PERSONAL
CAR
INSURANCE
Why insure your car?

Vehicle insurance is compulsory in Mauritius. However, it’s up to every driver to choose their level of cover and the benefits that best suit their needs and budget. Beyond covering your third party liability and your own vehicle, you will need a reliable towing service provider, car occupants cover in case you have an accident or even in the event of misfuelling of your car. The protection that your comprehensive car insurance provides goes beyond just accident cover. It can give you peace of mind when you lose your car keys or when your vehicle has a mechanical breakdown.

COMPARE OUR
CAR INSURANCE PLANS

SCOPE OF COVER

ECO

Basic Third Party Cover

ESSENTIEL

Covers risks and standard services

EXCELLENCE

Comprehensive cover for your vehicle and its occupants with additional benefits

Own damage

Accidental Collision or over turning, malicious act, whilst in transit, fire, theft, riot, cyclone and some othersclimatic events. Death and Perm Disability up tu Rs 300 000Rs, medical expenses 50000 Rs

Third Party Liability

Death or bodily injury to any person UP TO RS 500,000,000
Damage to property UP TO RUPEES RS 50,000,000 in respect of any one claim or series of claims arising out of one event

COVER EXTENSIONS
Car Occupants (Passagers and conductor)

Passangers and conductor: 
Death up to Rs300 000, permanent disability up to Rs 300 000, medical = expenses Rs 50000
 

Loss of use

In case of loss or damage to the vehicle, a replacement car of equivalent engine capacity will be provided to the insured, or a cash settlement (50%).  
The maximum amount payable per day is defined according to the amount insured.
 

24/7 Towing / Breakdown Services (ADA et AAA)

Assistance services: express breakdown service, towing, battery restart, fuel service, drop off service (max 4 people), tyre service following a puncture

ADD-ONS EXTENSIONS
For cars of less than 5 years upon subscription of insurance
Replacement of Car Keys and lock transmitters

Loss or theft of the car key or vehicle lock covered up to Rs. 15.000.
Exemption of the excess for a period of 12 months from the date of commencement of cover.
 

Payment of Spare part Airfreight Expenses

Coverage of additional air freight costs for importing replacement spare parts unavailable up to Rs 15,000.

Replacement of Windscreen

Coverage of the cost of replacing a damaged or broken window, not subject to the excess for any vehicle less than 5 years old.

Personal Belongings in case of theft

Personal belongings in the insured vehicle are covered up to a limit of Rs. 15,000 (no deductible)

Vehicule Accessoires Not in Built

Non-original accessories covered against loss or damage up to Rs. 15,000 (no excess)

Damage by Rodents

Loss or damage caused by rodents covered up to Rs 20,000 (no excess).

Accidental Misfueling

Loss or damage resulting from misfuelling covered up to Rs 20,000 (no excess)

For cars of less than 1 year upon subscription of insurance
Refund up to 110% of sum insured

In the event of total loss of the vehicle within 12 months from the date of commencement of cover, the basis of indemnity will be the sum insured.
In case of an increase in the price of the vehicle on the local market, MUA will pay a total of 110% of the initial insured capital.
 

Refund Original Registration Fee

The insured value includes the registration fee (first registration in Mauritius) 
In case of total loss or theft of the vehicle, the amount of the first registration will be reimbursed to the insured, including the registration fee.
 

Waiver of Excess

In case of loss or damage resulting from accidental collection, theft or fire will not be applicable to the insured vehicle.

Loss of use: mechanical and/or electrical breakdown

Extended loss of use coverage to cover mechanical and electrical failures while the vehicle is being repaired due to engine failure.

*Excellence covers both private and commercial vehicles between 0-5 years at inception and remains in the plan lifetime.

Terms & Conditions Apply.

SCOPE OF COVER
ECO
Own damage

Accidental Collision or over turning, malicious act, whilst in transit, fire, theft, riot, cyclone and some othersclimatic events. Death and Perm Disability up tu Rs 300 000Rs, medical expenses 50000 Rs

Third Party Liability

Death or bodily injury to any person UP TO RS 500,000,000
Damage to property UP TO RUPEES RS 50,000,000 in respect of any one claim or series of claims arising out of one event

COVER EXTENSIONS
Car Occupants (Passagers and conductor)

Passangers and conductor: 
Death up to Rs300 000, permanent disability up to Rs 300 000, medical = expenses Rs 50000
 

Loss of use

In case of loss or damage to the vehicle, a replacement car of equivalent engine capacity will be provided to the insured, or a cash settlement (50%).  
The maximum amount payable per day is defined according to the amount insured.
 

