Our Specialize

Personal Accident Insurance


Every Stage of Life

Personal Accident insurance provides compensation in the event of insured sustaining injuries, solely and directly from an accident caused by violent, visible and external means, resulting into death or disablement be it temporary or permanent.

We specially recommend this product, that is Perfect 10 Personal accident insurance for you. It provides personal accident insurance coverage for you, your spouse and your children 24 hours a day, anywhere in the world. Now your family can enjoy protection that’s a Perfect 10.

You just got your first job. You’re getting married. You’re thinking about retirement. Every stage you go through in life has exciting twists and turns and inevitably a few bumps too. That’s why you need a personal accident insurance flexible enough to cover you as your life transforms. Our Perfect 10 Personal Accident Insurance does just that.

With 10 affordable plans, you’ll find one perfect for you, no matter where you are in life.


Discover the Comprehensive Coverage

The key benefits of Perfect 10 of Personal Accident Policy as below: –


Cover the insured person against death or disablement arising from hijacking.

Food Poisoning

Cover the Insured Person against death or disablement arising out of or resulting from accidental food poisoning or other similar misfortune with or without any sign of external or violent visible injury.


Cover the Insured Person against death or disablement as herein defined arising out of or resulting from drowning with or without any sign of external or violent visible injury.

Amateur Sports

Cover death or disablement arising whilst the Insured Person is engaged in indoor or outdoor sports as an amateur subject to exclusions as stated in policy.

Murder & Assault

Includes death or disablement proximately caused as a result of assault or murder or any attempt thereon to the Insured Person in the Schedule, excluding death or bodily injury sustained where the insured person was committing or intended to commit such act therein.

Insect, Snakes, Vermin, Animals Bites

Cover insect, snakes, vermin, animal bites excluding disease or illness caused by parasite, bacteria, or viruses carried by insects such as mosquitoes and the like, snake or animal.


It is agreed and understood that if after a period of one (1) year has elapsed and the Company having examined all evidence available shall have no reason to suppose other than that an accident has occurred and that a Court of Law has pronounced such Insured Person to be missing and legally presumed dead the disappearance shall be considered to constitute a claim under this Policy.

Winter Sports

Cover the Insured Person against death or disablement whilst engaged in winter sports activities as an amateur.

Natural Disasters

Cover death or disablement caused by earthquake, windstorm, flood, volcanic eruption, lightning, hurricane, cyclone, typhoon and tidal wave.

Exposure to Natural Elements

Covers bodily injury caused by exposure to the elements as a result of an accident covered hereunder provided that in the event of death of the Insured Person caused by exposure to the elements that this death is the subject of a properly constituted judicial body enquiry by which it is found that the insured person died of exposure as a result of an accident.


Cover Insured Person whilst riding a motorcycle or as a pillion for private or business purposes provided always that the Company shall not be liable for any claim arising out of racings, pace making or participation of the Insured Person in any speed contest reliability or other trials.


Cover the Insured Person against death or disablement whilst engaged in hunting, provided approval/permits/licence from the relevant authorities have been obtained and the Insured Person holds a valid licence to possess and use firearms for hunting purposes only.

Scuba Diving

Cover death or disablement to Insured Person whilst engaged in scuba diving as an amateur.

Suffocation Through Smoke, Fumes / Poisonous Gas

Cover death and disablement to the Insured Person arising from accidental suffocation through Smoke, Fumes or Poisonous Gas.

Terrorism Cover

Cover death and disablement arising from Terrorism acts but shall exclude Terrorism as the sole result of the utilisation of Nuclear, Chemical or Biological weapons of mass destruction howsoever these may be distributed or combined.


Why Choose Us

With over 30 years of experience in the insurance industry, the staff at BMS Road Tax are equipped with in-depth knowledge of Personal Accident Insurance product.

Over the years, BMS Road Tax has assisted many of our customers in dealing with the claims process. With our assistance, it has expedited the customer claims process, leading to fast settlements and ensuring our customers’ satisfaction in choosing BMS Road Tax as their insurance agency. These results give us strong encouragement to continue providing the best services and remain sustainable in the insurance industry for over 30 years. This driving force behind achieving results has brought us to where we are now.

Terms & Conditions

Privacy Policy