Motor Insurance

Safeguard your vehicle against unforeseen risks such as own car damage, theft, fire and other allied perils, and third-party claims in respect of death, injury or property damage. 

Insurances include:

1. Motor Private – Comprehensive

This covers any loss or damage to the vehicle by accidental means, theft, fire, malicious damage to the vehicle and Third-Party Liabilities (death, injuries and property damage). Provides compensation for third-party property damage, third-party bodily injury and or death, passenger legal liability, windscreen, radio/music system and accidental damages.

Additional benefits may include excess protector, political violence and terrorism cover, road rescue services, courtesy car for loss of use, loss of spare tyres, additional windscreen cover, additional radio /music system cover and personal accident cover.

2. Motor Private - Third Party Only

This cover does not protect the owner but protects third parties in the event of an accident. It does not also protect the car. The owner will meet the cost of repairing the car in the event of an accident or the cost of replacement of a car in the event of being stolen, burnt or damaged beyond repair.

3. Motor Private - Third Party Fire and Theft

This is an enhanced Third-Party cover which protects the owner and the car from theft, fire risks, and third-party risks.

4. Motorcycle Insurance - Private

Provides compensation against loss of or damage to the motorcycle and legal liability to third parties arising out of the use of specified motorcycle.

5. Motorcycle (Boda boda) – PSV

Provides compensation against loss of or damage to the motorcycle and legal liability to third parties arising out of the use of specified boda boda.

6. Motor Commercial - Own Goods

Provides compensation against loss of or damage and or legal liability to third parties arising out of the use of a specified motor vehicle.

7. Motor Commercial - General Cartage

Provides compensation against loss of or damage and or legal liability to third parties arising out of the use of a specified motor vehicle.

8. Motor Commercial - Third Party Only

Provides compensation against loss of or damage and or legal liability to third parties arising out of the use of a specified motor vehicle.

9. Motor Commercial - Public Service Vehicles

Provides compensation against loss of or damage and or legal liability to third parties arising out of the use of a specified public service vehicle.

10. Motor Commercial – Tour Service Vehicles

Provides compensation against loss of or damage and or legal liability to third parties arising out of the use of a specified Tour Service Vehicle.

11. Motor Commercial - PSV Private Hire & PSV Taxi 

Provides compensation against loss of or damage and or legal liability to third parties arising out of the use of a specified motor vehicle that is involved in Taxi or Private Car hire (cabs).

12. Fleet Insurance

Provides compensation against loss of or damage and or legal liability to third parties arising out of the use of a specified motor vehicle within the fleet.

13. Motor Commercial – Institutional Vehicles 

This cover is for buses, and vans for learning institutions (Universities, Colleges, Schools), Churches and other Religious Institutions, as well as Private and Public Companies. Provides compensation against loss of or damage to and legal liability to third parties arising out of the use of specified motor vehicle

14. Motor Commercial – Tankers

Tankers are designed for transporting specific types of goods, such as hazardous materials and hence necessitates specialized coverage for liability, cargo damage, or spills in addition to compensation against loss of or damage and or legal liability to third parties arising out of the use of specified tanker.

15. Motor Commercial – Agricultural vehicles: Tractors, Harvesters

Agricultural vehicles include tractors, combine harvesters, cultivators and mowers which are designed for farming and agricultural tasks, often operating in off-road conditions. This type of insurance provides compensation against loss of or damage and or legal liability to third parties arising out of the use of the specified agricultural vehicle.

16. Motor Commercial – Special Vehicles: Ambulances, Fire Engines, Cranes, Forklifts, Excavators

Special vehicles include emergency vehicles such as ambulances, fire engines; construction vehicles such as cranes, forklifts, excavators, bulldozers; funeral vehicles such as 

Provides compensation against loss of or damage and or legal liability to third parties arising out of the use of a specified special motor vehicle.

17. Tuk - tuk Insurance

Tuk-tuks are typically three-wheeled vehicles, powered by a small engine, and designed to carry passengers or goods over short distances, often in crowded urban or rural areas. Tuk tuk insurance provides compensation against loss of or damage and or legal liability to third parties arising out of the use of the specified motor vehicle.

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