Motor Commercial Own Goods

Overview

Distributors, traders, business chains, sole proprietors rely on a fast and efficient supply chain to keep their enterprises well supplied to meet customer demand. In many instances, they invest backwards and forwards into the distribution chain to ensure that the flow of products is maintained, and client expectations fulfilled. Where volumes are significant or justifiable, they often opt transport their goods from one point to another using their own vehicles. This policy therefore covers a vehicle for private use and the carriage of goods for the insured’s business only. The vehicle under consideration must be permitted under the law to the used for transportation services.

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Scope

This category is for commercial vehicles used for the insured’s own business such as tractors, lorries, trucks, pickups, trailers and motor trade. Cover includes

  • Vehicle damages as a result of an accident
  • Theft of the vehicle
  • Damage to vehicle due to accidental fire
  • Damage of property belonging to third parties
  • Bodily harm to third parties
  • Damage to car accessories that had been declared when the policy was bought
  • Legal fees that may be incurred as a result of the car, with permission from the insurer.

Cover Benefits

Extra Benefits Third party only (TPO) Third party Fire & Theft (TPF & T) Comprehensive

 

1 Windscreen Not applicable Not applicable Applicable, Chargeable

 

2 Car Entertainment Not applicable Not applicable Applicable, Chargeable
3 TPPD

 

Applicable to limit Applicable to limit Applicable
4 Medical Expenses

 

Not applicable Not applicable Applicable to limit, Chargeable
5 Riot, Strike and Civil Commotion (RSCC) Not applicable Not applicable Chargeable
6

 

Towing/ Recovery Expenses Not Applicable Not applicable Applicable to limit, Chargeable
7

 

Authorized Repairs Not Applicable Not applicable Applicable to limit
8

 

Extended Geographical Area: Outside Kenya Charge as per COMESA Guidelines Charge as per COMESA Guidelines Charge as per COMESA Guidelines

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