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Motor Insurance Sri Lanka

Our vehicle insurance policy is customised to suit the vehicle you drive; whether it’s a car, a bike or even a tuk-tuk. Each of our motor insurance covers can be personalised to suit your vehicle’s brand, model and other key details, so you only pay for what you need. Switch to a more convenient and reliable insurance policy for your vehicles with Fairfirst Insurance at the click of a button. Getting your insurance has never been easier!

We Make it Easy to Insure Your Vehicle

Calls answered in less than 3 rings

Calls answered in less than 3 rings

Our 24/7 human powered Call Centre will answer your calls in less than 3 rings in any language you prefer!

Virtual damage assessment<br />and claim settlement

Virtual damage assessment
and claim settlement

70% of our claims are settled in less than 1 hour thanks to Click2Claim, our virtual claim settlement service.

Cashless repairs<br />and partner garages

Cashless repairs
and partner garages

With 100+ partner garages island-wide, you can enjoy cashless repairs wherever you go!

Motor Insurance Categories

Car Insurance

Car Insurance

Make sure your ride is covered by any risks and damages caused from accidents, thefts or natural disasters.

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Three Wheeler Insurance

Three-Wheeler Insurance

Affordable and customised premium prices for your tuk-tuk while you zoom past or dodge traffic.

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Motorcycle Insurance

Motorcycle Insurance

Be it a motorcycle, moped or scooter – we’ve go the perfect cover for you. Let’s get that two-wheeler and yourself covered!

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Commercial Vehicle Insurance

Commercial Vehicle Insurance

If your primary business involves the use of vehicles then we’d recommend you to head over to this section.

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Products & Brands

Insure your vehicle with just a click. Here are our most popular insured brands.

Pick the Best Option for You

Third Party

Basic coverage

  • Covers death or bodily injury to any third-party person.
  • Covers any damaged property up to
  • Does not cover you.
  • Does not cover any damages to your vehicle.

Total Loss

Insure against the total loss of your vehicle

  • Total loss of vehicle due to theft, accident, fire, external explosions, self-ignition, lightning or natural disasters.
  • Third party death or bodily injury – unlimited.
  • Third party property damage up to maximum LKR 5 million.
  • Any partial loss or damages to your vehicle due to theft, accident, fire, external explosion, self-ignition, lightning, natural disaster or any malicious act.
  • Any partial loss or total loss due to SRCC (Strike, Riots and Civil Commotion Cover).


Complete coverage

  • Covers death or injuries caused to a third-party person by your vehicle during an accident.
  • Covers damages caused to a property of a third-party person up to a maximum amount of LKR 5 million, due to accident caused by your vehicle.
  • Covers damages to your vehicle based on the total sum insured.
  • Add-ons available to extend your cover.
  • Manage your own deductibles.

Make Your Own

Create a policy to suit your needs

  • Total loss policy included as mandatory cover.
  • Create the policy based on your requirements.