Heritage Insurance-Motor Cycle Insurance
Motor
About this product
Heritage insurance offers Motor Cycle insurance policy that covers those used for business purposes only.Scope of the cover
For the different categories of vehicles the following three types of insurance can be purchased:- Third Party Only (TP)- This is the basic and minimum cover available. It provides for liability to third parties only in respect of bodily injury and damage to third party property. It is the mandatory cover that a motorist should have.
- Third Party Fire and Theft (TPF&T) - This cover protects you against all third party risks mentioned above in addition to loss and/or damage to your vehicle due to theft and fire
- Comprehensive - This is a superior cover to all the others it protects you against the third party’s death, bodily injury and/or property damage as well as loss/ damage to your vehicle due to accidental fire, theft or an accident.
Benefits of the Cover
- Loss of use
- Loss of spare-wheel/accessory
- Passenger legal liability
- Third party property damage
- Medical expense
- Out of station Accommodation
- Towing charges
- Riot strike and civil commotion
Cover Rates
| Rates | Comprehensive |
| Premium | 3% of the sum insured subject to a minimum of KES 5,000 |
| Policy Excess | NIL |
| Theft Excess | 10% of the sum insured subject to a minimum of KES 10,000; |
| Material Damage Excess | 5% of the sum insured subject to a minimum of KES 7,500 |
| Young and/or inexperienced drivers | Charge additional premium of KES 2,000 |
Limits of Liabilities (comprehensive only)
| Towing expense | Authorized Repairs |
| Nil | KES 1,000 |
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