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 |  |
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| NEW CAR REPLACEMENT DUE TO THEFT | |
Applicable after paying insurance (company again) Excess | Reimbursed in cash of sum insured. Excess deducted from reimbursement |
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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 |
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Applicable after paying insurance (company again) Excess | Free to take car to garage of your choice |
| 24HR ROAD RESCUE, BREAKDOWN ASSISTANCE | |
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| 24HR AMBULANCE RESCUE WITH EMERGENCY RESPONSE | |
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| WEEKLY CASH PAYMENT IN CASE OF INJURY BY ACCIDENT | |
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| AMOUNT PAID IN CASE OF TOTAL / PARTIAL DISABILITY BY ACCIDENT | |
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| ACCIDENTAL MEDICAL INPATIENT TREATMENT Includes cost of Ambulance, Accomodation, Prescription and drugs after an accident happening |
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KES30,000.00 | KES50,000.00 |
| MEDICAL INPATIENT TREATMENT Including Accomodation, Prescription drugs and drugs for illness or accident |
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| MEDICAL OUTPATIENT TREATMENT Access by card to hospitals for Consultation, X-Rays, MRI, ECG, Prescription drugs |
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MATERNITY EXPENSES (Normal & Caesarean) |
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| MEDICAL EXPENSES Accidental inpatient & outpatient costs for driver |
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KES30,000.00 | KES50,000.00 |
| TOWING / RECOVERY CHARGES Costs to tow vehicle to police station, to garage or to any safe location |
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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 |
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Options available include FREE RENTAL CAR for 10 / 20 / 30 days |
| CASH REFUND Due to car jacking after being forced to withdraw from ATM |
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| DOOR TO DOOR DELIVERY:Nairobi, Mombasa, Nakuru, Kisumu, Eldoret | Applicable | Applicable | Applicable |
| GPS/GPRS vehicle self tracking device & installation (one off fee) | |
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| ACCOMODATION COSTS IF STRANDED After accident accomodation costs covered |
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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 | |
| 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 |