Insurance Consulting Services

1. Motor Cycle Private

As a motorcycle rider, you should take care and show caution every time you are on the road.

You should think about your life, your bike, and the lives of others. . Motorcycle insurance is a great way to protect you against loss if you are in an accident. Get that helmet on with confidence knowing we’ve got you covered.

Benefits

• Protection against legal liability.
• Personal injury to the rider in the event of an accident.

Motor Private Insurance

We’ve got three packages

A). Third Party Only

This is the minimum cover that can be offered and coverage includes:

• Death and/or bodily injury to any persons other than employees of client and members of his own family
• Damage to Third Party property arising out of or caused by the use of client’s motor vehicle

B). Third Party, Fire and Theft

Includes A above. In addition, there is coverage for damage to client’s motor vehicle arising out of or caused by fire, external explosion, self-ignition, lightning, burglary or theft.

C). Comprehensive

Coverage includes A and B. Also covers loss or damage to the motor vehicle caused by or arising out of accidental collision or, overturning, or collision or overturning consequent upon mechanical breakdown, wear or tear.

Benefits

• Protection against legal liability to third parties.
• Available in three packages – third party only, third party fire and theft and the comprehensive policy.

TYPES OF MOTOR INSURANCE

1. Boda Boda & Tuk Tuk (PSV)

TukTuks and Bodabodas are a great, effective way to get around, but we all know they can be risky.

We provide cover against accidental loss or damage to these vehicles, covering both drivers and passengers, including the standard accessories and spare parts.

Benefits

• Spare parts and standard accessories spare parts
• Protection against legal liability to 3rd parties
• Covers all Motorcycles and Tuk Tuks used for public transportation

2. Petroleum Tankers

This cover is great for you if you’re in the Petroleum business.

It provides comprehensive commercial vehicle insurance to individual, businesses and transporters against accidental loss or damage for your tanker specifically used for the carriage of petroleum products including legal liability to third parties. You can cover a fleet or an individual tanker.

 Benefits

• Accidental damage to the vehicle including malicious damage, riot, and strike
• Theft & Fire damage
• Legal Liability to 3rd parties

3. Motor Cycle Private

As a motorcycle rider, you should take care and show caution every time you are on the road.

You should think about your life, your bike, and the lives of others. . Motorcycle insurance is a great way to protect you against loss if you are in an accident. Get that helmet on with confidence knowing we’ve got you covered.

Benefits

• Protection against legal liability.
• Personal injury to the rider in the event of an accident.

4. General Cartage

If you’re in the business of transporting, look no further than KCB’s General cartage insurance.

This category is for commercial vehicles used by the insured for hire/reward business such as lorries, trucks, pickups, trailers and motor trade.

We provide comprehensive commercial vehicle insurance to compensate individuals, businesses and logistic companies/transporters against accidental loss or damage to their motor vehicles and their accessories including legal liability to third parties.

Benefits

• Protection against accidental damage to the vehicle including malicious damage, riot and strike
• Protection against Theft & Fire damage

5. Self Drive (PSV)

The insurance covers Motor vehicles used to carry passengers for hire and reward, specifically used for self-drive.

Benefits

• Accidental damage to the vehicle including malicious damage, riot and strike
• Theft & Fire damage
• Damage to property belonging to third parties (other persons)
• Injury to third-party persons such as pedestrians and passengers in other vehicles. Third party persons exclude any member of the client’s immediate family.
• Individual owners who hire out their vehicles
• Transport companies involved in hiring out private vehicles.

6. Chauffer Driven (PSV)

Chauffeur driven provides protection against damage of property. damage to property of third parties arising from the use of motor vehicles owned and/ or operated by the insured.

Benefits – It is Protection against

• Accidental damage to the vehicle including malicious damage, riot, and strike
• Theft & Fire damage
• Damage to property belonging to third parties (other persons)
• Injury to third-party persons such as pedestrians and passengers in other vehicles. Third party persons exclude any member of the client’s immediate family.
• Individual owners who hire out their vehicles with chauffeur
• Transport companies involved in hiring out private vehicles.

7. Institutional Vehicles (PSV)

It’s always good to have motor vehicle insurance that caters specifically for institutions like schools, hospitals, universities, etc.

The policy will allow you to compensate individuals, businesses and companies against accidental loss or damage to their motor vehicles used in connection with their own business, or when hired out.

