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Understanding Third Party & Comprehensive Car Insurance Kenya Coverage
The majority of Insurance Companies in Kenya including GA Insurance company Limited, they do offer two types of Auto insurance policies – Motor Comprehensive Private car insurance and third-party car Insurance. While third-party insurance cover is cheaper and covers only third-party damages, comprehensive car insurance in Kenya cover offers a wider coverage and is hence, […]
The majority of Insurance Companies in Kenya including GA Insurance company Limited, they do offer two types of Auto insurance policies – Motor Comprehensive Private car insurance and third-party car Insurance. While third-party insurance cover is cheaper and covers only third-party damages, comprehensive car insurance in Kenya cover offers a wider coverage and is hence, slightly expensive.
Motor Private Comprehensive Insurance
What you need to Do Before Buying a Motor Private Comprehensive Car Insurance Cover
- Decide on whether you want Third Party Cover or Comprehensive Car Insurance Kenya
Normally comprehensive motor policies cover both personal damages while third-party liabilities, standalone third-party car insurance cannot be used for own personal damages.
READ ALSO ON HOW TO YOU CAN REDUCE CAR INSURANCE PREMIUMS IN KENYA
- Find out what is Covered Under Motor Private Comprehensive Car Insurance Kenya cover.
A comprehensive car insurance policy offers overall protection against damages to both parties involved in an accident. This policy is extensive, and it covers damages to cars, theft, legal liability to third-party, property damage fire, and personal accident cover.
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The policy coverage can be further improvised by opting for add-ons like accessories cover, excess protector, political violence, medical expenses, handbag contains, etc.
This coverage is highly popular since it offers end-to-end coverage and hence ensures less stress for you as the policyholder.
Car owners without a comprehensive insurance cover, most likely will risk paying from their pockets for expensive repairs of damages following an accident.
READ ALSO HOW TO MAKE A CAR INSURANCE CLAIM IN KENYA
Comprehensive car insurance in Kenya is costlier than standalone third-party insurance cover. However, it provides a lot more benefits to the insured compared to standalone third-party insurance covers.
Comprehensive car insurance in Kenya often includes coverage for: theft, fire, natural disasters like floods, vandalism, falling objects, Damage done to your car by animals, civil disturbance, like a riot that results in damage or destruction of your car.
Key Coverage of Comprehensive car insurance cover;
- Theft
- Vandalism
- Glass Damage
- Fire incidents
- Damage to a third party insured & property damage
- Damage from falling objects
- Excess protection
- Find Out What is covered under Third Party Insurance Cover
Third-party car insurance offers cover against any legal liability to a third party caused when you are at fault. It covers any damage or injury caused by the insured, to another person or property.
READ ALSO ABOUT GA INSURANCE’S MOTOR COMMERCIAL INSURANCE COVER
Why Buy Third Party Insurance Cover?
This insurance policy does cover the owner in case of any legal liability owing to death or injury to any individual or damage to any property caused by the insured vehicle and also it is a legal requirement.
Disclaimer;
The opinions expressed in this publication are those of the author. The full information of the cover is contained in the policy document. The designations employed in this publication and the presentation of material therein do not imply the expression of any opinion whatsoever on the part of GA Insurance concerning the legal status of any country, area or territory or of its authorities, or concerning the delimitation of its frontiers.
