a) Vehicle should be less than 15 years since the year of manufacture.
b) Minimum vehicle value of Kshs. 500,000/=

a) confirm its existence as proposed.
b) verify if the vehicle is in an insurable state.
c) obtain proper Market value for claims purposes.

This is where a client is exonerated from being blamed for causing an accident.
Condition applicable are the following:
a) There must be an identified third party motor risk and the owner.
b) Police abstract report clearly indicating who is to blame for causing the accident

This cover relieves the customer from the burden of paying own damage excess for
accident arising out of collision. It is important to note that the damage sustained on
the vehicle and cost or repairs must be above the policy excess amount. Claims falling
below the primary excess are not recoverable.