AMACO Insurance - Motor Commercial Insurance


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About this product

AMACO Insurance offers a valued Motor Commercial Insurance with a full range of benefits for commercial vehicles, such as:
  • Trucks
  • Carriers
  • PSVs

Scope of the Cover

For the different categories of vehicles the following three types of insurance can be purchased:
  1. Third Party- This policy covers third-party bodily injury and property damage arising out of use of motor vehicle.
  2. Third Party Fire and Theft- The policy extends to cover fire, theft, property damage, and third-party bodily injury.
  3. Comprehensive cover- Covers property damage and third-party liability to the vehicle i.e damage arising out of the fire, accidental damage, and fire.

Benefits of the Cover

  • Tracking Services
  • Valuation at inception
  • Jurisdiction-COMESA Region(Subject to Yellow Card Rules)
  • No Blame-No Excess
  • Windscreen Limit KES 50,000
  • Occupational personal accident cover for driver and loader-Death and Permanent Total Disability
  • Radio/CD Player limit KES 30,000
  • Towing & Recovery limit KES 75,000
  • Emergency Medical expenses limit KES 75,000
  • Authorized repair limit KES 100,000

Additional Benefits at Extra Fee

  • Employer Liability
  • Political Risks (Terrorism or sabotage) 0.45% of the insured
  • Loan repayment maximum 3 months installments
  • WIBA

What is not Covered

  • Employees of the insured
  • Consequential loss excluding (loss of income)
  • Damage caused by strain or overloading
  • The excess stated in the schedule
  • Loss of or damage to the contents being carried in or on the vehicle (unless specifically insured)
  • The excess stated in the schedule

Policy Excess

Theft excess with a tracking device approved by insurer NIL
Own damage partial theft 5% of sum insured min KES 20,000
Theft with anti-theft device 10% of sum insured min KES 20,000
Third party injury NIL
Third party property damage KES 10,000
Young drivers KES 7,500
Novice drivers KES 7,500

Limits of Liabilities

In regards to individuals being carried, getting in or alighting the vehicle.
Any one person KES 3,000,000
Series of claims arising from one from one event KES 20,000,000

Limits of Liabilities

In regards of any individual who is not being carried, entering or alighting the vehicle
Any one individual KES 30,000
Series of Claims resulting from one event Unlimited
Third party property damage KES 5,000,000


Amaco Insurance

NEXTGEN MALL, 4th flr. Mombasa Road, Nairobi, KENYA.
020-2204000 (Pilot line)

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