MOTOR INSURANCE COVER VERIFICATION

Click here to Verify your motor Insurance Cover.

 GENERATE QUOTE

Click here to generate quote online.

 REPORT CORRUPTION OR FRAUD

Click here to blow the whistle on fraud or corruption.

Motor General Cartage

Overview

This policy applies to a type of vehicle that is used for the carriage of goods for others on hire and/or reward.

Features

This category is for commercial vehicles used by the insured for hire/reward business such as lorries, trucks, pickups, trailers and motor trade.

The minimum cover that is required by the Kenyan government is the Third Party cover. This policy covers third parties who may suffer from injuries or death as a result of your vehicle.

Other covers include the Comprehensive Cover and the Third Party Fire and Theft Cover.

The Comprehensive Cover is highly recommended because it insures the policyholder against all risks. These risks include:

  • Vehicle damages as a result of an accident
  • Theft of the vehicle
  • Damage to vehicle due to accidental fire
  • Damage of property belonging to third parties
  • Bodily harm to third parties
  • Damage to car accessories that had been declared when the policy was bought
  • Legal fees that may be incurred with permission from the insurer

Where a corporate has 10(ten) or more vehicles registered under one corporation and insures the vehicles with Madison Insurance the corporate gets an automatic discount on the rate as they are considered to be a fleet.

In case there is a No Claim Discount to be allowed under this class a Serialized No Claim Discount Letter(NCDL) (Form – A) will be used for policy covering one vehicle and a Serialized NCDL letter (Form – B) will be used for policy covering fleet vehicles.

Benefits

 

Extra Benefits

Third party only (TPO)

Third party Fire & Theft (TPF & T)

Comprehensive

1

Windscreen

Not applicable

Not applicable

Charge at 10% of the value insured.

2

Car Entertainment

Not applicable

Not applicable

Charge at 10% of the value insured.

3

TPPD

Kshs. 3 Million

Kshs. 3 Million

Above Kshs. 10 M, Charged at 1per mille for extra limit.

4

Medical Expenses

Not applicable

Not applicable

Above Ksh.30,000/= Charged at 2.5% up to a maximum of Ksh.30,000/=

5

Riot, Strike and Civil Commotion (RSCC)

Not applicable

Not applicable

Charged at 0.5% of the sum insured

6

Towing/ Recovery Expenses

Not Applicable

Not applicable

Above Kshs.30,000/= Charged at 10% for the insured limit.

7

Authorised Repairs

Not Applicable

Not applicable

Above Kshs. 50,000/= Insurers to authorize

8

Extended Geographical Area: Outside Kenya

Charge as per COMESA Guidelines

Charge as per COMESA Guidelines

Charged as per COMESA Guidelines

How do I get Started

  
 
  E-NEWSLETTER
Click here to receive our product updates
   CUSTOMER FEEDBACK 
Click here to post feedback
 
      
WhatsApp

WHATSAPP
Click here to reach us on Whatsapp

    
                       ENQUIRE
Ask us about our services as we are always open for you.
 
       
FIND AN AGENT 
Find us near where you are.
    REPORT CORRUPTION OR FRAUD
Click here to blow the whistle on corruption or fraud.