Motor Insurance covers loss or damage to the vehicle and its accessories including legal liability to third parties and passengers in respect of death or bodily injury arising from the use of the motor vehicle.

The cover is available in the following categories of vehicles;

This provides insurance protection against accidental loss or damage to personal private motor vehicles including the standard accessories and spare parts whilst thereon as well as protection against legal liability to third parties.

There are three types of Motor Private Insurance Cover:

Comprehensive

    • Also covers loss or damage to motor vehicle caused by or arising out of accidental collision or, overturning, or collision or overturning consequent upon mechanical breakdown, wear or tear.

Third Party Only

This is the minimum cover that can be offered and coverage includes:

    • Death of/bodily injury to any persons other than employees of insured and members of his own family.
    • Damage to Third Party property arising out of or caused by use of insured’s motor vehicle.

Third Party, Fire and Theft

    • In addition there is coverage for damage to insured’s motor vehicle arising out of or caused by fire, external explosion, self ignition, lightning, burglary or theft.

This provides comprehensive commercial auto insurance to indemnity business firms and large corporations against accidental loss or damage to the motor vehicle and its accessories whilst thereon as well as protection against legal liability to third parties.

Coverage

  • Provide Comprehensive Cover to Commercial Fleets for general transportation of goods, passengers and service vehicles.

 Covered Losses

  • Own Damage
  • Theft & Fire damage
  • Third Party Property Damage
  • Third Party Bodily Injury

This class includes any two wheeled vehicle propelled by an engine exceeding 50cc.