Heritage Insurance-Motor Commercial(Own Goods Fleet)


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About this product

Heritage Insurance offers a Motor Commercial Insurance designed to cover a fleet or five and more vehicles registered under one corporation.

Scope of the cover

For the different categories of vehicles the following three types of insurance can be purchased:
  • 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

  • Windscreen
  • Car entertainment
  • Loss of use
  • Loss of spare-wheel/accessory
  • Passenger legal liability
  • Third party property damage
  • Medical expense
  • Out of station Accommodation
  • Towing charges
  • Riot strike and civil commotion

Policy Rates

Rate Comprehensive
Up to 3 Tons 6.5% of the sum insured
Over 3 Tons Up to 8 Tons 6.5% of the sum insured subject to a minimum of KES 20,000
No Claim Discount Nil
Loss Ratios: Rates Above 91%:6.5% of S.I
Minimum Premium Net of All discounts 4.5% of the sum insured subject to a minimum premium of KES. 15,000

Policy Excess

Excess Comprehensive
Theft Excess Without Anti-Theft-20% of the sum insured (KES 20,000) With Anti-Theft-10% of sum insured (min KES 20,000) With Approved Tracking Device-5% of sum insured (min KES 20,000)
Material Damage Excess 5% of the sum insured (min KES 20,000)
Young Driver/Inexperienced drivers Additional charge KES 20,000


Heritage Insurance Company Kenya

Nairobi - Head office LIBERTY House, Mamlaka Road, Nairobi - Kenya
+254 20 2783000 / 2726439 / 2726440

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