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
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.
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.