Enhanced Third Party Motor insurance

The NEM Enhanced Third Party Motor Policy is an initiative by NEM Insurance Plc designed to offer coverage for third-party liability with limited benefits for own damage to the insured.

Customers will receive comprehensive coverage for third-party liabilities and additional benefits for their own damage, provided it is a result of an accident involving a third party. This condition is essential for the insured to access the add-on benefits within the coverage.

The policy is crafted to address the needs of our expanding retail customer base, particularly those who may find it challenging to afford the premium rates associated with full comprehensive or Third Party, Fire & Theft options.

Policy Variant

NEM Enhanced Third Party Type A (ETP-Type A):

This option provides coverage for vehicles used exclusively for private purposes.

NEM Enhanced Third Party Type B (ETP-Type B):

This option provides coverage for privately used buses and pick-ups by individuals or corporate bodies such as companies and schools, specifically for transporting their staff and students. It is not intended for hire or public purposes. The vehicle's capacity ranges from small passenger vehicles constructed or adapted to carry up to 18 passengers.

NEM Enhanced Third Party Type C (ETP-Type C):

This plan provides coverage for goods-carrying vehicles privately owned by individuals or corporate bodies for private use in transporting goods related to the insured business or profession only. It is not for commercial use or hiring purposes. The coverage does not extend to heavy truck vehicles.