Metropolitan Cannon Insurance -Motor Private Insurance
Motor
About this product
Metropolitan Cannon is offering Motor Private cover for private vehicles. These are vehicles used for domestic, pleasure and social 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.
Extra benefits of the Cover
- Windscreen
- Car Entertainment
- Loss of use
- Forced ATM withdrawal
- Personal effects loss of keys
- Out of station accommodation
- Third party property damage
- Medical expenses
- Towing/Recovery expenses
- Riot, Strike and Civil commotion
- Passenger legal liability
Limits of liabilities
| Extra benefits | TPO | TPFT | Comprehensive |
| Windscreen | Not applicable | Not applicable | Free limit up to KES 30,000 charged at 10% of the insured value if above KES 30,000 |
| Car Entertainment | Not applicable | Not applicable | Free limit up to KES 30,000 charged at 10% of the insured if above KES 30,000 |
| Loss of use | Not applicable | Not applicable | Charged at 10% of the insured limit,time excess of 3 days |
| Forced ATM withdrawal | Not applicable | Not applicable | Charged at 10% of the insured limit |
| Out of station Accommodation | Not applicable | Not applicable | charged at 10% of the insured limit ( subject to a radius of 50 Km from home ) |
| Personal effects loss of keys | Not applicable | Not applicable | charged at 10% of the insured limit |
| Loss of spare wheel/accessories | Not applicable | Not applicable | 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%0 of insured limit | Above KES 5,000,000 charge 1%0 of insured limit | Above KES 5,000,000 charge 1 per mile (thousand) of insured limit |
| Passenger legal liability | Per passenger KES 3,000,000-Per event Above KES 20,000,000 charge 1%0 for extra limit | Per passenger KES 3,000,000-Per event Above KES 20,000,000 charge 1%0 for extra limit | Per passenger KES 3,000,000-Per event Above KES 20,000,000 charge 1 per mile for extra limit |
| Medical expenses | Above KES 30,000 charge 2.5% for extra limit | Above KES 30,000 charge 2.5% for extra limit | Above KES 30,000 charge 2.5% for extra limit |
| Riot,Strike and Civil commotion | Not Applicable | Charge 0.25% of the sum insured | Charge 0.25% of the sum insured |
| Towing/Recovery Expenses | Not Applicable | Not Applicable | Above KES 30,000 charge 10% for extra limit |
Policy Excess
| Own damage | 2.5% of SI min KES 10,000 |
| Theft without a tracking device | 20% of SI min KES 20,000 |
| Theft with a tracking device | 10% min KES 20,000 |
| Thefts with a tracking device | 2.5% of SI min KES 20,000 |
| TPPD | KES 7,500 |
| New, Young and inexperienced drivers | KES 5,000 |
| Windscreen and Radio Cassette | KES 20,000 |
| Partial Theft | 5% of SI min KES 15,000 |
| Excess protector | 0.25% additional |
Comments