The Milady Motor Premium offers comprehensive car insurance which is an all-inclusive, all-encompassing insurance policy that will cover vehicles against all risks and perils. It also covers for policyholder’s damage as well as the damage, costs and expenses of any third party in the event of an accident.

In addition, it offers :

  1. Medical cost cover
  2. Legal cost cover
  3. Handbag cover
  4. Car seat cover


Rates and Minimum Premiums

  • Rate – 5.5% of value of vehicle/Sum Insured.
  • Minimum Annual Premium – $300


The benefit limits of the Milady Motor Premium are shown below.

CoverBenefit Limit
Third Party Property Damage$20 000
Third Party Bodily Injury$20 000
Authorised Passenger Liability$20 000/$2 000 per passenger
Unauthorised Passenger Liability$20 000/$2 000 per passenger
Medical Expenses$500
Legal Expenses$1 000
Contingent Liability$2 000
Self-Authorising Limit$300
Handbag cover$300
Car Seat$400
*Road side AssistanceVarious affordable options available to choose from



Excesses Applicable

The excess per risk for Milady Motor Premium are shown below.

Own damage: Partial loss10% of loss minimum $50
Own Damage: Total loss3% of sum insured
Theft of accessories/parts25% of loss
Windscreen Damage33.3% of contribution
Young inexperienced driver2 % of loss
Loss outside Zimbabwe4% of value