Motor Commercial

Under motor commercial insurance, all private vehicles are covered. The covers given are classified into three levels.

Third party: This covers the legal liability of the owner or driver towards third parties against injuries or damages to their properties, subject to exclusions.

Third party fire and theft: In addition to third party cover, it covers fire and theft to the vehicle and or its accessories in the vehicle subject to exclusions.

Comprehensive cover: In addition to third party, fire and theft, it covers accidental and malicious damage to the vehicle. The insured will be indemnified against loss or damages to the motor vehicle and its accessories and spare parts whilst thereon:

• By accidental collision or overturning subsequent upon mechanical breakdown.
• By fire, external explosion, self ignition, or lightning or break in or theft.
• By malicious acts.
• By accidents caused by or through loading or unloading of vehicles (Goods carrying vehicles) by road, rail, inland waterway lifts or elevators.

The loss therein may be paid in cash, reinstatement, repair the motor vehicle or any part or its accessories or parts thereof. The liability thereof should not exceed the market value of the vehicle or the accessories thereof or the sum insured whichever is lower.

Comprehensive cover under commercial insurance, subject to an agreement, attracts several extensions with no extra premiums on:

• Radio Cassette.
• Windscreen.

In any case, the insurance contain an imposed excess. An excess is the first part of any claim which is borne by the insured. Kenindia Assurance Company Ltd extends cover to include Motor PSV Self Drive, Motor PSV Private Hire and Motor PSV General Cartage Insurance to valued clients.