TYPES OF INSURANCE

CAR INSURANCE IN KENYA - COMPREHENSIVE vs THIRD PARTY INSURANCE

COMPREHENSIVE CAR INSURANCE IN KENYA

Comprehensive insurance is the highest level of cover a person can have if they take motor insurance. Comprehensive Insurance covers:

  • Repair costs after damage to your vehicle from an accident and
  • Damage that you are responsible for to someone else's property or vehicle.
  • Medical costs due to accidents caused by car

THIRD PARTY INSURANCE

This is a car insurance policy purchased for protection against the actions of another party. Third-party insurance is purchased by the insured (first party) from an insurance company (second party) for protection against another party's claims (third party).

All Kenyan drivers are required to have as a minimum third party insurance as adequate insurance coverage to ensure that damages resulting from an accident can be paid for.

 FEAUTRES AND BENEFITS THIRD PARTY INSURANCE  STANDARD COMPREHENSIVE INSURANCE OUR ENHANCED COMPREHENSIVE INSURANCE
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DAMAGE DUE TO POLIITICAL, RIOT & STRIKE CAUSES 1395704740 X 1395704740 X 1395704755 Checkmark
NEW CAR REPLACEMENT DUE TO THEFT 1395704740 X Applicable after paying insurance (company again) Excess Reimbursed in cash of sum insured. Excess deducted from reimbursement

REPAIR OF VEHICLE AFTER ACCIDENT / UNSUCCESSFUL THEFT

Over 40 garages in Kenya including: TOYOTA EAST AFRICA, CMC MOTORS, D. T. DOBIE, SUBARU KENYA, RYCE MOTORS, URYSIA, GENERAL MOTORS, SIMBA COLT, ST AUSTINS SERV STN, Coner Garage & Spraying Works Ltd, Babu Motors, Shushen Kenya Ltd, Lota Motors, Auto Point

1395704740 X Applicable after paying insurance (company again) Excess Free to take car to garage of your choice
24HR ROAD RESCUE, BREAKDOWN ASSISTANCE 1395704740 X 1395704740 X 1395704755 Checkmark
24HR AMBULANCE RESCUE WITH EMERGENCY RESPONSE 1395704740 X 1395704740 X 1395704755 Checkmark
WEEKLY CASH PAYMENT IN CASE OF INJURY BY ACCIDENT 1395704740 X 1395704740 X 1395704755 Checkmark
AMOUNT PAID IN CASE OF TOTAL / PARTIAL  DISABILITY BY ACCIDENT 1395704740 X 1395704740 X 1395704755 Checkmark
ACCIDENTAL MEDICAL INPATIENT TREATMENT
Includes cost of Ambulance, Accomodation, Prescription and drugs after an accident happening
1395704740 X KES30,000.00 KES50,000.00
MEDICAL INPATIENT TREATMENT
Including Accomodation, Prescription drugs and drugs for illness or accident
1395704740 X 1395704740 X 1395704755 Checkmark
MEDICAL OUTPATIENT TREATMENT
Access by card to hospitals for Consultation, X-Rays, MRI, ECG, Prescription drugs
1395704740 X 1395704740 X 1395704755 Checkmark

MATERNITY EXPENSES (Normal & Caesarean)
In hospital cost incurred for Normal & Caesarean deliveries from KES50,000 - KES200,000

1395704740 X 1395704740 X 1395704755 Checkmark
MEDICAL EXPENSES
Accidental inpatient & outpatient costs for driver
1395704740 X KES30,000.00 KES50,000.00
TOWING / RECOVERY CHARGES
Costs to tow vehicle to police station, to garage or to any safe location
1395704740 X KES30,000.00 KES50,000.00
FREE RENTAL CAR
If your car is in the Garage a car is provided for you to use as repairs are being done
1395704740 X 1395704740 X Options available include FREE RENTAL CAR for 10 / 20 / 30 days
CASH REFUND
Due to car jacking after being forced to withdraw from ATM
1395704740 X 1395704740 X 1395704755 Checkmark
DOOR TO DOOR DELIVERY:Nairobi, Mombasa, Nakuru, Kisumu, Eldoret Applicable Applicable Applicable
GPS/GPRS vehicle self tracking device & installation (one off fee) 1395704740 X 1395704740 X 1395704755 Checkmark
ACCOMODATION COSTS IF STRANDED
After accident accomodation costs covered
1395704740 X 1395704740 X 1395704755 Checkmark

 

EXCESS - This is the amount you pay to the insurance company again to claim from insurance

For instance if you have a car worth KES1,000,000 you paid insurance of around KES50,000.00. If you are involved in an accident whether you are to blame for the accident or not you will pay the insurance company again a sum of KES25,000. This amount paid to the insurance company again is called Excess.

  THIRD PARTY INSURANCE STANDARD COMPREHENSIVE INSURANCE OUR ENHANCED COMPREHENSIVE INSURANCE
After damage due to Own damage / Unsuccessful theft / When driver to blame KES     7,500.00 2.5% of car value 1395704740 X
Theft Excess with Anti - Theft Device Not Applicable 10% of car value EXCESS DEDUCTED FROM REIMBURSEMENT
Theft Excess with GSM/GPS Tracking Device Not Applicable Not Applicable EXCESS DEDUCTED FROM REIMBURSEMENT
Theft excess without Anti Theft Device Not Applicable 20% of car value EXCESS DEDUCTED FROM REIMBURSEMENT

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