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APA INSURANCE
APA Insurance provides a motor insurance that has the following main features:
- Basic premium rate – 4.5% of vehicle value
- Excess protector – 0.5%
- Third party personal injury – 3,000,000 per person, unlimited per event
- Third party property damage – 5,000,000
- Passenger legal liability: – a) any one person – 3,000,000
- b) any one event – 20,000,000
- radio cassette – 30,000
- Windscreen & window glass – 30,000
- repair authority limit – 50,000
- towing charges – 30,000
- emergency medical expenses – 30,000
HERITAGE INSURANCE (LADIES FIRST CAR INSURANCE)
Heritage insurance has a superb motor insurance for the ladies with the following features:
- basic premium rate – 7.5% of the value of the vehicle
- payments can be done in 3 month’s installments at no extra charge
- personal accident cover of up to Kshs 300,000 each for you, your spouse and up to 3 children
- cover for loss of the following prized possessions:
- handbag – up to Kshs 10,000
- mobile phone – up to Kshs 15,000
- laptop – up to Kshs 40,000
- jewellery – up to Kshs 20,000
- shoes – up to Kshs 5,000
- child car seat – up to Kshs 8,000
- free AA membership that gives:
- 24hr road accident rescue
- Post accident assistance
- One free annual tow for mechanical breakdowns
- Technical advice and auto clinics for lady motorists
- Health screening for pap smear tests and mammogram (1 per year) at selected health facilities. Kindly note that you will pay 50% of the cost & Heritage will pay the other 50%.
- Spa facilities: – choose between a 60 minute massage or a manicure, pedicure and hair treatment (1 per year) at selected facilities. Heritage pays 100% of the cost.
NB: – if you have 2 years previous experience with no claim, you will qualify for 10% discount on the premium. If you have 4 years, you will get 30% discount. If you have no previous insurance, you will start to build up No Claims Discount on your Ladies First Policy.
JUBILEE INSURANCE
LADY JUBILEE COVER
ADDED BENEFITS
- Free Gift Hamper
- Free medical check up
- Discounts at various outlets
| PLAN | BRONZE(Kshs) | GOLD(Kshs) | PLATINUM(Kshs) |
| Car Value | 1M and below | Above 1M and below 2M | 2M and above |
| Hand bag contents | 5,000 | 10,000 | 20,000 |
| Auto Assured Road rescue | N/A | Free | Free |
| Discounted prices at | Yes | Yes | Yes |
| Child school fees payable upon accidental Death or Disability | 250,000 | 500,000 | 1,000,000 |
| Free medical check up | Free | Free | Free |
| Home Insurance (content cover) | 100,000 | 250,000 | 500,000 |
| Personal Accident for Insured | 100,000 | 200,000 | 300,000 |
| Excess protector | N/A | Free | Free |
| Money back on no-claim after two years, equivalent to one month premium and an additional money back of one month premium after no claim in the third year. | Yes | Yes | Yes |
| Non Claim Discount benefit | Yes | Yes | Yes |
| Fuel Voucher | 500 | 1,000 | 1,500 |
Cover Options
Bronze
- Up to KES 1,000,000 cover
- KES 5,000 handbag contents
- KES 500 fuel voucher
Gold
- Up to KES 2,000,000 cover
- KES 10,000 handbag contents
- KES 1,000 fuel voucher
Platinum
- Up to KES 5,000,000 cover
- KES 20,000 handbag contents
- KES 1,500 fuel voucher
GENERAL MOTOR
- Motor Insurance (third party) is compulsory in Kenya
- Protects insured against financial loss in the event that the motor vehicle is involved in an accident, burnt or is stolen
- covers third party liabilities
| ITEM | AMOUNT(Kshs) |
| Windscreen | 30,000 |
| Car Entertainment | 30,000 |
| Third Party Property Damage Limit | 5,000,000 |
| Passenger Legal Liability -Person | 3,000,000 |
| Passenger Legal Liability -Per Event | 20,000,000 |
| Medical Expenses | 30,000 |
| Riot, Strike & Civil Commotion owing/Recovery Expenses | 50,000 |
| Repair Authority | 30,000 |
Cover Options
Third Party Only (TPO)
- Third party Bodily Injuries
- Third Party Property Damage arising out of use of the motor vehicle.
- Note: This is the minimum and compulsory motor insurance cover in Kenya (Cap 405)
Third Party Fire & Theft (TPF&T)
- All TPO cover
- Theft/malicious damage
- Fire/special perils. e.g. Floods, wind, storm, falling trees, etc
Comprehensive
- Third party liability –Injury & property damage
- Fire/special perils
- Theft/malicious damage
- Accidental damage
OPTIONAL BENEFITS
- Normally available at additional premium to enhance cover.
- Loss of use/Car hire
- Excess Protector
- Personal effects/Loss of Keys
- Passenger Legal Liability
- Forced ATM withdrawal
- Out of station accommodation
- Terrorism, Sabotage & Political Risks
- Extended Geographical Area outside Kenya– Comesa Extensive Cover
- Road Rescue Services – INFAMA
RATING
Regulated by IRA and are based on claim experience
| Comprehensive | Third Party Fire & Theft | Third Part Only (TPO) |
- Based on a NCD structure – reward good drivers, punish errant ones
- Gross rates are charged and discount earned for every claims free year
- Minimum rates beyond which rates cannot dip
- Fleets are accorded special discounts – 10 corporate, 3 individual
- A minimum premium whatever the vehicle value
- NCD letters/forms issued to clients changing insurers
- Maximum Age of the vehicle
| - A rate lower than Comprehensive rate is normally charged.
- Optional benefits don’t apply.
| - A minimum premium exists for specific class
- No NCD applies.
|
CONDITIONS AND CLAUSES
- Authorized Antitheft device e.g. Alarm, satellite tracking etc
- Average Clause in case of under insurance
- Compulsory Excess Endorsement
- Market value Clause
- Replacement parts Clause
- Riots, Strikes & civil Commotion
- Windscreen & window Glass Endorsement
- War, civil war political risks and Terrorism Exclusion
EXCLUSIONS
- Consequential Loss
- Depreciation wear and tear, mechanical or Electrical
- Breakdown, failures or breakages
- Damage to tyres unless damage is caused to other parts of the motor vehicle at the same time
- The insured injuries and members of his/her household
- Claims arising outside the Geographical area – Kenya
- Willful damage of the insured Motor vehicle
CLAIM PROCESS
- Accident occurrence
- Report the Accident to the Police & insurer
- Insured to document the claim and attach evidence i.e police abstract, driving licence
- Vehicle taken to the Garage within the Panel
- Assessor send to assess the damage/Liability
- Insured Advised on repairs and excess payable
- Release letter issued by the insurer
- Insured collects repaired vehicle and signs satisfaction note
- Cost of repairs Documents send to the Insurer
