Third Party Motor Insurance

What is covered?

Under the Third Party Liability Insurance Policy, we are more than delighted to help you in;

  • Damages caused to the Third Party’s motor vehicle during an accident.
  • Partial and Permanent damages caused to the Third Party.



The premiums for our Third Party Liability Insurance plan is as follows

Motor cycles

Up to 50 CC

MVR 150

From 50 to 250 CC

MVR 175

Above 250 CC

MVR 400


Private Cars

MVR 750

Hiring Cars

MVR 1000

Other 4 Wheel Vehicles


MVR 1000

Hiring Vehicle

MVR 1500


MVR 2000


What are the rates of compensation?

Our company’s policies are designed to cater your needs during the cause of an accident. We will be providing you with the following compensations, per accident, within your policy period.

  • A maximum cover of MVR 40000 for the property damages of the Third Party.
  • A maximum cover of MVR 60000 for partial and permanent disabilities to the Third Party.


How will the repairs be made?

You may choose a preferable method at your convenience on how your vehicle can be repaired.

  • Make sure you collect three quotations from three different garages and when submitted to our company, we will finalize the most feasible option. Once the garage is being selected, you may repair from them and submit the bills to us for reimbursement.


  • Let our company assist with the vehicle repair by arrangements under our company.



Deductible is the portion of the claim under an insurance policy that you are liable to pay.

Our company will bear the costs above the deductible and below the sum assured (total cover of the policy)

Below is how deductibles are charged under our Third Party Liability insurance Policy:

  • A deductible of MVR 2500 will be charged on the property damage incurred by the Third Party.
  • No deductible will be charged on the partial or permanent damages incurred by the Third Party.


Important to know

  • Both policies under motor insurance shall not compensate the damages caused at your own risk.
  • The compensation covers only permanent or partial damage incurred by the Third Party. We shall not compensate for any other minor injuries.
  • In case of the death of the Third Party, we assure you the provision of MVR 60,000 compensation to the Third Party’s family.


Submitting applications

When applying for Third Party Liability Insurance plan, along with a completed motor insurance form, a copy of your National ID card as well as a copy of your Vehicle Registration will be required.


When making a claim

The following are the procedures which shall be followed when submitting an insurance claim.

  • Report immediately to Maldives Police Services and Allied Call Centre.
  • Do not repair the vehicle until instructed to do so by our company.
  • If any damage is caused to the vehicle/property, ensure to collect the accident report from Maldives Police Service.
  • Accident report would be ready within 48 hours of the accident.
  • A claim form shall be submitted. Along with this form an accident report and three quotations are required from three different garages.
  • Our examiners will do further analysis of the incident based on the presented documents to check how much to be paid as compensation. 



Next Steps?

  • For further information Call: 1600 Email:

News and Updates

  • Allied Insurance strengthens their CSR Initiative with New Pledges

    Allied Insurance Company of the Maldives launches new pledges under CSR initiative “Green for Good”. Reaffirming commitment for an environment friendly workspace. The new pledges were launched at the Opening Ceremony of 10to10 Dive held in Angsana Ihuru by Banyan Tree Group’s Sustainability Director and Banyan Tree Global Foundation’s Coordinating Director Dr. Steve Newman.

    August 31st, 2019
  • Allied Insurance successfully concludes FAIR Medical Conference & Healthcare Congress 2019

    Allied Insurance Company of the Maldives successfully concludes the first “FAIR Medical Conference and Healthcare Congress” held in collaboration with Federation of Afro-Asian Insurers and Re-insurers (FAIR) on 22nd - 24th July 2019. This two-day event was held in Paradise Island Resort, under the theme “A World of Opportunities”.

    July 25th, 2019
  • Ayady Takaful commences “2017 Surplus Distribution”

    Allied Islamic window; Ayady Takaful holds a press briefing session regarding “Distribution of Surplus” for the year 2017. As announced at Allied Special Event 2019, Ayady customers can submit claim forms till 31st March 2019, 4pm. Surplus application forms will be available online from Ayady website; as well as from Ayady Customer front office located in H.Orchid (In front of Velaanaage)

    February 11th, 2019