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AIG INSURANCE: KENYA: MOTOR PSV WITH VALUE BELOW KES. 1,500,000


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Premium per year is

See What's Covered



BENEFITS IN THE POLICY:

Passenger Legal Liability: Cover applicable for non fare paying students from other school if it is a school bus

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

Key Replacement: Covered up to a limit of KES. 40,000

Vehicle Valuation by Approved valuer: Available at KES. 400

Road Rescue (recovery & towing): Automobile Association of Kenya(AA) within Kenya

Claims Drive Assessment at AIG House: Available

Special perils: Covered.

Use by Motor Trader: Covered.

Agreed Value: Applicable subject to valuation at inception or renewal or dealer invoice for zero mileage.

Geographical Area: East Africa (Kenya, Uganda, Tanzania, Rwanda & Burundi)

Riot, Strike and Civil Commotion (RSCC): Covered

THIRD PARTY LIMIT OF LIABILITY:

Third Party Bodily Injury: Covered and its 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

EXCESS APPLICABLE:

Third Party: NIL

Third Party Property Damage: NIL

Accidental Damage or Partial Theft: 5% of vehicle value minimum Kshs. 35,000/-.NO BLAME NO EXCESS. Alternator & starter excess is 10% of replacement cost minimum Kshs.10,000                                                                

When there is Total Theft: 10% of vehicle value with anti-theft devices, 20% of vehicle value without anti-theft  and 5% of vehicle value with approved satellite tracking devices min Kshs 20,000/=

Learner, Young (below 25Yrs) & Inexperienced Drivers (less than 2 years): KES. 10,000/- in addition to any other excess on the policy.

NB

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.

EXCESS PROTECTOR:

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.


Additional benefits



Excess protector:

Political Risk/terrorism:

AA Membership/Rescue: 3,500

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