Heritage Insurance-Motor trendsetter Policy
Motor
About this product
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
- Car Hire extension
Policy Excess
| Third Party Bodily Injury | NIL |
| Third Party Property Damage | KES 7,000 |
| Theft Excess | Without Anti-Theft-20% of the sum insured subject to a minimum of KES 20,000 |
| Theft Excess | With Approved Tracking Device-2.5% of the sum insured subject to a minimum of KES 20,000 |
| Theft Excess | With Anti-Theft-10% of the sum insured subject to a minimum of KES 20,000 |
| Material Damage | 2.5% of the sum insured subject to a max of KES 100,000 and a minimum of KES 15,000 |
| Young Driver | Additional Excess of KES 7,500 |
| Inexperienced Driver | Additional Excess of KES 7,500 |
Limits of Liabilities
| Windscreen | KES 30,000 Max |
| Car Entertainment System | KES 30,000 Max |
| Out of Station Accommodation | Max Limit 20,000; |
| P.L.L | KES 3,000,000(per person) |
| T.P.P.D | KES 5,000,000 |
| Key and Locks/Personal Effects | KES 15,000 |
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