Motor Commercial Insurance is also known as Own Damage Insurance covers damages to your motor vehicle following an accident, fire, flood or malicious damage. It also covers the theft of the vehicle and the third party liability arising out of the use of the vehicle. The geographical coverage is Kenya but can be extended to cover East Africa.
APA has a wide network of garages and other service providers where clients can take their vehicles for repairs and enjoy cashless service.
MOTOR COMMERCIAL OWN GOODS:
GENERAL CARTAGE:
GENERAL CARTAGE TANKERS:
MOTOR ADVANTAGE
MOTOR COMMERCIAL SPECIAL TYPES (Agricultural & Forestry):
MOTOR PSV PRIVATE HIRE (Chauffeur Driven):
MOTOR PSV TAXIS (Chauffeur Driven):
MOTOR CONTINGENT LIABILITY:
MOTOR COMMERCIAL INSTITUTIONAL VEHICLES:
MOTOR COMMERCIAL DRIVING SCHOOL VEHICLES:
Extra Benefits | Third party only (TPO) | Third party Fire & Theft (TPF & T) | Comprehensive |
---|---|---|---|
Windscreen | N/A | N/A | Free limit up to Kshs. 50,000.00
Additional cover over and above free limit cover is charged at 10% of the insured value |
Car Entertainment System | N/A | N/A | Free limit up to Kshs. 30,000.00
Additional cover over and above free limit cover is charged at 10% of the insured value |
Accidental Damage Excess Protector | N/A | N/A | Charged at 0.25% of insured value with a minimum of Kshs. 2,000.00 |
Accidental & Theft Excess Protector | N/A | N/A | Charged at 0.5% of insured value with a minimum of Kshs. 5,000.00 Subject to the vehicle being fitted with Anti-theft device |
Loss of Use/ Courtesy Car | N/A | N/A | 10 Days cover at Kshs. 3,000.00 20 Days Cover at Kshs. 5,000.00 Subject to time excess of three (3) |
Political Violence & Terrorism cover | N/A | N/A | Charged at 0.25% of insured value with a minimum of Kshs. 1,500.00 |
Towing/Recovery Expenses | N/A | N/A | Free cover up to Kshs. 30,000.00 On reimbursement basis |
Repair Authority | N/A | N/A | Up to Kshs. 30,000.00 |
Medical Expenses On reimbursement | Free cover up to Kshs. 20,000.00 | Free cover up to Kshs. 20,000.00 | Free cover up to Kshs. 20,000.00 |
Third Part Persons | - Any one person Kshs. 3 Million -Any One Event Kshs. 20 Million |
- Any one person Kshs. 3 Million -Any One Event Kshs. 20 Million |
- Any one person Kshs. 3 Million - Any One Event Kshs. 20 Million |
Third Party Property Damage Limit | Up to Kshs. 20 million | Up to Kshs. 20 million | Up to Kshs. 20 million |
Passenger Legal Liability | Per Passenger KShs. 4 million Per event Kshs. 20 million |
Per Passenger KShs. 4 million -Per event Kshs. 20 million |
Per Passenger KShs. 4 million Per event Kshs. 20 millionn |
If you are interested in learning how much this insurance product would cost you, or if you are interested in purchasing this insurance product, please click Get Cover.
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Download forms will give you access to any relevant documents for this insurance product, such as the claim form, proposal form, etc.