The Motor policy provides protection against accidental loss or damage to motor vehicle including the standard accessories and spare parts as well legal liability which the insured shall be legally liable to pay as damages for accidental bodily injury and or damage to property of 3rd parties including tow costs and expenses incurred with the written consent of the company. It includes:
- Own goods (Pick ups, Trucks Lorries)
- Motor (PSV) Chauffer Driven (Taxi Cabs Corporate & Tour vans)
- Institutional Vehicles (School Buses)
- Agricultural Vehicles (Tractors, Harvesters)
- Motor trade external and internal risks
The policy coverage can be on the following basis:
Third Party Only (TPO)Third Party Fire & Theft (TPF&T)Comprehensive
A building is defined as a private dwelling house or private flat including domestic outbuildings, landlords’ fixtures and fittings, walls, gate and fences, all on the same premises.
This section provides very wide cover in respect of specified portable items, which are, carried outside the house e.g. cameras, radio, jewelery etc
This covers domestic servants e.g. house helps, watchmen, shamba boys and chauffeurs. The cover provided is in respect of injury, death or disease arising.