A) Comprehensive
This policy provides an indemnity in respect of:-
- Loss of or damage to any insured vehicle and its accessories and spare parts therein by:-
- Accidental collision or overturning.
- Fire, external explosion, self ignition, lightning, burglary, housebreaking or theft.
- Malicious act.
- Whilst in transit by road, rail, inland waterway, lift or elevator.
- Indemnity in respect of legal liability to third parties for bodily injury or death and/or damage to property.
- The cost of protection and removal of the vehicle to the nearest repairer.
- Medical expenses incurred by the driver and any occupants of the insured vehicle as a result of bodily injury sustained in an accident.
B) Third Party Fire and Theft
This form of policy provides indemnity as stated under Items I (b), 2 and 3 above.
C) Third Party Only Cover
This form of policy provides Indemnity in respect of legal liability to third parties for bodily injury or death and/or damage to property.
INFORMATION REQUIRED FOR ISSUANCE OF COVER/QUOTATION
- Original or Certified copy of vehicle Registration card
- Value of the vehicle
- Type of cover requested Comprehensive or Third Party only
- Recent Photos of the Vehicle (For a comprehensive cover )
CLAIMS PROCEDURES AND DOCUMENTS REQUIRED
- DAMAGE TO YOUR VEHICLE
In an event of accident which results to damage of your own vehicle, please do the following;- Report immediately to the police and obtain a Vehicle Inspection Report (PF 93) and sketch map and send the documents to us.
- Report to us the accident as soon as possible within 48 hours.
- Obtain and complete claim form and return to us.
- Send us a copy of your driver's license.
- Obtain estimated price for repairing the vehicle from a garage you intend to take your vehicle for repairs, and send us the price quotation. HOWEVER DO NOT AUTHORIZE REPAIRS WITHOUT WRITTEN APPROVAL FROM YOUR INSURANCE COMPANY.
- Obtain police reports PF 90 and PF 115 once available and send us the documents.
- THEFT OF YOUR MOTOR VEHICLE
- Report to the police immediately and obtain preliminary police report.
- Report the incident to us as soon as possible.
- Obtain and complete a claim form and return it to us along with the preliminary police report.
- Write or obtain from the driver a detailed statement on the incident and submit to us.
- THIRD PARTIES CLAIMS
If someone is claiming against you in respect of damage to his vehicle, property or injury following an accident, please do the following:
- Report to us as soon as possible.
- Forward the third party’s claim letter or legal document or other documents unanswered. Do not promise any payment.
- Do not admit liability.
- Complete a claim form and forward to us with relevant supporting documents such as a copy of your driver’s driving licence and police reports PF 90 & PF 115
