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COMMERCIAL MOTOR VEHICLE COVERS

Keep Your Commercial Vehicles Well Protected Against Perils of The Road.

Commercial Motor Vehicle Insurance

Commercial motor vehicle insurance protects the insured against loss or damage of their commercial motor vehicle and its accessories within the republic of Kenya. However, cover can be extended to East Africa or the COMESA region. It includes legal liabilities to third parties and passengers in respect of death or bodily injury arising from the use of the motor vehicle.

We offer Commercial Motor Covers in the Following Categories

Commercial Motor (Own goods)

This cover protects the vehicles used by your business for commercial purposes. This includes, but is not limited to minibuses, trucks, tractors, and fleets of vehicles.

Commercial Motor (General Cartage)

This policy applies to vehicles that are used by the insured's business of carriage of goods for others on hire and/or reward.

Commercial Motor (Institutional Vehicles)

This policy covers institutions that use their vehicles for their own business purposes.

PSV Motor (Self Drive)

The insurance covers Motor vehicles used to carry passengers for hire and reward, specifically used for the insured's business of self-drive rentals.

PSV Motor (Private Hire - Chauffeur Driven)

The insurance covers Motor vehicles used to carry passengers for hire and reward, i.e. as chauffer-driven rentals.

PSV Motor (Taxi)

The insurance covers Motor vehicles used to carry passengers for hire and reward, specifically used as taxis, online hailing cabs etc.

Scope of Cover

This is the widest form of commercial motor insurance cover. It indemnifies the insured in the event of loss as a result of:

  • Accidental damage to the vehicle, including accidental fire damage.
  • Theft of the vehicle.
  • Damage to other vehicles or property.
  • Injury to or death of passengers in your vehicle (excluding the driver).
  • Injury to or death of Third-Party person(s) outside your vehicle, caused by your vehicle.

 

This is the minimum cover required by the Motor Insurance Act for any motor vehicle operating in Kenya. Third Party Only Cover allows unlimited liability for Third party personal injuries or death but no cover is provided for any form of damage to the policyholder’s motor vehicle

Available only for Comprehensive Cover

For a marginal premium, the comprehensive commercial motor cover can be extended  to provide additional coverage. Below are the main extensions that are available under this cover.

  • Carriers Liability/Goods in Transit cover
  • Personal Accident Cover for Driver and One Loader
  • Excess Protector

Get a Commercial Motor Vehicle Quote Today.

We offer the Most Reliable Insurance Services in Kenya.

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