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Allianz Insurance Laos provides a comprehensive range of insurance products tailor for all individual and corporate clients. These 16 products are grouped into three main categories, motor insurances, health and life insurances and property and casualty insurances.

Let’s discover what Allianz provides within the first big category, motor insurances. Allianz Insurance Laos offers indeed the most comprehensive motor insurance coverages articulated in three different products that need to be taken into consideration for a better understanding.

SMART FLEX Motor Insurance is the first we consider since it helps to protect your vehicle against various risks, driving with a peaceful mind on every journey. This insurance provides you with a freedom to choose your own car coverage with a more affordable premium customized to your needs. These include full coverage, that covers your car damage caused by road accident, collision, <BREAK CONTENT  (insert trackable link here) click here for more> fire, glass breakage, overturning and theft, and third party liability coverage. In addition you can set your own price on the budget that you have or insure based on the value of the car and the price is cheaper for a high valued car. This insurance is applicable for new or used cars up to 10 years.

The second product we bring to your attention is the Worry Free Driving Motor Insurance (WYFI) which lets you enjoy the pleasure of driving without worrying about any damages or expenses incurred from a car accident as your car will be covered whichever you're right or fault. 

Benefits in the contract are 4. The first is the vehicle damage cover resulting from a collision accident with a motor vehicle either you are right or at fault with maximum coverage up to 40 million kip per accident. Then there are accident cover for body injury and death for driver and passengers, and Third Party Liability Coverage with highest TPL option (including: Medical expenses, Death compensation to victim's family, Death and Permanent disability, Materials damages and Legal defense cover). The final benefit is the possibility of choosing to add deductible to your contract.

The last package in the motor area is the Third Party Liability Motor Insurance (TPL). As you know, by legal binding, all vehicles circulating in Lao PDR must have insurance to cover their victims in case of road accidents. Whether you are the owner or driver of a vehicle such as a tuk-tuk, a motorbike, a car, a pick-up or a truck with a very experienced and cautious driver, you may be involved in a traffic accident and there may be victims of bodily injuries or loss of life. Allianz Insurance Laos Third Party Liability Motor Insurance covers your expenses that may occur in the event of experiencing car accidents in addition to any resulting property damages or physical injuries or death.

Allianz Insurance will reimburse to the other parties for medical and hospital costs in case of injury, permanent disability, death compensation to the victim's family and damage to property (e.g. vehicle, object, animal and/or transported goods). Please note that the Third-Party Liability Insurance will only cover the damages obtained by a third party resulting from an accident in which you are responsible but not your vehicle.

After this brief roundup of road safety insurances, we are convinced that Allianz really knows where to go by grasping the real needs of customers in moments of greatest difficulty. We invite you to discover the world of Allianz through their website, our channels and our contact forms so that we can assist you both for more information and for subscriptions.

Do not stop following us on our networks, in the coming days let’s discover together the other types of insurance that Allianz offers in our country. Namely Life & Health Insurance which provides you with the sufficient cover to your health & life, and Property & Casualty that protect your property and business from any incident.