comprehensive
This cover is divided into three sections. The most important sections deal, of course, with the damage to the
insured vehicle (Own Damage), the insureds Liability to Third Party (TPL) and the third cover reasonably theft
that may be included or excluded based on the choice of the insured.
Legal Liability of Passenger for Acts of Negligence
This will indemnify the Passenger in the event of accident caused by or arising out of the use of the Motor Vehicle
which the Passenger shall become legally liable to pay.
Provided that the Passengers Legal Liability for acts of negligence:

is not driving the Motor Vehicle or in charge of the Motor Vehicle for the purpose of driving
is not entitled to indemnity under any other Policy
Shall as though he were the Insured observe fulfill and be subject to the Terms of this Policy in so far as
they can apply.

Driver
This cover provides indemnity for death or bodily injuries to any person driving the car at the time of the
occurrence of the event out of which any claim arises. Circumstantially, driver is divided into three sections, first is
Unnamed Driver refers to any person who is driving under vehicle owners order or permission, second is
Authorized Driver (Named Driver/Paid Driver) refers to any person who is entitled to drive under vehicle
owners employ and the third is the Insured him/herself drives the car. And typically the compensation to these
sections may be different in the amount, terms and conditions (these will be shown in General Benefits
hereinafter).
SRCC (Strike Riot and Civil Commotion)
This cover provides indemnity for the damage to the insured car (OD); death or Bodily injury to any person being
carried (PL) in the car caused by Strikers, Rioters and Civil Commotion.