Motor insurance protects insured against financial loss in the event that the motor vehicle is involved in an accident, burnt or stolen. It also covers third party liabilities.
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- +254 770 890 000/+254 782 890 000
- info@bizsure.co.ke
- Ciata City Mall, Ridgeways, Block A, 2nd Floor
Motor Insurance
Motor Insurance has 3 classes
- Third Party - Covers third party bodily injury and property damage arising out of use of motor vehicle
- Third party Fire & Theft cover - extends to cover theft and fire from Third party. It is more expensive than Third Party
- Comprehensive cover - It covers third party liability and property damage to the vehicle ie damage arising out of fire, theft and accidental damage to the vehicle. Comprehensive doesn't mean that it covers all risks. There are exclusions
//FAQS
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What is covered under Motor Insurance?
Motor insurance provides cover for motor vehicles against accidental damage, fire damage, theft and third-party property damage or injuries.
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What happens if it is just the windscreen/window glass that is broken/cracked?
There are two options: a) Send us a filled Windscreen Claim Form and an LPO will be issued to one of our windscreen fitters and to replace the damaged windscreen/window glass. b) Have the Windscreen replaced and send us filled Windscreen Claim form along with the original replacement receipts with ETR receipt and photographs of the vehicle before and after replacement.
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I sold my car and bought a new one, could I transfer my insurance cover to the new car?
Motor insurance being a personal contract it is not transferable to other parties. Thus, in the event of the sale of the vehicle(s), you will need to inform us in writing or return the original certificate of insurance to us immediately to facilitate suspension or cancellation and transfer cover to the new car.
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How many times is general insurance premium paid?
This is an annual cover, traditionally the premium is payable once in a year. However, there are time we can extend premium payment by installments through the bank where we have an arrangement for IPF (Insurance Premium Financing). For motor, premiums should be paid on commencement of cover or for partial payments short-term cover is issued.
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What benefits are covered in a comprehensive motor cover?
Your vehicle is covered for the value insured and its components ie radio/entertainment unit and windscreen. Other benefits covered include:
- - Third party claims
- - Towing Charges
- - Excess Protector
- - Political violence & terrorism
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Do I have to value the car every year?
Yes, the vehicle has to be valued every year to get the up to date value of the car. The valuation is paid for by the insurance company.
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Will I be required to pay excess amount if the accident was not my fault?
If the police abstract clearly indicates the party to be blamed for the accident, your excess amount may be waived.
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What is excess amount?
This is the amount of the loss as stated in the primary policy schedule to be borne by the insured in the event of a claim.
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Should I report any road incident involving the vehicle even if the vehicle suffers no damage?
Yes, you should. Do not take risk of not notifying the insurance about the ‘minor’ incident. The other driver or third party may sue you for the incident long after the incident.
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What should I do if I have an accident/theft?
In case of an accident or loss of the vehicle, you should immediately notify the police about the incident/loss and your insurance company.
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What should I do incase I hit a pedestrian on the road?
In case you run over a pedestrian make sure you report to us through our phone numbers or email address provided below as soon as possible. Share any hospital receipts and court sermons in the case of a law suit.