AIG Insurance-Private Motor Vehicle Insurance
Motor
About this product
This is a policy that provides protection against accident loss and to personal private motor vehicles, including the standard accessories and spare parts, as well as cover against legal third-party liabilities. It is designed for:- Corporate vehicle owners
- Individual vehicle owners
Scope of the Cover
The coverage on the policy is classified into three categories:- Third Party Only (TP)- This is the basic and minimum cover available. It provides for liability to third parties only in respect of bodily injury and damage to third-party property. It is the mandatory cover that a motorist should have.
- Third Party Fire and Theft (TPF&T) - This cover protects you against all third-party risks mentioned above in addition to loss and/or damage to your vehicle due to theft and fire
- Comprehensive - This is a superior cover to all the others it protects you against the third party’s death, bodily injury and/or property damage as well as loss/ damage to your vehicle due to accidental fire, theft or an accident.
Benefits of the Cover
- Towing and recovery
- Passenger legal liability
- Emergency medical expenses
- Windscreen
- Authorized repair
- Geographical Limit
Optional Benefits at Extra premiums
- Political violence and terrorism
- Riot and strike
Limits of Liabilities
| Limits | |
| Third party bodily injury | Unlimited |
| Towing and recovery | Free up to KES 30,000 |
| Passenger legal liability | KES 15,000,000 (per event) KES 6,000,000 (per passenger) |
| Third party property damage | KES 10,000,000 |
| Emergency medical expenses | Free up to KES 30,000 |
| Windscreen | Free up to KES 30,000 |
| Authorized repair | KES 30,000 |
| Geographical coverage | East Africa |
Policy Excess
| Emergency medical expenses | 2.5% excess charge for extra limit |
| Excess protection | 0.25% of sum insured (minimum KES 1,000) |
| Political violence and terrorism | 0.25% of sum insured (minimum KES 1,000) |
Apply Online
Use our comparison tool to get quotes for this cover from a vetted broker near you. Available in Nairobi, Mombasa and Kisumu.
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