Motor Insurance

Motor Third Party Insurance

Drive with confidence wherever the road takes you. Stay protected from accidents, damages and third-party losses — all from the Avas app.

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Motor Third Party Insurance
Motor plan in Avas app

What's covered

Clear limits, no surprises. Here is exactly what your Motor Third Party policy covers.

CoverageMVR
Third-Party Bodily Injury / Death
MVR 60,000.00
Third-Party Property Damage
MVR 40,000.00

A MVR 2,500 excess applies to third-party property damage claims.

Choose Avas

Insurance made effortless, straightforward to purchase, hassle-free to manage, and reliable when it matters most.

Legal Compliance

Motor third-party insurance is mandatory in the Maldives. Stay compliant and avoid fines with a valid Avas policy.

Third-Party Protection

Covers your legal liability for injury, death, or property damage caused to third parties in an accident.

Instant Activation

Policy is active the moment you complete purchase. Drive away covered within minutes, not days.

Affordable Premiums

Competitive pricing tailored for the Maldives. Meaningful coverage without the heavy price tag.

How it works

Three steps to get covered, no paperwork, no branches.

01

Enter Vehicle Details

Open the Avas app press Insurance and choose Motor Third Party Insurance and fill the form through the app.

02

Review & Purchase

Confirm the plan, pay securely inside the app, and receive your digital policy immediately.

03

Drive Protected

Your policy is active from the moment of purchase. Manage and track everything from the app.

Frequently asked questions

Everything you need to know about Motor Third Party Insurance.

What does Motor Third Party Takaful cover?
This policy covers third-party liability only, with up to MVR 60,000 for third-party death or permanent disability and up to MVR 40,000 for third-party property damage (with a MVR 2,500 excess). It does not cover your own vehicle or your personal medical expenses.
Are there any exclusions?
Yes. Coverage is excluded if the driver does not have a valid licence, is under the influence of alcohol, or if a heavy vehicle / machinery is operated without the proper licence. The policy also applies only when the vehicle is being driven on the road, so incidents that occur off-road or while parked are not covered.
Are heavy vehicles treated differently?
Yes. Heavy vehicles and machinery must be operated by a competent driver with the proper licence. If the operator is unlicensed or not qualified, the policy will not provide coverage.
What is the claim process?
To file a claim, you must submit an intimation letter, the police incident report, three quotations from authorised garages (for property damage), copies of the driving licences of both parties, and the claimant’s NIC. Claims are processed within 7 days once approved, and repairs should only begin after Amana Takaful authorises the garage.
How long does it take to get a policy?
Getting insured with Avas is instant. Once you complete the purchase through the app, your policy is active immediately and your digital policy document is issued right away.

Insurance Provider

This policy is underwritten and administered by Amana Takaful Maldives PLC, a duly licensed insurance provider operating under the regulatory oversight of the Maldives Monetary Authority.

In partnership withAmana Takaful

Get your motor insurance today

Protect yourself on the road with affordable, instant motor third party insurance. It only takes a few minutes.

Get Motor Third Party