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Motor Private

Overview

Motor Insurance protects your organization in the event that your vehicle is involved in an accident, is stolen or is set on fire. This cover also insures third parties.

Unexpected incidents/accidents can damage motor vehicle/s and cause expensive distribution delays in addition to interrupting the cash flows of many organizations. At Madison Insurance we have different policies for motor vehicles. All these policies are designed to give you peace of mind. Our covers depend on two things, the type of motor vehicle you would like to insure, and the number of risks against which you would like to cover.

Features

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 most motor risks. These risks include:

  • Vehicle damages as a result of an accident
  • Theft of the vehicle
  • Damage to the 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
  • Consequential Legal fees 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 fleet discount .

Benefits

 

Extra Benefits

Third party only (TPO)

Third party Fire & Theft (TPF & T

Comprehensive

1

Windscreen

Not applicable

Not applicable

Free limit up to Kshs.30,000.00.
Charged at 10% of the insured value if above 30,000.00

2

Car Entertainment System=Radio Cassette

Not applicable

Not applicable

Free up to 30,000.00.
Charged at 10% of the insured value if above 30,000.00

3

Loss of use

Not applicable

Not applicable

Charged at 10% of the insured limit, time excess of three (3) days

4

Forced ATM Withdrawal

Not applicable

Not applicable

Charged at 10% of the insured limit.

5

Out of Station Accommodation

Not applicable

Not applicable

Charged at 10% of the insured limit (subject to a radius of 50 kms from home)

6

Personal effects
Loss of Keys

Not applicable

Not applicable

Charged at 10% of the insured limit.

7

Loss of Spare Wheel / Accessories

Not applicable

Not applicable

Charged at 10% of the insured value of the accessory or spare wheel

8

Third Party Property Damage Limit

Above Kshs. 5 Million Charge 1%0 of insured limit

Above Kshs. 5 Million Charge 1%0 of insured limit

Above Kshs. 5 Million Charge 1 per mille(thousand) of insured limit

9

Passenger Legal Liability

Per Passenger KShs. 3 million
-Per event Above KShs. 20 million charge 1%o for extra limit.

Per Passenger KShs. 3 million
-Per Event Above KShs. 20 Million Charge 1%o for extra limit.

 

Per Passenger Kshs. 3 Million
-Per Event Above Kshs. 20Million Charge 1 per mille for extra limit

10

Medical Expenses

Above Kshs. 30,000/= Charge 2.5% for extra limit

Above Kshs. 30,000/= Charge 2.5% for extra limit

Above Kshs. 30,000/= Charge 2.5% for extra limit

11

Riot, Strike and Civil Commotion (RSCC)

Not applicable

Charge 0.25% of the sum insured.

Charge 0.25% of the sum insured.

12

Towing/ Recovery Expenses

Not Applicable

Not applicable

Above Kshs.30, 000/= Charge 10% for extra limit.

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