The Milady Motor Standard offers the same benefits as Milady Motor Premium, albeit at lower benefits and lower premium rate.


Rates and Minimum Premiums

  • Rate – 5.00% of vehicle value/Sum insured
  • Minimum Annual Premium – $300


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

CoverBenefit Limit
Third Party Property Damage$15 000
Third Party Bodily Injury$20 000
Authorised Passenger Liability$20 000/ $1 000 per passenger
Unauthorised Passenger Liability$20 000/ $1 000 per passenger
Medical Expenses$300
Legal Expenses$500
Contingent Liability$1 500
Self-Authorising Limit$300
Car Seat$200
*Road side AssistanceVarious affordable options available to choose from


The excesses applicable for Milady Standard Motor Standard are shown below.

Own damage: Partial loss10% of loss minimum $100
Own Damage: Total loss3% of sum insured
Theft of accessories/parts25% of loss
Windscreen Damage33.3% of contribution
Young inexperienced driver2.5% of loss
Loss outside Zimbabwe5% of value

What you need to apply

Claims Requirements

  1. Fully Completed Motor Claim form
  2. Copy of Drivers Licence (Front and Reverse Side)
  3. Three repair/replacement estimates.
  4. Police Report