Private & Commercial Vehicle Insurance
Protection for personal cars, family vehicles, business vehicles, delivery vehicles, and small commercial use, including third-party liability and optional coverage for your own vehicle.
Usage
Which vehicle use fits you?
Private Vehicle
Choose this if the vehicle is used for personal, family, or company operational purposes and is not directly used to generate income. This may include commuting, school drop-off, shopping, company visits, staff transport, site visits, or general business operations.
Commercial Vehicle
Choose this if the vehicle is directly used to generate income, such as paid delivery, passenger transport, rental, hire, transport of goods for payment, or other revenue-generating activities.
Final product selection and coverage may depend on vehicle type, registration, and actual usage. Our team can help confirm the suitable option.
What's Covered
Review the basic coverage included in the plan, then choose optional coverage based on your personal or business vehicle needs.
Third Party Liability
Third Party Bodily Injury
Covers your legal liability for bodily injury or death caused to another person by the insured vehicle.
Third Party Property Damage
Covers your legal liability for accidental damage caused by the insured vehicle to another person's property.
Legal Costs
Covers eligible legal expenses related to a covered third-party liability claim.
Your Property
Own Damage
Towing fee included
Covers accidental loss or damage to the insured vehicle, including eligible towing expenses.
Theft
Covers loss of the insured vehicle if it is stolen, subject to the policy terms.
Flood
Covers accidental damage to the insured vehicle caused by flooding.
SRCC
Strike, Riot & Civil Commotion
Covers damage to the insured vehicle caused by strike, riot, or civil commotion.
You and Passenger
Passenger Liability
Covers legal liability for bodily injury to passengers arising from an accident involving the insured vehicle.
Accident to Driver
Provides benefits for the insured driver in case of accidental death or covered medical expenses.
What's Not Covered
These are key situations where coverage may not apply. Please review them carefully before choosing your coverage.
General Exclusions
No license, expired license, or wrong category of license, subject to Cambodian Land Traffic Law.
Under the influence of alcohol or drugs.
Use for an unlawful purpose.
Driven by any person other than an authorized driver, or a person driving on your order or with your permission.
War.
Used for or being tested in preparation for any motor sport or competition.
If, in the event of any accident or breakdown, your vehicle is left unattended without proper precautions.
If your vehicle is driven in an unroadworthy condition before the necessary repairs are affected.
Incurred outside of the Kingdom of Cambodia.
Arising from ionizing radiation or contamination by radioactivity from any nuclear fuel or nuclear waste.
Arising from nuclear weapons and materials.
Third Party Exclusions
Injuries or damage outside carriageways during loading or unloading.
Injury to employees in the course of work.
Injury to passengers in, on, or alighting from the vehicle.
Damage to bridges, roads, or viaducts by vibration or weight.
Explosion of a boiler on the vehicle, unless legally required.
Damage to property under the insured's custody or control.
Claims outside Cambodia.
Legal costs not recoverable in Cambodia.
Own Damage Exclusions
Consequential losses.
Depreciation, wear and tear, rust, or corrosion.
Mechanical or electrical breakdowns, except windscreen or glass breakage.
Tire damage unless the vehicle is also damaged.
Cheating or criminal breach of trust.
Computer date malfunction, including Y2K-type errors.
Overloading or strain.
Boiler explosion on the vehicle.
Is This Right for You?
Choose the vehicle-use category that best matches how the insured vehicle is normally used.
Private Vehicle
Personal & Family Use
The vehicle is mainly used for personal travel, commuting, school drop-off, shopping, family trips, or other household activities.
Company Operational Use
The vehicle is used for business visits, company operations, service work, or employee transport, without being used to directly generate income.
Commercial Vehicle
Delivery & Transport of Goods
The vehicle is used to deliver products, transport goods, or support paid delivery services.
Passenger Transport & Income-Generating Use
The vehicle is used for paid passenger transport, rental, hire, or other activities that directly generate income.
The appropriate category depends on the vehicle's actual use, registration, and policy terms. Our team can help confirm the suitable option.
Ready to Request a Quote?
Fill in your details below and our team will contact you to discuss a suitable plan for your vehicle and needs.
Support When You Need It
From the day you get covered to the moment you need support, our claims team is ready to guide you through the claims process.
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