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Comprehensive Insurance

This provides the widest protection as it incorporates all the covers in it and also includes protection for accidental damage to insured vehicle.

The policy excludes:

  • Consequential loss , depreciation , wear and tear , mechanical or electrical breakdown
  • Damage to tyres
  • Theft of accessories or spare parts unless there is forcible and violent entry into the motor vehicle
  • Damage to springs due to inequalities of the road

Full Third Party Insurance Motor Insurance

This provides protection for the insured’s legal liability to Third Parties in respect of bodily injury and property damage up to a specified limit.

Full Third Fire And Theft Motor Insurance

This provides protection for the insured’s legal liability to Third Parties and also protection of own vehicles for loss or damage by fire or theft.

GRZ Motor Vehicle Insurance Scheme

This is comprehensive motor insurance cover for civil servants. The premium are payable in installments through the payroll. The scheme offers comprehensive cover plus Riot & Strike – i.e. Loss of or damage to the insured vehicle (Riot and Strike included) and indemnity against all sums legally liable to pay to other parties for:

  1. Bodily injury including passengers
  2. Damage to third party property arising from use of the insured vehicle.

Property insured : Any Private motor vehicle (cars, vans and pick-ups) owned, used and operated by the insured as declared to the insurer.Use of vehicle : Use for Social, domestic and pleasure purposes and by the insured in connection with his/her employers business only.Third Party Liability Limit : KR150,000.00 Combined Single Limit any one event (Injury/death and property damage).

Additional Benefits :

  • Medical expenses
  • Replacement of locks & keys
  • Unauthorized repair limit
  • Undeclared audio equipment
  • Cost of protection and removal
  • Windscreen Excess waiver

Premium payment :

Payment of the premium due shall be done through the payroll. The premium due shall be paid in six (6) equal monthly installments from commencement of cover.

Motor Traders Insurance

This is a policy that offers protection to a business at all times and is most suitable for dealers of vehicles, vehicle traders, fleet operators and all those engaged in the repair and maintenance of vehicles including testing. The policy covers events such as fires, storms or accidents at the garage or workshop and theft .

Comesa Yellow Card

The Yellow Card provides the equivalent of the minimum compulsory Third party Motor Vehicle Liability Insurance cover as required by the Law in force in the territories of the participating states in the scheme, when the vehicles insured are transiting or visiting other countries. The Yellow Card also provides cover to include liability for Motor third Party Property damage.

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