Vehicle categories
Commercial vehicles range from vans, pick-ups and buses to canters, articulated vehicles and prime movers. For insurance purposes they are grouped into these categories:
- Own goods
- Commercial vehicles used to carry your own goods.
- General cartage
- Vehicles carrying goods for hire or reward, such as lorries, trucks, prime movers and trailers.
- Special vehicles
- Fire engines, ambulances, cranes, forklifts, rollers and excavators.
- Agricultural and forestry
- Tractors, combine harvesters and similar equipment.
- Institutional vehicles
- Staff buses and vans.
- Other covers
- External covers including Kenya Garage (KG) plates, motorcycles, pedal cycles, and motor trade internal and external risks.
Benefits under comprehensive commercial cover
- Windscreen damage, free up to a limit
- Car entertainment system, free up to a limit
- Towing charges
- Authorised repair limit
- Medical expenses
- Passenger legal liability, which can be increased
- Forced ATM withdrawal
- Personal effects and loss of keys
- Loss of spare wheels and accessories
Types of cover
Third party only
Covers death or bodily injury to other people up to the limit set under the Insurance (Motor Vehicles Third Party Risks) Act, Cap 405, and damage to other people's property up to a specified limit. This is the minimum cover required by law.
Comprehensive
Everything in a third party policy, plus loss of or damage to your own vehicle from accidental damage, fire, theft, accidental collision or overturning, and malicious damage.
Limits and excesses differ between insurers. We confirm the exact terms for your vehicle before you buy.
Extensions for an additional premium
- Political violence and terrorism
- Damage caused by political violence, riots and terrorism, excluding theft.
- Excess protector
- Removes or reduces the excess you pay on an own-damage claim.
- Loss of use
- A contribution towards alternative transport while your vehicle is repaired after an insured claim.
- COMESA cover
- Extends third party cover to travel within the COMESA region.
Documents you will need
- Copies of the vehicle logbooks
- Company registration certificate and KRA PIN
- Schedule of vehicles, uses and values
- Valuation reports, for comprehensive cover
- Claims history for the last three years
- Drivers' details, where required by the insurer
Draft Document list to be confirmed by Ksembi.
Common questions
Can several vehicles be insured on one policy?
Yes. A fleet policy covers all your vehicles with one renewal date and one point of contact for claims, and vehicles can be added or removed during the year.
Is cover different for vehicles carrying goods for hire?
Yes. Vehicles carrying goods for hire or reward are rated as general cartage, which differs from carrying your own goods. The correct category must be declared for claims to be paid.
What happens if one of our drivers has an accident?
Report the accident at the nearest police station and call us on 0722 631 370. We will guide you through the claim and deal with the insurer.
Draft Answers to be reviewed by Ksembi.