 Benefits

• Accidental damage to the vehicle including malicious damage, riot and strike
• Theft & Fire damage
• Damage to property belonging to third parties (other persons)
• Injury to third-party persons such as pedestrians and passengers in other vehicles. Third party persons exclude a third party the client’s immediate family.
• Institutions who use their vehicles for their own use
• Use for occasional hire & reward to third parties

8. Matatu/Bus (PSV)

This policy provides comprehensive passenger service vehicle insurance to Matatus and Buses.

It compensates individuals, businesses and Matatu Saccos/companies/transporters against accidental loss or damage to their motor vehicles and their accessories including legal liability to third parties.

Benefits

Provide Comprehensive Cover to passenger service vehicles for ferrying passengers.

• Accidental damage to the vehicle including malicious damage, riot, and strike
• Theft & Fire damage
• Damage to property belonging to third parties (other persons)
• Injury to third-party persons such as pedestrians and passengers in other vehicles. Third party persons exclude any member of the client’s immediate family.
• Transport companies involved in hiring out transport vehicles.
• Individual matatu operators providing own transport of passengers for hire and reward.
• Matatu Sacco’s providing passenger transport for hire and reward.

9. Taxi (PSV)

If you are a new taxi driver looking for cover, or a seasoned pro looking for the best policy, we got you covered.

Our policy provides comprehensive passenger service vehicle insurance to compensate individuals, businesses, companies against accidental loss or damage to their motor vehicle while carrying fare paying passengers for a chauffeur-driven ride.

Benefits

• Accidental damage to the vehicle including malicious damage, riot and strike
• Theft & Fire damage
• Damage to property belonging to third parties (other persons)
• Injury to third-party persons such as pedestrians and passengers in other vehicles. Third party persons exclude any member of the client’s immediate family.
• Individuals or institutions that use their vehicles for carrying of fare-paying single passenger or small group of passengers for a non-shared ride.
• Legal liability to 3rd parties

YOU MAY ALSO BE INTERESTED IN

• Motor Asset (PSV)

This policy provides comprehensive passenger service vehicle insurance to compensate individuals, businesses and Matatu SACCOs/companies/transporters.

• Special Vehicles

Our Specialist Vehicle Insurance covers a wide range of vehicles – so you can enjoy the open road with peace of mind.

• Trade internal risks

This is designed specifically for motor traders who require more coverage than a standard road risks policy.

• Contingent legal liability

This product typically protects the owner of the vehicle in third-party liability claims.

• Agricultural Vehicles

This one is for all the serious farmers.

Are you travelling abroad for business, holiday or studies? Are you travelling into the country for business or leisure? Or could you be travelling locally by road, rail or by air? Protect yourself against travel related risks such as illness, loss of luggage and travel documents, flight delays or cancellations etc.

We have very affordable travel insurance that will cover you, your family or group for;

• Medical & related expenses due to illness or injury during your travel period
• Personal Accident Insurance which would pay a capital sum in the event of death or permanent total disability following an accident during your travel period
• Personal Liability if you become legally liable for accidental death, bodily injury or illness of any person or loss or damage to property
• Cancellation Insurance which takes care of non-refundable payments if you cancel your journey due to illness, injury or death
• Curtailment Insurance which takes care of non-refundable and additional payments incurred to return home due to illness, injury or death
• Loss of luggage including cash and Documents

Note: The above are only covered during the travel period of which the travel insurance is obtained.

Don’t get stuck out there! Get a cover and be safe!

For a quote kindly fill in the request form to provide your details. Cover is processed as quickly as possible and documents sent to you on email to allow you time to apply for Visa or make travel arrangements.

Home insurance is a Domestic Package that covers against loss or damage to the house, contents therein and personal effects as a result of fire, theft, accidental occurrences and also personal liability.

What is covered?

All risk: buildings, household contents and personal effects against the following:

• Fire, lightning, explosion.
• Earthquake
• Storm , flood, bursting or overflowing of water tanks or pipes
• Riot and Strike.
• Theft accompanied by actual forcible & violent breaking into or out of the building
• Theft by employees
• Theft resulting from hijack & hold-up
• Damage to electronics resulting from Power surge
• Damage resulting from transit risks during relocation
• Deterioration of Foodstuff in the fridge
• Guests and domestic employees effects
• Medical expenses for accidental injury to guests by insured domestic animals
• Liability:
• Personal and legal liability to the general public
• Legal expenses arising out of suits by domestic employees
• Work related medical expenses for employees