Heritage Insurance - Motor insurance (private car Individual)
Motor
About this product
Heritage insurance offers motor insurance cover for various categories of vehicles which are :- Private Cars - The key aspect of these vehicles is that they must be used for social, domestic and pleasure purposes only.
- Commercial vehicles - The key aspect here is that the vehicles must only be used for the insured business only and will exclude all usage for hire or reward e.g. taxis, matatus and any general carriage of goods for reward.
- Motor cycles
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 Excess
| Benefit | Comprehensive |
| Third party bodily injury | NIL |
| Third party Property damage | KES 7500 |
| Theft excess | Without Ant Theft – 20% of the sum insured subject to a MIN-KES 20,000 With Anti Theft – 10% of the sum insured subject to a MIN-KES 20,000 With Approved Tracking device-2.5% of the sum insured subject to a MIN- KES 20,000 |
| Material damage | 2.5% of the sum insured subject to a MIN-KES 15,000 |
| Young driver | KES 5000 |
| Inexperienced driver | KES 5000 |
Limits of Liabilities
| Towing Charges | KES 30,000 |
| Wind Screen | KES 30,000 |
| Car entertainment system | KES 30,000 |
| Third party property Damage | KES 5,000,000 |
| Passenger legal liability | KES 3,000,000 per person KES 20,000,000 per event |
| Medical expenses | KES 30,000 |
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