Madison Insurance-Motor Private Insurance
Motor
About this product
Madison Insurance offers Motor Private for designed to protect the insured and third parties against death and bodily injury that may be incurred by your vehicle as the policyholder. The following category of vehicles is covered by this type of insurance:- Private Cars - The key aspect of these vehicles is that they must be used for social, domestic and pleasure purposes only.
Scope of the Cover
The following three types of insurance can be purchased for the category of vehicles above:- Third Party Only- It protects the 3rd party against death and bodily injury that may be incurred by your vehicle as the policyholder.
- Third Party Fire and Theft- 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 type of policy covers all insurable risks.
Benefits of the Policy
- Car system-Radio Cassette extension
- Loss of use cover
- Windscreen extension
- Personal effects eg. Loss of keys cover
- Towing expenses extension'
- Medical expenses
- Passenger legal liability
- Out of accommodation
- Forced ATM withdrawal
- Loss of spare wheel/accessories
- Third party property damage limit
- Riot, strike and Civil commotion
Limits of Liabilities
| Benefits | Comprehensive |
| Windscreen | Free limit up to KES 30,000.Charged at 10% of the insured value if above KES 30,000 |
| Car Entertainment System | Free up to KES 30,000.Charged at 10% of the insured value if above KES 30,000 |
| Loss of use | Charged at 10% of the insured limit, time excess of 3 days |
| Forced ATM withdrawal | Charged at 10% of the insured limit |
| Out of accommodation | Charged at 10% of the insured limit (subject to a radius of 50 kms from home) |
| Personal effects | Charged at 10% of the insured limit |
| Loss of Spare Wheel Accessories | Charged at 10% of the insured value of the accessory or spare wheel |
| Third Party Property Damage Limit | Above KES 5,000,000 Charge 1% of insured limit |
| Passenger legal liability | Per passenger KES 3,000,000 Per event above KES 20,000,000.Charge 1% for extra limit |
| Medical Expenses | Above KES 30,000 charge 2.5% for extra limit |
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