Motor commercial insurance refers to a type of insurance coverage designed for businesses that use vehicles as part of their operations. It provides protection against financial losses that may arise from accidents, theft, or damage involving commercial vehicles such as trucks, vans, or fleet cars.
This insurance can cover:
PLL (Personal Legal Liability) Benefit Covers driver or business owner in case of accidents or incidents that lead to bodily injury, property damage, or other claims that involve a third party. This benefit is typically aimed at protecting the insured from the financial consequences of lawsuits or legal actions that may arise from accidents involving their commercial vehicles.
| Benefit | Limits of Liability |
|---|---|
| Windscreen | Ksh. 50,000 |
| Vehicle Entertainment System | Ksh. 30,000 |
| Towing/ Recovery Expenses | Ksh. 100,000 |
| Geographical Area | Cover extended to COMESA region subject to towing the motor vehicle to Kenya at the insured’s cost following an accident |
| Riot, Strike and Civil Commotion (RSCC) | Applicable |
| Third Party Property Damage Limit | ksh. 5,000,000 |
| Passenger Legal Liability(Any one Person) | ksh. 3,000,000 |
| Passenger Legal Liability(Any one Event) | ksh. 20,000,000 |
| Third Party Claim | 7500 |
| Own Damage /Partial Theft | 5% of vehicle value minimum Kshs. 30,000 |
| Total Theft | 10% of vehicle value with anti-theft devices, 25% of vehicle value without anti-theft satelite tracking devices min Kshs 30,000/= |
| Novice Drivers (Less than 2 years driving experience) | Ksh 10,000 over and above normal excess |
If you are interested in purchasing Motor Commercial Insurance, please click (Get Cover.)
If you would like further explanation or assistance about how it is essential, please click (I Need Assistance.)