24/7 Towing / Breakdown Services (ADA et AAA)

Assistance services: express breakdown service, towing, battery restart, fuel service, drop off service (max 4 people), tyre service following a puncture

ADD-ONS EXTENSIONS
For cars of less than 5 years upon subscription of insurance
Replacement of Car Keys and lock transmitters

Loss or theft of the car key or vehicle lock covered up to Rs. 15.000.
Exemption of the excess for a period of 12 months from the date of commencement of cover.
 

Payment of Spare part Airfreight Expenses

Coverage of additional air freight costs for importing replacement spare parts unavailable up to Rs 15,000.

Replacement of Windscreen

Coverage of the cost of replacing a damaged or broken window, not subject to the excess for any vehicle less than 5 years old.

Personal Belongings in case of theft

Personal belongings in the insured vehicle are covered up to a limit of Rs. 15,000 (no deductible)

Vehicule Accessoires Not in Built

Non-original accessories covered against loss or damage up to Rs. 15,000 (no excess)

Damage by Rodents

Loss or damage caused by rodents covered up to Rs 20,000 (no excess).

Accidental Misfueling

Loss or damage resulting from misfuelling covered up to Rs 20,000 (no excess)

For cars of less than 1 year upon subscription of insurance
Refund up to 110% of sum insured

In the event of total loss of the vehicle within 12 months from the date of commencement of cover, the basis of indemnity will be the sum insured.
In case of an increase in the price of the vehicle on the local market, MUA will pay a total of 110% of the initial insured capital.
 

Refund Original Registration Fee

The insured value includes the registration fee (first registration in Mauritius) 
In case of total loss or theft of the vehicle, the amount of the first registration will be reimbursed to the insured, including the registration fee.
 

Waiver of Excess

In case of loss or damage resulting from accidental collection, theft or fire will not be applicable to the insured vehicle.

Loss of use: mechanical and/or electrical breakdown

Extended loss of use coverage to cover mechanical and electrical failures while the vehicle is being repaired due to engine failure.

ESSENTIEL
Own damage

Accidental Collision or over turning, malicious act, whilst in transit, fire, theft, riot, cyclone and some othersclimatic events. Death and Perm Disability up tu Rs 300 000Rs, medical expenses 50000 Rs

Third Party Liability

Death or bodily injury to any person UP TO RS 500,000,000
Damage to property UP TO RUPEES RS 50,000,000 in respect of any one claim or series of claims arising out of one event

COVER EXTENSIONS
Car Occupants (Passagers and conductor)

Passangers and conductor: 
Death up to Rs300 000, permanent disability up to Rs 300 000, medical = expenses Rs 50000
 

Loss of use

In case of loss or damage to the vehicle, a replacement car of equivalent engine capacity will be provided to the insured, or a cash settlement (50%).  
The maximum amount payable per day is defined according to the amount insured.
 

24/7 Towing / Breakdown Services (ADA et AAA)

Assistance services: express breakdown service, towing, battery restart, fuel service, drop off service (max 4 people), tyre service following a puncture

ADD-ONS EXTENSIONS
For cars of less than 5 years upon subscription of insurance
Replacement of Car Keys and lock transmitters

Loss or theft of the car key or vehicle lock covered up to Rs. 15.000.
Exemption of the excess for a period of 12 months from the date of commencement of cover.
 

Payment of Spare part Airfreight Expenses

Coverage of additional air freight costs for importing replacement spare parts unavailable up to Rs 15,000.

Replacement of Windscreen

Coverage of the cost of replacing a damaged or broken window, not subject to the excess for any vehicle less than 5 years old.

Personal Belongings in case of theft

Personal belongings in the insured vehicle are covered up to a limit of Rs. 15,000 (no deductible)

Vehicule Accessoires Not in Built

Non-original accessories covered against loss or damage up to Rs. 15,000 (no excess)

Damage by Rodents

Loss or damage caused by rodents covered up to Rs 20,000 (no excess).

Accidental Misfueling

Loss or damage resulting from misfuelling covered up to Rs 20,000 (no excess)

For cars of less than 1 year upon subscription of insurance
Refund up to 110% of sum insured

In the event of total loss of the vehicle within 12 months from the date of commencement of cover, the basis of indemnity will be the sum insured.
In case of an increase in the price of the vehicle on the local market, MUA will pay a total of 110% of the initial insured capital.
 

Refund Original Registration Fee

The insured value includes the registration fee (first registration in Mauritius) 
In case of total loss or theft of the vehicle, the amount of the first registration will be reimbursed to the insured, including the registration fee.
 

Waiver of Excess

In case of loss or damage resulting from accidental collection, theft or fire will not be applicable to the insured vehicle.

Loss of use: mechanical and/or electrical breakdown

Extended loss of use coverage to cover mechanical and electrical failures while the vehicle is being repaired due to engine failure.

