School bus / Van

Let parents know that they can trust you. One way of doing this is demonstrating to them that the safety of their children is a top priority to the school.

This policy covers the bus/van comprehensively, students, teachers and other staff carried in the bus/van. It also has a PLL that covers people while on private hire for functions like funerals, weddings etc.

Cover: Comprehensive @ 4.0% and PLL at kshs.250.00

Motor Cycle

The last thing you want to worry about is whether you have the right insurance policy as you take the open road. This policy covers the motorcycle itself and also provides a personal accident for the rider as an enhancement.

Rating

We have two categories PSV and Private.:-

  • The rate is 3%
  • PSV – minimum is 6 months charged at 6k, 12 months is charged 12,108
  • Private – its only for 12 months charged a premium of 7,081
  • Limits of liability and excesses applicable will be as noted hereunder:-

Tuk Tuk

Our Tuk Tuk Insurance cover is tailor-made to suit your requirements. This product covers the Tuk Tuk as well as a personal accident for the driver as an enhancement

Comprehensive PSV insurance charge at a rate of 4% with a minimum of 15k & PLL at 500 per person

Limits of Liability and Excesses applicable will be as noted hereunder:-

Rating

The rating for both risks is as per under noted:-

  • Comprehensive PSV insurance charge at a rate of 4% with a minimum of 15k & Passenger Legal Liability (PLL)  at 500 per person.
  • Third Party insurance for the Tricycle Premium is Kshs 5,000 inclusive of Passenger Liability
  • Limits of Liability and Excesses applicable will be as noted hereunder:-

Limits of Liability

  • Third-party bodily injury – unlimited.
  • Third-party property damage – kshs. 3,000,000
  • Passengers legal liability – kshs. 3,000,000 per person and kshs. 20,000,000 per event
  • Towing charges – kshs. 10,000
  • Repair authority – kshs. 20,000
  • Medical expenses – kshs. 20,000
  • Radio cassette – N/A
  • Geographical area – Kenya

Excesses

  • Material damage – 2.5% of the sum insured minimum – kshs. 10,000
  • Theft and recovery – 2.5% every loss minimum kshs. 10,000
  • Total theft – 10% of value – minimum kshs. 10,000
  • Third-party property damage – kshs. 5,000
  • TPI – nil
  • Young driver – kshs. 5,000 additional (under 20 years of age)
  • Inexperienced driver – kshs. 5,000 additional (under 1 year experience)
  • Unlicensed driver – no cover

Drivers: Any person authorized by the insured and holding a valid license as prescribed by NTSA.
Use: In connection with the insured’s business by authorized riders and/or carriage of fare paying passengers.

Special clauses

  • Including all special perils
  • Agreed value clause
  • Excluding passenger liability to insured’s household
  • Including earthquake and floods
  • Including Kenya legal jurisdiction including use by motor trade
  • Liability of passengers
  • Replacement parts clause
  • Including riot strike, civil commotion
  • Including terrorism and political violence
  • Personal accident for rider: death limit – kshs. 250,000
  • Permanent total disability limit – kshs. 250,000
  • Medical expenses – kshs. 20,000

Commission – 10%
Comprehensive – Basic rate 6%, min. premium ksh. 25,000

Note: Premium is exclusive of extensions for political violence and terrorism and own damage excess protector.

PSV’s

For your PSV business to succeed, you need the right cover to cover you from any eventualities.

Our PSV policies ensure that you do not have to worry.

Our PSV policies include:

PSV Self Car Hire business

PSV Matatu

Provides cover for loss of or accidental damage to matatus

PSV Self-drive – car hire

Provides cover for loss of or accidental damage to motor vehicle in connection with the insured’s business for self-drive by authorized drivers.

PSV Taxi – yellow line

Provides cover for loss of or accidental damage to motor vehicle in connection with the insured’s business for taxi by authorized drivers.

PSV Chauffer Driven

Provides cover for loss of or accidental damage to motor vehicle in connection with the insured’s business for chauffer driven by authorized drivers.

Motor cycle

Provides cover for loss of or accidental damage to motor cycle in connection with the Insured’s business for tuk tuk or private use by authorized drivers.

PSV Tour Van

Provides cover for loss of or accidental damage to motor vehicle in connection with the insured’s business for tour driven by authorized drivers.

Ambulances

Provides cover for loss of or accidental damage to ambulances.

Hearse

Provides cover for loss of or accidental damage to hearse vehicle.

Fire Brigade

Provides cover for loss of or accidental damage to fire brigade vehicle.

Excavators

Provides cover for loss of or accidental damage to excavators.

Tractors

Provides cover for loss of or accidental damage to tractors.

Bulldozers

Provides cover for loss of or accidental damage to bulldozers.

Commercial Vehicles

We provide you with customized quality insurance policies that give you peace of mind as you make your business decisions.

Our Policies include:

Comprehensive and TPO

Own Good & General cartage

Motor commercial – own goods
This covers the insured against loss or damage to vehicle used to carry goods belonging to insured.

Motor commercial – general cartage
This covers the insured against loss or damage to vehicle used to carry goods belonging to third party

Motor trade – selling of vehicles

Road risks
This covers loss or damage to vehicles on the road in custody or control of the insured including liabilities to third parties

Internal risks
This covers loss or damage while in the insured’s premises including in the open yard to own vehicle(s) or vehicles held on the road in custody or control of the insured including liabilities to third parties.

Private Vehicle

Get a Car Insurance within minutes. Tuta Ku-sort!

A personal car is not only a high value possession but also gives you the comfort and freedom to move around conveniently.

Accidents or theft will not only upset your routine but may also upset you financial condition.

Get a cover with us within minutes to protect yourself against such unpleasant situations.

  • Motor private comprehensive
  • Motor third party only (TPO)

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