Britam-Motor Vehicle Insurance
Motor
About this product
This is a Motor Insurance Policy by Britam Insurance. The Cover is meant for vehicles used for Private and Commercial or Business Purposes.Scope of the Cover
For the different types of insurance the following packages can be purchased:- Third Party Only (TPO): Cover which covers liability to third parties and passenger liability that may arise from the use of the vehicle
- Third party Fire & Theft (TPF&T): which provides insurance in case of fire and theft. It also covers liability to third parties and passenger liability
- Comprehensive: Which provides indemnity against loss or damage to motor vehicles, passenger liability and third-party liabilities.
What does the Policy Cover?
It will cover you against damage or accidental loss resulting from:- Fire damages
- Theft of whole or part of vehicle
- Impact damage or collision
- Death or injury to public or pedestrians
- Damage to other Peoples property or possessions
- Injury/death to passengers
- Emergency Medical expenses to divers/passengers/pedestrians
- Damage to vehicle in custody of motor trader or other service providers
Benefits of the Cover
- Free cover for windscreen, theft of video accessories and audio devices
- Free cover for jack, toolbox and spare-wheel
- Free cover for recovery, protection and towing after accident
- Discount on fleet
- Non claim discount-building up to 60% depending on the number of years not claimed
- Flexible premium terms and rates
- Cover for damage to vehicles in custody of the Garage or Trader
- Authority for emergency repairs up to an agreed limit
- Full discount on Controlle Technique fees at renewal
- Wider Geographical Scope-Rwanda, but can be extended to other East African countries on request.
Policy Rates
| Rate | 3.5% subject to min premium of KES 30,180 |
| Towing extension | Free, subject to max of KES 30,000 |
| Windscreen extension | Free, subject to a max of KES 30,000 (10% additional premium where value exceeds KES 30,000) |
| Radio cassette extension | Free, subject to max of KES 30,000 (10% additional premium where value exceeds KES 30,000 |
| Emergency medical expenses to the insured and Third parties | Max of KES 30,000 |
| Valuation | Free |
| Loss of Use of Extension | Max 30,000 (if vehicle detained for more than 14 days, additional fee of KES 3,000 |
| Third Party Private vehicles | Premium of KES 7,574 per year Third party Fire and Theft policy will be subject to 3% (Min of KES 12,500) |
Policy Excess
0.5% of the excess in event of accident claim and member blamed ( Minimum claim KES. 5,000)
| Accident Damage | Excess 2,5% of the value Min KES 20,000 Max KES 100,000 |
| Third Party Property | KES 15,000 |
| Theft | With anti-theft device 10% of the value Min KES 20,000 |
| Young/Inexperienced driver | Additional KES 20,000 No blame no excess subject to proof (Police abstract) |
Limits of Liabilities
| Cover | Amount |
| Third Party Persons | Unlimited |
| Third Party Property damage | KES 5,000,000 |
| Passenger Liability (per person) | KES 3,000,000 |
| Passenger Liability (per event) | KES 40,000,000 |
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