EXCELLENCE
Own damage

Accidental Collision or over turning, malicious act, whilst in transit, fire, theft, riot, cyclone and some othersclimatic events. Death and Perm Disability up tu Rs 300 000Rs, medical expenses 50000 Rs

Third Party Liability

Death or bodily injury to any person UP TO RS 500,000,000
Damage to property UP TO RUPEES RS 50,000,000 in respect of any one claim or series of claims arising out of one event

COVER EXTENSIONS
Car Occupants (Passagers and conductor)

Passangers and conductor: 
Death up to Rs300 000, permanent disability up to Rs 300 000, medical = expenses Rs 50000
 

Loss of use

In case of loss or damage to the vehicle, a replacement car of equivalent engine capacity will be provided to the insured, or a cash settlement (50%).  
The maximum amount payable per day is defined according to the amount insured.
 

24/7 Towing / Breakdown Services (ADA et AAA)

Assistance services: express breakdown service, towing, battery restart, fuel service, drop off service (max 4 people), tyre service following a puncture

ADD-ONS EXTENSIONS
For cars of less than 5 years upon subscription of insurance
Replacement of Car Keys and lock transmitters

Loss or theft of the car key or vehicle lock covered up to Rs. 15.000.
Exemption of the excess for a period of 12 months from the date of commencement of cover.
 

Payment of Spare part Airfreight Expenses

Coverage of additional air freight costs for importing replacement spare parts unavailable up to Rs 15,000.

Replacement of Windscreen

Coverage of the cost of replacing a damaged or broken window, not subject to the excess for any vehicle less than 5 years old.

Personal Belongings in case of theft

Personal belongings in the insured vehicle are covered up to a limit of Rs. 15,000 (no deductible)

Vehicule Accessoires Not in Built

Non-original accessories covered against loss or damage up to Rs. 15,000 (no excess)

Damage by Rodents

Loss or damage caused by rodents covered up to Rs 20,000 (no excess).

Accidental Misfueling

Loss or damage resulting from misfuelling covered up to Rs 20,000 (no excess)

For cars of less than 1 year upon subscription of insurance
Refund up to 110% of sum insured

In the event of total loss of the vehicle within 12 months from the date of commencement of cover, the basis of indemnity will be the sum insured.
In case of an increase in the price of the vehicle on the local market, MUA will pay a total of 110% of the initial insured capital.
 

Refund Original Registration Fee

The insured value includes the registration fee (first registration in Mauritius) 
In case of total loss or theft of the vehicle, the amount of the first registration will be reimbursed to the insured, including the registration fee.
 

Waiver of Excess

In case of loss or damage resulting from accidental collection, theft or fire will not be applicable to the insured vehicle.

Loss of use: mechanical and/or electrical breakdown

Extended loss of use coverage to cover mechanical and electrical failures while the vehicle is being repaired due to engine failure.

*Excellence covers both private and commercial vehicles between 0-5 years at inception and remains in the plan lifetime.

Terms & Conditions Apply.

HOW TO CHOOSE

THE RIGHT LEVEL OF COVER ?

MUA understands that every car owner has their own priorities when it comes insuring their vehicle. We have designed 3 levels of cover adapted to your needs and budget, offering a variety of benefits. You have the possibility to choose between 3 formulas:
 

  • Eco covers your third party liability
  • Essential covers your vehicle, its occupants and your third party liability
  • Excellence a comprehensive insurance package for complete peace of mind for you and your family when you’re on the road


The Excellence option provides a full range of covers and benefits, and is ideal if you are insuring a new vehicle. The additional covers include windscreen replacement, personal belongings in case of theft and you’re even covered in case of damage caused by rodents.

INSURE AT THE MUA
Client Portal

An easy to use client portal that allows you to manage and renew your insurance, make and track your claims and make payments from the comfort of your home. No-claim bonus: you receive a discount on your premium at renewal if you have not had any accidents in the last 12 months.

Simple and easy claims process

Simple and easy claims process, that incorporates an innovative concierge service for repairs after an accident.

Up to 100% discount on your excess

Up to 100% discount on your excess if you have an accident, you are not at fault and you choose one of our approved garages for your repairs.

Up to 110% of the value of your new vehicle reimbursed

Up to 110% of the value of your new vehicle reimbursed in the event of a total loss

TUTORIAL
Discover our tutorials and videos
ACCREDITED
GARAGES

Insurance that having so many advantages in case of an accident.

 

DISCOUNT ON YOUR 'EXCESS'.


Following an accident, benefit from a discount of up to 100% on your 'excess' by choosing one of our approved garages for the repair of your car.

Would you like to insure
other types of vehicles ?
Do not hesitate to contact us !

OTHER PRODUCTS
HOME INSURANCE

Whether you own or rent, a good home insurance is essential.

HEALTH INSURANCE

Protect yourself and your family with a good health insurance.

MUTUAL FUND

A Mutual Fund pools together money from different investors, which is then used to invest in a variety of asset classes, such as shares, bonds and real estate.