Motor personal
lines products
What is Motor Insurance?
Provides cover for accidental loss or damage to the insured motor vehicle, death or bodily injury to the vehicle crew and third parties as well as loss or damage to property of third parties arising out of use of motor vehicles.
What is covered?
- Damage to vehicle against Riot, strike & Civil Commotion
- No blame No excess Subject to a police abstract
- Free Motor valuation and inspection
Benefits
- Authorised repair limit – KSh 30 000/
- Medical limit – KSh 30 000/
- Towing charges – KSh 30 000/
- Windscreen limit – KSh 30 000/
- Vehicle entertainment system – KSh 30 000/
- Accommodation away from home. Up to KSh 5 000/= and above charge 10% maximum limit KSh 10 000/=
- Loss of spare wheel and accessories. Up to KSh 7 500/= free. Above KSh7 500/= charge 10% of extra limit maximum limit – KSh 50 000/=
Optional Benefits
- 24-hour road rescue by Automobile Association of Kenya @ KSh3000/- per annum
- Infama Road Rescue Membership @ KSh6 960/- per annum
- Excess protector @ 0.25% minimum KSh3 000/= on accidental own damage Political violence and terrorism @ 0.25% minimum KSh2 000/=
- ATM robbery following vehicle hijacking – reimbursement. Up to KSh30 000/=. Additional premium charged at 10% of the amount of limit exceeding KSh10 000/= free cover limit
- Loss of use with a time excess of days Loss of personal effects charge 10% of the limit. Maximum limit KSh50 000/= excluding mobile and cash
- Loss of side mirrors or head lights and rear lights.
- Loss of side mirrors charge 15% limit KSh25 000/= excess KSh5 000 of claim on replacement
Limits of Liability
- Third-party persons – Unlimited
- Third-party property damage – Limit of KSh20 000 000
- Passenger liability – KSh3 million per person and KSh20 million per event
- Geographical limit – East Africa (excluding third-party liabilities outside Kenya)
Limits of Liability
- Third-party persons – Unlimited
- Third-party property damage – Limit of KSh20 000 000
- Passenger liability – KSh3 million per person and KSh20 million per event
- Geographical limit – East Africa (excluding third-party liabilities outside Kenya)
Excesses
Own damage – 2.5% of the sum insured; minimum of KSh20 000/- and maximum of KSh100 000/-
Theft
- (With anti-theft device) – 10% of value minimum KSh 20 000/-
- (Without anti-theft device) – 20% of value minimum KSh 20 000/-
- (With tracking device or fleet management system) – 2.5% of value minimum KSh 20 000/-
- Third-party property damage – KSh 7 500/-
- Young/Inexperienced driver – Additional KSh 5 000/- (under 21yrs/under 1yrs)
Premia motor
| Benefits | Limits of Liability |
|---|---|
| Emergency Medical Expenses | 200,000 |
| Repair Authority | 100,000 |
| Third Party Property Damage | 30,000,000 |
| Third Party Bodily Injury | Per Person - 4,000,000 Per Event - Unlimited |
| Passenger Legal Liability | Per Person - 3,000,000 Per Event - 20,000,000 |
| Windscreen & Window Glass | 100,000 |
| Car Entertainment | 100,000 |
| Extensive Benefit | |
|---|---|
| Loss of Use | Benefit – Kshs.5,000 per day Time Excess – NIL |
| Enhanced Personal Accident Cover for the Insured | Accidental Death - Kshs.1,000,000/- |
| Vehicle Wellness Value Adds | Discounts on various maintenance services and spares (AA Membership) |
| Forced ATM Withdrawal | 50,000 |
| Out of Station Accommodation | 20,000 |
| Personal effects & Loss of Keys | 20,000 |
| 24 Hour Road Rescue by AA Kenya | Covered |
Buy your motor insurance online
Buy your Motor Insurance via our online portal today in a few easy steps.
You can also file a claim on the online portal.
Enjoy peace of mind, we will protect your property.
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