PACIS Insurance- Auto Plus Insurance
Motor
About this product
PACIS Insurance offers Auto Plus insurance that intends to guarantee the insured complete comfort in eventualities such as towing services, alternative vehicle, accident scene management and vehicle breakdown among others.Scope of the Cover
The policy is available for the following categories of vehicles:- Motor Private- The common feature of vehicles under this category is they are mainly used for pleasure, social and domestic purposes.
- Motor Commercial- The common feature here is they are 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.
Benefits of the Cover
- Windscreen cover
- Free valuation
- radio cassette cover
- special perils
- strike and civil commotion
- passenger liability
- No blame no excess
Enhanced benefits
- Free courtesy car for ten days
- Roadside assistance & rescue
- alternate accommodation following an accident
- cover for forced ATM withdrawal during the carjacking incident
- free personal accident & death cover for owner and driver
- cover for loss or damage of personal effects the following incident
Cover Rates
| Rate | 3.5% subject to Min premium of KES 15,000 |
| Towing extension | Free subject to max of KES 50,000 |
| Windscreen extension | Free,subject to a max of KES 50,000 (10% additional premium where value exceeds KES 50,000) |
| Radio Cassette extension | Free,subject to a max of KES 50,000 (10% additional premium where value exceeds KES 50,000) |
| Emergency medical expenses to the Insured and Third Parties | Max of KES 50,000 |
| Valuation | Free |
| Loss of Use extension | Car hire extension subject to maximum of KES 30,000 (10 days@3,000, excess of the first three days) |
| Third party Private vehicles | Premium of KES 7,574 per yearThird Party Fire and Theft Policy will be subject to 3% (Minimum of KES 12,500) |
Policy Excess
10% of the excess shall be charged in event of an accident claim and the member is to blame.(Min KES 2,500)| Accidental damage | excess 2.5% of the value,Min KES 15,000 Max KES 1000,000 |
| Third Party Property damage | KES 7,500 |
| Theft | With anti-theft device 10% of the Min value KES 20,000 Without anti-theft device 20% of the Min value KES 20,000 |
| Young/Inexperienced driver | Additional KES 5,000 No blame no excess subject to proof (Police abstract) |
Limits of Liabilities
| Third Party person | Third party Property | Passenger liability |
| Unlimited | KES 5,000,000 | KES 3,000,000(per person) KES 20,000,000(per person) |
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