MOTOR COMMERCIAL

Overview

This type of vehicle is used for private use and the carriage of goods for the insured’s business only.

This category is for commercial vehicles used for the insured’s own business such as tractors, lorries, trucks, pickups, trailers and motor trade.
The minimum cover that is required by the Kenyan government is the Third Party cover. This policy covers third parties who may suffer from injuries or death as a result of your vehicle.
Other covers include the Comprehensive Cover and the Third Party Fire and Theft Cover.
The Comprehensive Cover is highly recommended because it insures the policyholder against all risks. These risks include:
1. Vehicle damages as a result of an accident
2. Theft of the vehicle
3. Damage to vehicle due to accidental fire
4. Damage of property belonging to third parties
5. Bodily harm to third parties
6. Damage to car accessories that had been declared when the policy was bought
7. Consequential Legal fees incurred with permission from the insurer.

	Extra Benefits	Third party only (TPO)	Third party Fire & Theft (TPF & T)	Comprehensive
1	Windscreen	Not applicable	Not applicable	Charge at 10% of the value insured.
2	Car Entertainment	Not applicable	Not applicable	Charge at 10% of the value insured.
3	TPPD	Ksh. 3 Million	Ksh. 3 Million	Above Kshs. 5 Million, charged at 1 per mile for extra limit.
4	Medical Expenses	Not applicable	Not applicable	Above Kshs.10, 000.00 charged at 2.5% up to a maximum of Kshs. 30,000.00
5	Riot, Strike and Civil Commotion (RSCC)	Not applicable	Not applicable	Charged at 0.5% of the sum insured
6	Towing/ Recovery Expenses	Not Applicable	Not applicable	Above Kshs. 30,000.00 charged at 10% for the insured limit.
7	Authorized Repairs	Not Applicable	Not applicable	Insurers to authorize repairs above Kshs. 50,000.00
8	Extended Geographical Area: Outside Kenya	Charge as per COMESA Guidelines	Charge as per COMESA Guidelines	Charged as per COMESA guidelines