Question 1

What is generally covered in a car insurance policy?

Accepted Answer

Depending on the type of cover chosen, some of the most common services that may be included in a car insurance policy are: repair assistance; towing and crane assistance; flat tire assistance; battery and engine restart assistance; lost or locked key assistance; and fuel recharging assistance.

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Question 2

What is excluded in a car insurance policy?

Accepted Answer

There may be services like offroad insurance, agency repair, personal accident cover , personal belongings cover that may not be covered in a car insurance policy. However, these services can be availed by paying an additional costOther factors and scenarios may invalidate your claim and, in turn, your right for coverage. They include:Driving without a licenseDriving under the influenceOverloading the vehicle beyond specified capacityWithholding or intentionally providing misleading informationIntentionally damaging the car by initiating an accidentUsing the vehicle for any purpose other than that mentioned expressly in the insurance policyFilling a claim three years after the incident

Question 3

What are the types of car insurance in Lebanon?

Accepted Answer

Compulsory car insurance (Elzeme)Compulsory car insurance (Elzeme) is required by law in Lebanon to be able to register your care or renew its registration license. It does not cover material damage and may be topped up with third-party and other types of insurance to ensure full coverage. Third-party car insurance Third party car insurance covers damages to the other person(s) car or property in a car accident – offering considerable cost savings for repair services following an accident. All risk car insuranceAll risk car insurance in Lebanon covers insured vehicle from damages due to incidents such as road accidents and fire. It covers own damage (damage of your own vehicle resulting from accidents, collisions, theft, fire, vandalism; total loss; and partial loss) as well as third-parties (In a car accident). For fuller protection, you can add on various other covers such as 24/7 roadside assistance, natural disaster cover.

Question 4

What additional covers can I include in my car insurance policy?

Accepted Answer

At an extra cost, you may add on the below covers that can make your policy more beneficialPersonal Accident Cover – A great option if you opt for Third-Party Liability Insurance, ensuring personal damage to yourself and passengers in your vehicle are also covered.Personal Belongings Cover - In case of vehicle theft, you will be compensated for your car and for any personal belongings in the vehicle at the time of theft.Agency Repair - You can choose for your car to be repaired by the original manufacturer workshop.24 x 7 roadside assistance - Another great feature in case your vehicle breaks down and requires immediate support. Natural Calamity Cover - Covers for damages which are out of human control such as earthquakes and storms. Off-road insurance - coverage for any damage you might incur in your off-road adventures.Medical emergency expenses cover - In case of an accidental injury caused to the driver or a third party, this cover pays for an ambulance, medical costs, and emergency treatment(s).

Question 5

What should I keep in mind when purchasing car insurance online?

Accepted Answer

Type of policy: understand the fine print and coverage limitations for the policy type you’ve chosen.Insured Declared Value (IDV): IDV the maximum sum insured fixed by the insurer which is provided on theft or total loss of the insured vehicle. Make sure the IDV is aligned with the market value of your car. Claim settlement ratio (CSR) of the insurance provider: the CSR is the percentage of claims that an insurance company settles in a financial year. The higher the CSR, the better the company in terms of claims settlement. Add-ons: Choosing the most beneficial add-ons will make your policy more useful, boost the claim payouts, and reduce your out-of-pocket expensesPremium vs. coverage offered: Always compare what you’re getting out of your car insurance policy with what you’re paying for it. Network of cashless garages in Lebanon: If you want to increase the probability of availing cashless settlement of claims, then the insurance provider should have tie-ups with major cashless workshops and garages across Lebanon.

Question 6

How do I file a car insurance claim in Lebanon in the event of a road accident?

Accepted Answer

Filing a claim is a two-part process. Both the policyholder and the insurance provider must do their part. When you buy your car insurance policy on Compare360, all you need to do is contact our car insurance experts at +961 81 444 360. File a police report: immediately call the police to file an official report that you will need to attach to your claim. An official police report is crucial to support your claims process with a clear and unbiased account of the collisionTake photographs: If you aren't heavily injured and have taken care of your co-passengers, you should take photographs that prove to be evidence of the damage to your car – as well as photographs of your surroundings to map out the collision's situation.Inform your car insurer or call Compare360: Having your insurance provider in the loop is also imperative because they can help you collect information about the claim, and advise on the documents and evidence they need. Don’t accept any settlement: Do not, under any circumstances, accept an offer from any party or sign any waivers without consulting your lawyer or your insurance provider. Save all receipts and documents: Ensure you have all the receipts and documents ready for your claim –  from towing to repair to medical expenses – as these are crucial to determine the amount of compensation to which you are entitled.

Question 7

How can I get affordable car insurance in Lebanon?

Accepted Answer

Get your policy on Compare360: compare competitive quotes from top providers .Optimized coverage: Choose the right type and limit add-ons to the ones you need.No-claims discount: Get rewarded for little to no claim history with a lower premium. Bundle insurance: buy more than one policy (i.e., health, travel, and car insurance) from the same provider to benefit from an overall discount on your premium Higher deductible:  Insurance deductibles are the amount you decide to pay out of your own pocket in case of a claim. By opting for a higher deductible, you can lower the premium – with the risk of limited protection in the case of a claim and higher payments for emergencies.

Question 8

What are the documents needed to purchase car insurance in Lebanon?

Accepted Answer

While the exact needs may vary between car insurance providers, below are some general documents and information you may be asked for:Vehicle registration certificate Valid identification document (Passport or any other national ID)Valid driver’s licensePrevious insurance policy(ies) and related information (i.e., provider, policy number, and claims)

Question 9

What are the factors affecting car insurance premiums in Lebanon?

