Heritage Insurance-Motor Cycle Insurance


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About this product

Heritage insurance offers Motor Cycle insurance policy that covers those used for business purposes only.

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

  • 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

Cover Rates

Rates Comprehensive
Premium 3% of the sum insured subject to a minimum of KES 5,000
Policy Excess NIL
Theft Excess 10% of the sum insured subject to a minimum of KES 10,000;
Material Damage Excess 5% of the sum insured subject to a minimum of KES 7,500
Young and/or inexperienced drivers Charge additional premium of KES 2,000

Limits of Liabilities (comprehensive only)

Towing expense Authorized Repairs
Nil KES 1,000


Heritage Insurance Company Kenya

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

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