Get the right coverage for the open road

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:-

• Enrollment requirements

  The enrollment process is very easy. All you need are the following documents:

  • Logbook
  • Driving license
  • Insured ID
  • Pin certificate
  • Premium
• Eligibility

  Any person over 18 years and with a valid driving license.

• Benefits
  • Tracking devices
  • Occupational group personal accident for the driver and loader
  • No blame no excess
  • Carriers liability
  • Loss of use cover
  • Loss of personal effects
  • Replacement of damaged and or lost key
  • Forced ATM withdrawal limit
  • Accommodation after an accident
  • Daily hospitalization allowance
  • Courtesy car
  • Political violence and terrorism risks
• Claim
  • Claim form
  • Copy of ID and KRA pin
  • Police abstract
  • Driving license
  • Copy of logbook
  • Statement
• Claim procedure
  • Fully filled claim form
  • Police abstract
  • Copy of rider driving license
  • Statement by driver and insured
  • Copy of log book
• Motorcycle (PSV) comprehensive

  Motorcycle (PSV) comprehensive

  Premium 5% of the value minimum Kshs 5,000 inclusive of levies.

  The insured will pay an optional amount of 2,000 for a personal accident of death and permanent total disability benefits of Kshs.250,000 and medical expenses cover in respect of motorcycle accidents only for Kshs. 50,000

  Limits of liability and excesses applicable will be as noted hereunder:-

  Limits of liability

  • Third-party bodily injury – unlimited
  • Third-party property damage – Kshs. 2,000,000
  • 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
  • Accidental medical expenses – Kshs.20,000
  • Radio cassette – N/A
  • Geographical area – Kenya

  Excesses

  • Material damage – 2.5% of the sum insured min – kshs. 7,500
  • Theft and recovery – 2.5% each and every loss min – kshs. 7,500
  • Total theft – 10% of value, min – kshs. 15,000
  • Third-party property damage – kshs. 5,000
  • Third-party injury claims – nil
  • Novice riders – kshs. 5,000 additional (under one year experience)
  • Unlicensed riders – no cover

  Drivers

  Any person authorized by the insured and holding a driving/riding license prescribed by NTSA.

  Special clauses

  • Including all special perils/acts of God
  • Agreed value clause
  • Excluding passenger liability to the insured’s household
  • Including Kenya legal jurisdiction
  • Including use by motor trade
  • Liability of passengers
  • No blame no excess clause
  • Replacement parts clause
  • Including riot strike, civil commotion
  • Including terrorism & political violence
  • Personal accident for rider: Death limit – kshs. 100,000
  • Personal accident for rider: PTD limit – kshs. 100,000
  • Personal accident for rider: Medical expenses – kshs. 20,000

  Annual premium: SP of sum insured; minimum kshs. 18,000 for bodaboda and kshs. 12,000 for private motorcycles exclusive of levies and stamp duty.

  Half-year premium: Half the annual premium.

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

• Motorcycle (PSV) TPO

  Motorcycle (PSV) TPO
  
  Premium Kshs 3000 inclusive of levies.

  Limits of liability and excesses applicable will be as noted hereunder:-

  Limits of liability /excess

  • Third-party property damage – Kshs.2,000,000
  • Third-party personal injury – unlimited

  Therefore the customer can take an annual cover for Kshs. 3,054/= inclusive of taxes

• Motorcycle private - third party only

  Motorcycle private

  Third-party only

  Premium Kshs 2,000

  Limits of liability /excess

  • Third party property damage – Kshs.2,000,000
  • Third party personal injury – unlimited
  • Young/ novice driver – additional Kshs. 2,000

  NB:- Customers must complete a proposal form and attach copies of the rider’s driving license & logbook

  Therefore the customer can take an annual cover for Kshs. 2,049/=