Accepted Answer

There are numerous factors that can affect how affordable or expensive car insurance premiums can be. They include:Driver's ageDriver's location (i.e., areas with higher likelihood of accidents, vandalism, or theft may command higher premiums)Vehicle specifications like make, model, and number of cylinders.Vehicle market valueClaims history of the vehicle ownerDriving experience of the insurance holderVehicle usage (i.e., whether the vehicle is used for commercial or personal purposes)

Question 10

What does total loss car insurance usually cover?

Accepted Answer

Market value reimbursement In the event of a total loss, the insurance company will reimburse you for the market value of the insured vehicle at the time of the loss. This amount is usually determined based on factors like – vehicle’s age, vehicle’s condition, and market price. Third-party liability Total loss car insurance in Lebanon often includes coverage for third-party liability, which covers the damages and injuries caused to the other parties involved in an accident. Personal accident coverage Some total loss car insurance policies in Lebanon provide coverage for medical expenses or accidental death benefits of the driver and the passengers in the insured vehicle. Towing and roadside assistance Most total loss car insurance policies in Lebanon include coverage for towing services in case your vehicle breaks down due to an accident or another incident. Roadside assistance is also provided for services like tire changes, fuel delivery, and lockout assistance. Repair coverage In some cases, total loss car insurance may also cover partial damages or repairs to your vehicle, even if it doesn’t meet the threshold of a total loss. The exact coverage may vary depending on individual policies and insurance providers.

Question 11

What is total loss car insurance?

Accepted Answer

In Lebanon, total loss car insurance is a type of coverage that provides financial protection for your vehicle in case of a total loss. Total loss typically refers to a situation where the cost of repairing a damaged vehicle exceeds a certain percentage of its market value, making it uneconomical to repair.As a result, the insurance company will reimburse you for the current market value of your vehicle in the event of an incident that results in total loss. This can include accidents, theft, fire, natural disasters and other specified events depending upon the terms and conditions of your insurance policy.

Question 12

What is usually excluded from a total loss car insurance policy?

Accepted Answer

Certain situations, incidents, and damages may not be covered by your total loss car insurance policy. They include:Wear and tearUnlicensed or unauthorized driversOff-road useUnapproved modificationsWar or terrorismMechanical or electrical failuresIntentional actsNegligence or illegal activities

Question 13

What documents do I need for my compulsory car insurance?

Accepted Answer

While some providers may ask for additional documentation, the following documents are generally required:Vehicle registration certificate Valid driver’s licenseProof of addressValid identification document (Passport or National ID)Previous insurance policy (if any)

Question 14

What is compulsory car insurance (Elzeme)?

Accepted Answer

Compulsory car insurance (Elzeme) is required by law in Lebanon to be able to register your care or renew its registration license. It does not cover material damage and may be topped up with third-party and other types of insurance to ensure full coverage.

Question 15

What are the benefits of third-party car insurance?

Accepted Answer

Provides material coverage for third-party damages in case of an accident which saves you from cost of repair of other’s damages.A more affordable alternative compared to all risk car insurance.

Question 16

What documents do I need to buy third-party car insurance in Lebanon?

Accepted Answer

Vehicle registration certificateValid driver’s licenseProof of addressValid identification document (Passport or National ID)Previous insurance policy (if any)Depending on the policy requirements, some insurance companies can ask for more documents.

Question 17

What is third-party car insurance?

Accepted Answer

Third party car insurance is a type of car insurance in Lebanon that covers damages to the other person(s) car or property in a car accident. It’s an economical alternative as compared to all risk car insurance.

Question 18

What does third-party car insurance cover?

Accepted Answer

While cover may vary from one insurer to another, third-party car insurance typically covers the following components:Compensation for bodily injury or death to a third partyCompensation for damage to third party’s property or vehicle caused by the policyholder’s vehicle

Question 19

What is generally excluded from a third-party car insurance policy?

Accepted Answer

Injuries/damages caused to the insurance policyholder or their vehicle during an accidentContractual liabilityAny damage caused due by situations like an ongoing war, war-like situation, or nuclear risk.Accidental death or any injury to the owner of the insuredAbsence of a valid driving licenseIntentional injury or damageAccidents caused by driving under the influence of drugs and/or alcohol

Question 20

What is all risk car insurance?

Accepted Answer

All risk car insurance is a type of car insurance in Lebanon that’s designed to cover you from any financial or legal liability whether bodily or material, arising due to a car accident.

Question 21

What does all risk car insurance cover?

Accepted Answer

Own damage: Cover for damage of your vehicle resulting from accidents, collisions, theft, fire, and vandalism, among other threats. It may also include compensation for bodily injuries or death due to an accident. Total loss: Compensation for total loss or theft of your vehicle, up to its insured value is provided in all-risk car insurance in Lebanon. Partial loss: Cover for repairs or replacement of damaged parts of your vehicle due to an accident. Third-party liability: Cover for material damages, bodily injuries or death to any third party person(s), property or vehicle in an accident. Additional coverage: Add-ons may be included at an extra cost. They may include coverage for personal accident or injury; towing; cover for damage to the insured vehicle’s glass (i.e., windshield, windows), and cover for natural disasters (i.e., earthquakes, floods). It is important that you go through all the terms and conditions of the all-risk policy to know particular inclusions and exclusions provided by the insurance company. Different insurance companies may have slight variations in coverage and policy details.

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