BENEFITS IN THE POLICY:
Windscreen: Covered for Free up to KES. 50,000
Vehicle Entertainment System: Covered for Free up to KES. 50,000
Towing/ Recovery Expenses: Covered for Free up to KES. 50,000
Repair Authority: Covered for Free up to KES. 50,000
EXTRAS INCLUDED IN THE POLICY:
Medical Expenses: Covered for Free up to KES. 30,000
Loss of Use: Based on the number of days, excess of three days
Road Rescue (recovery & towing): Automobile Association of Kenya(AA) within Kenya
Claims: Drive Assessment at AIG House
Special perils: Use by Motor Trader
Agreed Value: Applicable subject to valuation at inception or renewal or dealer invoice for zero mileage
Personal Accident (free with road rescue benefit) KES. 500,000 is payable in case of death of any authorized driver arising from a road accident involving the insured vehicle.
Emergency Medical Response (road ambulance), (free with road rescue benefit): Covered
but for Designated Road Ambulance Provider within East Africa.
Geographical Area: East Africa (Kenya, Uganda, Tanzania, Rwanda & Burundi)
Riot, Strike and Civil Commotion (RSCC): Covered
Third Party Bodily Injury: Unlimited
Third Party Property Damage Limit: 20,000,000
Passenger Legal Liability (Per Passenger): 3,000,000
Passenger Legal Liability (Per Event): 20,000,000
Third Party: NIL
Third Party Property Damage: NIL
Accidental Damage /Partial Theft: 2.5% of vehicle value minimum Kshs. 20,000. NO BLAME NO EXCESS
Total Theft: 10% of vehicle value with anti-theft devices, 20% of vehicle value without anti-theft and 2.5% of vehicle value with approved satellite tracking devices min Kshs 20,000/=
Learner, Young (below 25Yrs) & Inexperienced Drivers (less than 2 years): KES. 5,000/- in addition to any other excess on the policy.
Vehicle max age at entry is 10 years
Minimum premium 35,000
NO BLAME NO EXCESS:
Will apply in respect to accidental damage where the insured is not to blame. A police abstract report blaming the third party will be required as proof of the party to blame for this benefit to apply. There must be an identifiable Third Party vehicle. Claims below the minimum excess will be borne by the insured.
Will apply where the motor vehicle is involved in an accident, the insured will not be liable to pay AIG any amount of excess that is applicable in respect of accidental own damage but subject to the claim amount being above payable minimum excess. When the excess protection is applied to a claim, cover will be deemed to have been utilized and the client is expected to reinstate the same at an additional premium to continue enjoying this benefit.