Motor Private
SCOPE OF COVER: This policy covers loss or damage to the vehicle and its accessories including legal liability to third parties and passengers in respect of death or bodily injury arising from the use of the motor vehicle. The following risks are covered:
- Accidental damage
- Riot and strikes
- Special perils which include flood ,typhoon, hurricane, earthquake and volcanic eruption
- Fire
- Theft
- Windscreen
- Radio cassette
- Emergency medical expenses for passengers
- Towing charges
- Third party property damage /Third party bodily injury/Death
- Passenger liability
- Towing /recovery charges
- Loss of Use
- Road rescue /excess protector
Benefits
The following risks are covered:
- Accidental damage
- Riots and strikes
- Special perils which include flood, typhoon, hurricane, earthquake and volcanic eruptions.
- Fire
- Theft
- Windscreen
- Radio cassette
- Emergency medical expenses
- Towing charges
- Third party property damage/Third party bodily injury/ Death
- Passenger liability
- Towing/recovery charges
- Loss of use
- Road rescue/excess protector
Features
Motor insurance cover types can be divided into 3 broad categories:
Third Party Only(TPO)
This category provides compensation to people who have been injured or had their property damaged by the insured vehicle. It does not compensate the driver and passengers of the insured vehicle. The law requires all vehicles to have at least this type of insurance as it provides financial compensation to the general public in case of losses caused by motorists.Third Party, Fire and Theft
This category provides all the coverage available under TPO as well as:- Repair of the insured vehicle in case of damage due to a fire
- Payment by the insurance company to the client for replacement of an insured vehicle that has either been stolen or damaged by fire to the extent that it is uneconomical to repair.
- Limited reimbursement for the cost of towing the insured vehicle to a place of safety after an accident.
Comprehensive insurance
This type of cover provides the widest range of protection including all the coverage available under TPFT as well as:- Repair of the insured vehicle in case of damage due to an accident, impact etc.
- Payment by the insurance company to the client for replacement of an insured vehicle that has been stolen or damaged to the extent that it is uneconomical to repair.
- Limited reimbursement for medical expenses incurred by the driver and passengers in the insured vehicle in case of an accident.
FAQS
1. What are some of the exclusions?
Exclusions are circumstances that would cause a claim to be considered un-payable by the insurance company. Some of the reasons a claim may be denied include:
- If the loss was caused by the driver being under the influence of alcohol or drugs.
- If a vehicle has been used by the insured (or with the authority of the insured) for a purpose other than that specified in the proposal form and policy document. This means that if a vehicle is used for a purpose different from use stated on the proposal form at any time during the policy period, the insurance contract is null and void and no claims will be paid against that policy regardless of the use of the vehicle at the time of the accident or theft.
- If the vehicle is driven by someone who is not legally licensed to operate that type of motor vehicle.
- Motor claim form
- Copy of valid driver’s license of the person driving the car at the time of the accident
- Original police abstract –Please note that the Kenya Police requires all accidents to be reported and recorded in the occurrence book (OB) within 24 hours of the happening of the accident.