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Motor Private

Overview

Many advantages exist in having insurance cover for your car. For one it is a legal requirement in most jurisdictions including Kenya (Chapter 405, Laws of Kenya). Motor Insurance protects you and your loved ones in the event that your vehicle is involved in an accident, is stolen or is set on fire. Sometimes someone can drive your vehicle without your authorization and so such insurance also protects other people, or third parties. So how do you protect your investment?

At Madison Insurance we have different policies for motor vehicles. All these policies are designed to give you peace of mind while on the road. 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

At the very basic level you could choose to have the Third Party Only Cover. This is the minimum cover required by the law in Kenya. It protects third parties against bodily injury and death that maybe incurred by your vehicle as the policyholder.

The other two covers are Third Party Fire and Theft and Comprehensive. We would recommend the Comprehensive Cover. We recommend it because it covers all insurable risks. These are:-

  • Own body damage to his vehicle in case of accident
  • Theft of the vehicle
  • Accidental fire damage to the vehicle
  • Third party property damage
  • Third party bodily injuries
  • Loss or damage to the accessories if declared at inception of the cover
  • Legal expenses incurred with prior consent of insurers

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%0 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%0 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.

How do I get Started

  
 

 
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