Kenya Orient Insurance Limited-General Cartage Insurance Package
Motor
About this product
Kenya Orient Insurance offers General Cartage Insurance for commercial motor vehicles used for hire and reward. Commercial vehicles include:- Canters
- Large Trucks
- Pickups
- Trailers
Scope of the Cover
The policy covers risks of losses and damage to the vehicle as well as the third party goods being transported.Benefits of the Cover
- Excess Free
- Free Tracking Device
- Container Insurance
- Free alternative transport
- Authorized repair limit now at KES 300,000
- Tracking services
- Personal accident cover of KES 250,000 each for the driver and loader
- Alternative accommodation for two persons at KES 10,000,KES 5,000 each in both Kenya and COMESA
- Alternative transport/hire free KES 50,000
- Expanded Territorial scope across COMESA subject to vehicles towed to the nearest Kenyan Border Station
Enhanced Benefits
- Carriers Liability
- Fleet management
- Employers liability-25% of WIBA excess KES 20,000
- WIBA-10% of annual earnings
- Loan repayment-Interest reduced 30 days 10% 60 days 7.5%
- Loss of income (10 days and 30 days Option) Up to KES 200,000
Limits of Liabilities (Carriers liability)
| Limit-up-to(KES) | All risks(KES) |
| 500,000 | 15,000 |
| 1,000,000 | 22,500 |
| 2,000,000 | 45,000 |
| 3,000,000 | 67,500 |
| 4,000,000 | 90,000 |
| 5,000,000 | 112,000 |
Limits of Liabilities (Fidelity Guarantee)
| Limit | Annual Premium |
| 250,000 | 7,500 |
| 500,000 | 10,000 |
| 1,000,000 | 7,500 |
| 1,5000,000 | 25,ooo |
Policy Excess
| Partial theft/own damage | 5% of sum insured min KES 20,000 |
| Theft with anti-theft device | 10% of sum insured min kes 20,000 |
| Theft without anti-theft | 20% of sum insured min KES 20,000 |
| Third party injury | NIL |
| Third party property damage | KES 10,000 |
| Novice drivers | KES 7,500 |
| Young drivers | KES 7,500 |
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