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HNB General Insurance MotorGuard now offers three distinct product coverages within your single motor insurance premium. By expanding the scope of our coverage, we aim to provide you with a comprehensive and all-encompassing solution that safeguards not only your vehicles but also yourself and your home.


Personal Accident Cover

Maximum coverage per person is limited to the insured value of the vehicle or Rs. 10,000,000/-, whichever is less.

Fire Dwelling House Insurance

Maximum coverage per dwelling house is limited to the insured value of the vehicle/dwelling house or Rs. 10,000,000/- whichever is less.

Lease Payments

If your vehicle repair period exceeds 30 days, we will pay 02 months of lease rentals up to Rs. 100,000/-

Cash Grant of Rs. 250,000/-

In the unfortunate event an accident causes a Policyholder’s demise, a Cash Grant of Rs. 250,000/- will be paid towards the children’s education if the spouse is unemployed.

No Claim Bonus Match

The second vehicle receives an upfront No-Claim Bonus (NCB) at the same percentage which the first vehicle is offered.

Learner Driver Cover

A free Learner driver Cover will be offered to the immediate family member of the Insured.

Free towing charges up to Rs. 10,000/- excluding motorcycles & three-wheelers

Taxi Allowances

A Taxi Allowance of Rs.1,500/- per day up to a maximum of 10 days (excluding the 1st 4 days after the accident), other than for Motorcycles & Three-wheelers

Emergency Expense Cover  

A cash grant will be paid if the vehicle is unmovable following an accident (subject to 2 events per year):                                                                                      
For motor cars - Rs. 2,000/-                                           
For other vehicles - 1,500/-

For more details, call HNB General Insurance on 011 4 883 883 or visit your nearest HNB General Insurance Branch

Refer to the policy document for benefits, exclusions, terms & conditions*