AON Insurance- Commercial Motor Insurance (Own Goods)

Business
 
Motor
 

About this product

AON motor commercial policy is designed to provide comprehensive commercial auto insurance to large corporations and indemnity business companies against damage or accidental loss to the motor vehicle and its accessories. The commercial vehicles under this cover are those that transport the insured's own goods only.

Scope of the Cover

The following types of insurance can be purchased under this policy:
  • 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

  • Excess protection
  • Specified extra vehicle equipment
  • Fatal PA for member of the insured's
  • Emergency Accidents cover (48 hrs)
  • Loss or damage to personal effects of driver or passenger

Optional benefits at additional premiums

  • Political violence and terrorism
  • Road rescue
  • Excess protector

Limits of Liabilities

  Limits
Third party bodily injury Unlimited
Towing and recovery Free up to KES 30,000
Passenger legal liability KES 5,000,000 (per person) 20,000,000 (per event)
Third party property damage KES 3,000,000
Emergency Medical Expenses KES 10,000
Windscreen Free up to KES 30,0000
Authorized repair KES 50,000
Geographical coverage East Africa (excluding third-party liabilities outside Kenya)
 

Policy Excess

Political violence and terrorism 0.3% of the sum insured Min KES 1,000
Excess protection 0.5% of sum insured Min KES 1,5000
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