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.

Cover Benefit 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
Handbag $200
Car Seat $200
*Road side Assistance Various affordable options available to choose from


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

Risk Excess
Own damage: Partial loss 10% of loss minimum $100
Own Damage: Total loss 3% of sum insured
Theft of accessories/parts 25% of loss
Windscreen Damage 33.3% of contribution
Young inexperienced driver 2.5% of loss
Loss outside Zimbabwe 5% 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