Third Party Liability including: -Material Damage (only): Up to USD 1,000,000

Own Damage: Up to the market value of the vehicle at the time of the accident
Fire: Up to the market value of the vehicle at the time of loss
Total Theft: Up to the market value of the vehicle at the time of loss, with NO deductible
Hold-Up: Up to the market value of the vehicle at the time of loss, with NO deductible

Personal Accident Cover for the Driver and Passengers (Family Members):

• Death & Permanent Disability: Up to USD 25,000 per person for VMV above USD 50,001
• Death & Permanent Disability: Up to USD 10,000 per person for VMV USD 50,000 and below
• Medical Expenses: Up to USD 10,000 per person for VMV above USD 50,001
• Medical Expenses: Up to USD 5,000 per person for VMV USD 50,000 and below

Driver Age: Driver’s age between 18-21 years should be approved by Fidelity or Family to be insured with Fidelity.

• No claim is covered for driver and insured age below 21 years if the vehicle market value is between USD 50,000 and USD 100,000
• No claim is covered for driver and insured age below 26 years if the vehicle market value exceeds USD 100,000
• At least 26 years for Porsche vehicles
• At least 30 years for Sports, luxurious and similar vehicles
• Deductible of USD 100 will apply on own damage in case the drivers’ driving license has been valid for less than 1 year

SRCC & Terrorism: Covered up to 10% of vehicle value Compensation on agreed market value for the first 12 months of the brand-new vehicle (0 Km)
Hail, Storm, Tempest & Flood:

• Storm, Tempest & Flood are covered up to the market value of the vehicle
• Hail is covered up to 10% of the market value of the vehicle

Litigation Expenses: Up to USD 5,000 annual aggregate limit
Partial Theft: Up to USD 10,000 including the amount of USD 500 for personal belongings once per policy period (police report is a must)
Agency Repair: Not applicable

Replacement Car in Case of a Covered Accident provided by Fidelity Once, Subject to Submission of Expert Report:

• The car provided will be of equal value and the payable amount will be up to:
• USD 25.- per day for Vehicle Market Value between USD 20,000 and USD 50,000 for 10 consecutive days
• USD 50.- per day for Vehicle Market Value between USD 50,001 and USD 100,000 for 10 consecutive days
• USD 75.- per day for Vehicle Market Value between USD 100,001 and USD 300,000 for 10 consecutive days

Replacement car
In case of Total Loss, the company will pay USD 1000.- as replacement car for vehicle >= USD 50,000 subject to providing the company with the original invoice.

Reimbursement of Registration Fees
Up to 10% of the indemnity as registration fees (subject to be added in the Car Value upon issuance and submission of invoices prior to claim settlement) - (optional)

Depreciation on New Spare Parts

• For year of make 2020 and above no depreciation will apply on new spare parts in case used ones are not available in the market.
• For year of make 2019 and below 10% depreciation applies for the first year then 5% per year up to 50%.

No Depreciation on Airbags
Depreciation In Case of Total Loss: 1% per month with a maximum of 10% starting 2nd year of Vinyl is covered
Total Loss Consideration: When the cost of repairs reaches or exceeds 65% of the market value at time of accident.
Unlimited Free Road Assistance Coverage on all Lebanese Territory