Type of Cover:          Comprehensive (Private Cars Only)
Any loss or damage by accidental means, theft, fire, malicious damage to the vehicle and Third Party Liabilities (death, injuries and property damage)

Geographical Limits:  East Africa

Extensions

• Fatal Personal Accident cover of Kshs. 500,000 for the insured while driving or traveling in the insured motor vehicle. When the vehicle is jointly owned the maximum limit is Kshs. 500,000
• Courtesy car provided in the event of an accident or theft up-to a maximum of 10 days.
• Reimbursement for alternative costs of accommodation following an accident outside Nairobi up to a maximum Kshs. 7,500
• Cover for insured’s personal effects stolen or damaged during an accident up to a maximum Kshs. 5,000.
• Cover for forced ATM cash withdrawal in case of hijack up to a maximum Kshs. 10,000

Limits of Liability

Extra Covers:

• Free Windscreen – limit Ksh. 20,000
• Free Radio Cassette    - limit Ksh. 20,000 (To be declared at inception)
• Free Riot, Strike & civil commotion
• Free Special Perils

NOTE: The above extensions are applicable subject to there being a claim payable under the policy

Car Insurance with Rescue = stress free motoring!

Excess:

• Own damage– 2.5% of sum insured minimum Ksh. 20,000/-
• Theft (with anti-theft devices)-10% of sum insured min. Kshs. 20, 000/=
• Partial theft – 2.5% of sum insured minimum Kshs. 20,000
• Theft (without anti theft devices) - 25% of sum insured Min. Kshs. 30,000
• Theft with Tracking device              - 5% of sum insured min 20,000
• Third party only claims –Ksh.5,000
• New and Young drivers – Ksh.3, 500/= (additional)

Clauses

• Legal Liability of Passengers for Acts of Negligence
• Motor Contingent Liability
• Use by a Motor Trader
• Indemnity to Employer
• Cancellation Notice – 7 days
• Unobtainable Parts
• Jurisdiction – Kenya
• Average  Clause
• Terrorism Exclusion*
• Provisional Driving Licence Clause

Drivers

• The Insured or any person authorized by the insured and holding a valid driving license

Vehicle use

• Private and personal use only

NOTE

• All vehicles should be fitted with an alarm system with certificate/proof of the same to be submitted. In the absence of an approved and functioning anti-theft device, the excess applicable will be 25% of value minimum Kshs. 30,000/-
• A motor inspection/valuation report will be required at inception of the policy and at each renewal otherwise average clause will apply in case of loss
• In case of theft or total loss, agreed value to apply for vehicles valued within the last 12 months.
• Age limit up to 15 years and if older than 15 years the vehicle must pass a mandatory mechanical and roadworthiness inspection