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This class is divided into three levels, namely:

Click here to download the Private Motor Insurance brochure.


The ESRIC superior Comprehensive Motor Insurance relatively covers all types of losses or damages except for what is explicitly excluded. The key features include the following:

To give our clients value for their money and to consolidate our position as the foremost provider of insurance services in Eswatini, we have enhanced our Private Motor Insurance Product Offering with extensions which effectively extend the scope of cover traditionally given on standard private motor insurance universally. These extensions have been added at no cost to the Insured and are fully explained below;

Free Towing Services

Following accidental damage rendering insured vehicle not drivable, the insured vehicle will be towed to safety and kept for free pending repairs. The persons travelling in the damaged vehicle will be driven to safety for free.

Free Windscreen Cover

This covers accidental damages to windscreen, rear window and side windows and the insured claims for replacement of damaged item without losing accumulated claim free bonuses.Insured contributes nominal amount against total cost of repairs/replacement.

Free Emergency Accommodation Cover

Following accidental damage rendering vehicle not drivable, theft or hijack of insured vehicle, insured is entitled for reimbursement up to a limit of E1, 000.00 for accommodation expenses in any one claim.

Free Emergency rental Cover

Following accidental damage rendering vehicle not drivable, theft or hijack of insured vehicle outside Eswatini, insured is entitled for reimbursement up to E1 500.00 for car rental expenses per incident.

Free Trauma Counselling Cover

The insured is covered for trauma counselling up to a limit of E2 500.00. This must be consequent a serious accident and must be conducted by a registered and practising psychologist.

Free Funeral Cover

Insured is covered for E5000 in respect of funeral expenses following death in or on the insured vehicle consequent a motor vehicle accident.


Our Car Hire Extension is divided into;

Standard Option

This will enable policy holders whose vehicles have been involved in accidents, stolen or written-off to hire vehicles for the duration of 21 days while processing the claim.

Enhanced Option

In addition to what is provided under our standard option we shall hire vehicles for our insured following these events;

The extensions come at a minimal cost as tabulated below;






Group L

Manual 1.3 Hatchback, Radio, CD

21 Days



Group B

Manual 1.4/1.6 Radio, CD, Aircon, Power Steering

21 Days



Group C

Automatic 1.6 Radio, CD, Aircon, Power Steering

21 Days



Charges for Customer’s Account

Rates Include;

Discount Options.

Our private motor insurance has a number of discount options available allowing our valued clients to restructure the annual premium to affordable levels. These include the following;

Required specific documents when taking up an insurance policy;

What is required when insuring import vehicles?

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