ITEM  AMOUNT(Kshs)
Windscreen 30,000
Car Entertainment 30,000
Third Party Property Damage Limit 5,000,000
Passenger Legal Liability -Person 3,000,000
Passenger Legal Liability -Per Event 20,000,000
Medical Expenses 30,000
Riot, Strike & Civil Commotion owing/Recovery Expenses 50,000
Repair Authority 30,000
  1. Normally available at additional premium to enhance cover.
  2. Loss of use/Car hire
  3. Excess Protector
  4. Personal effects/Loss of Keys
  5. Passenger Legal Liability
  6. Forced ATM withdrawal
  7. Out of station accommodation
  8. Terrorism, Sabotage & Political Risks
  9. Extended Geographical Area outside Kenya– Comesa Extensive Cover
  10. Road Rescue Services - INFAMA
Regulated by IRA and are based on claim experience
Comprehensive Third Party Fire & Theft Third Part Only (TPO)
  • Based on a NCD structure - reward good drivers, punish errant ones
  • Gross rates are charged and discount earned for every claims free year
  • Minimum rates beyond which rates cannot dip
  • Fleets are accorded special discounts – 10 corporate, 3 individual
  • A minimum premium whatever the vehicle value
  • NCD letters/forms issued to clients changing insurers
  • Maximum Age of the vehicle
  • A rate lower than Comprehensive rate is normally charged.
  • Optional benefits don’t apply.
  • A minimum premium exists for specific class
  • No NCD applies.
  • • Authorised Antitheft device e.g. Alarm, satellite tracking etc
  • • Average Clause in case of under insurance
  • • Compulsory Excess Endorsement
  • • Market value Clause
  • • Replacement parts Clause
  • • Riots, Strikes & civil Commotion
  • • Windscreen & window Glass Endorsement
  • • War, civil war political risks and Terrorism Exclusion
  • • Consequential Loss
  • • Depreciation wear and tear, mechanical or Electrical
  • • Breakdown, failures or breakages
  • • Damage to tyres unless damage is caused to other parts of the motor vehicle at the same time
  • • The insured injuries and members of his/her household
  • • Claims arising out side the Geographical area – Kenya
  • • Wilful damage of the insured Motor vehicle
  • • Accident occurrence
  • • Report the Accident to the Police & insurer
  • • Insured to document the claim and attach evidence i.e police abstract, driving licence
  • • Vehicle taken to the Garage within the Panel
  • • Assessor send to assess the damage/Liability
  • • Insured Advised on repairs and excess payable
  • • Release letter issued by the insurer
  • • Insured collects repaired vehicle and signs satisfaction note
  • • Cost of repairs Documents send to the Insurer