Smart Flex Motor Insurance

A freedom to choose your own car coverage with more affordable premium customized to your needs.

Cover your car damage caused by road accident, collision, fire, glass breakage, overturning and theft.
Included your Third Party Liability cover in this package available in 3 options.
You can set your own insurance price base on the budget that you have or insured base on the value of car.
Insurance premium is getting lower for the high valued car comparing to the current Own Damage Motor Insurance.
New or used car up to 10 years is able to apply.
When you have accident, you can select to repair your car at any garage service center.

•  The value of your car starting from 40 million KIP.
•  Your own budget starting from 3,650,000 KIP/year or 10,000 KIP/day.>
•  Quarterly, semi-annually or annually installments are available.

After one year contract, if your car has no accident and no claims, you will get the following discount:

Yearly renewal	No claim bonus	Accident occurs during yearly period of contract
After 1 year After 2 year After 3 year	10% 20% 30% (Maximum)	If accident occurs during the yearly period of contract and your responsibility is engaged in the claim, your bonus will be reduced one step per accident until it reaches the initial premium of new contract

•  New or used car or according to the inspection by our garage network.
•  Photos of the car are needed.
•  Photos & car inspection will be done by our garage network.

      Cover and tariffs of Smart Flex (Eng version)