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Hayleys AIG Insurance Company Limited

Personal Lines Insurance

Personal Lines Insurance


• Attractive rates.
• Embedded Personal accident cover up to LKR 50,000., for 5 passengers including the driver. This limit can be extended up to LKR 250,000, in Rs. 50,000 slabs at extra premium.
• Free Towing charges up to LKR 5,000.00
• No Hire Purchase loading
• No extra cost for Air Bag replacement cover.
• No additional charges for Natural Perils cover if the Flood cover is obtained.
• 24hr Claims assessment services. (02 hotlines dedicated 24hrs)
• No Police report required unless there is a Third Party involvement.
• In the event of a claim, deduction for rubber items starts from 10%.
• Theft of parts automatically included for private cars. For private vans this can be included by paying 30% of additional premium from Basic Premium.
  - Third party property damage limit of LKR 10,000,000 for private cars.
  - Third party property damage limit for vans registered under commercial category can be increased upto LKR 500,000 from the mandatory LKR 15,000, at an additional premium.
  - Third party bodily Injury Unlimited for vehicles.
• A special No Claim Bonus Structure as follows.


The preceding year              Nil
Preceding 2 consecutive years   15%
Preceding 3 consecutive years   25%
Preceding 4 consecutive years   35%
Preceding 5 consecutive years   45%
Preceding 6 consecutive years   55%
Preceding 7 consecutive years   60%
Preceding 8 consecutive years   65%
Preceding 9 consecutive years   70%
Preceding 10 consecutive years  75%

Private Dwelling Houses Back To Top

We cover:

• Your building including outhouses, gates, public supply connections
• Contents
• Your liability to third parties
• Accidental injuries occurring with in the premises to the insured and spouse


We protect your building and contents by covering you against the following perils.

• Fire, lightning
• Explosion
• Cyclone, storm and tempest
• Flood
• Earthquake, Volcanic Eruption
• Natural perils (Hurricane, Typhoon, Tornado, Windstorm, Tsunami, Tidal wave)
• Impact
• Burglary
• BOT (Bursting or overflowing of water tanks, apparatus and pipes)
• Aircraft damage
• Accidental leakage of oils/water
• Electrical Extra
• Malicious damage (will only be given if Riot and Strikes is taken)


Additional perils at extra premium.

• Riot & Strike
• Terrorism


Additional Benefits free of charge.

• Alternative Accommodation up to 10% of Sum Insured
• Fire Brigade Charges up to LKR. 5,000/-
• Removal of debris up to LKR. 50,000/-
• Professional Charges up to LKR. 50,000/-
• Servant Property up to LKR 5,000/- per person
• Guest's effects up to LKR. 5,000/- per person
• Replacement of Door locks arising due to Burglary up to LKR. 10,000/-