Personal Insurance.


Cover for you, your home, your propety and your family.

Motor Vehicle Insurance


Motor Third Party Liability Insurance


Insured Person:

Motor Vehicle owners who are road users in territory of Laos PDR.


Scope of cover:

+ Death, bodily injury and asset losses to the third parties by the motor vehicle regard of being road user or not.
+ Death and bodily injury of the passenger subjected to Law


Sum Insured:

+ Sum Insured is the maximum amount that LAP can pay for death, bodily injury and property of the third partie caused by motor vehicle in each accident within the scope of cover.
+ There are 3 options of Sum Insured for customer to choose, maximum to LAK 50 millions/person/accident and LAK 50 millions of property losses/accident.


Driver and Passenger Cover:
Insured Person:

Driver and Passenger


Scope of cover:

Bodily injury of Insured Person due to accident directly related to using motor vehicle.


Motor vehicle physical damage Insurance:
Insured Person:

Motor vehicle owner and/or his representative who voluntarily participate insurance at iMiracle.


Scope of cover:

Customers can choose the integrated program (covering all of the risk) or choose the single following risks:
+ Condition C: Covering for all accidental risks
+ Condition D: Covering for damage caused by collision with other vehicles, pedestrians, animal...
+ Condition E: Covering for damage of windshields, mirrors and other glass items as original design
+ Condition F: Covering for damage caused by fire, lightning, and explosion
+ Condition G: Covering for loss or damage due to theft

In addition, iMiracle also pays necessary and reasonable expenses in order to:

+ Prevent and restrict futher losses incured.
+ The cost of towing crane to the nearest gara in case of accidents within the scope of cover (limited 20% of the actual repair cost of vehicle damage)
+ Loss surveyor
In any case, the total compensation of iMiracle (excluding loss surveyor costs) is limited by the Sum Insured that indicated in the Certificate of Insurance