Motor Commercial Own Goods

Distributors, traders and business chains rely heavily on efficient supply chains to maintain their operations and meet customer demands. Often, businesses invest in their own transport vehicles to ensure the smooth flow of products and fulfilment of client expectations.

We offer a specialised insurance policy tailored for vehicles used for private use and the carriage of goods solely for the insured’s business needs.

Scope of Coverage

This policy applies to commercial vehicles used exclusively for the insured’s business purposes, including:

Tractors

Lorries

Trucks

Pickups

Trailers

Motor Trade Vehicles

Cover Benefits

Vehicle Damages

Protection against damages resulting from accidents

Theft

Coverage in case of vehicle theft

Fire Damage

Protection against damages caused by accidental fires

Third-Party Property Damage

Covers damages to property belonging to third parties

Third-Party Bodily Injury

Provides coverage for bodily harm to third parties

Damage to Car Accessories

Coverage for damages to accessories declared at the time of purchasing the policy

Legal Fees

Coverage for legal expenses incurred with permission from the insurer due to issues related to the insured vehicle

Benefits

Item Covered	Comprehensive Plan	Third Party Only
Windscreen	✅ Applicable Chargeable	❌
Car Entertainment System - Radio Cassette	✅ Applicable Chargeable	❌
TPPD	✅ Applicable Chargeable	✅ Applicable Chargeable
Medical Expenses	✅ Applicable Chargeable	❌
Medical Expenses	✅ Chargeable	❌
Towing/ Recovery Expenses	✅ Applicable to Limit	❌
Authorized Repairs	✅ Applicable to Limit	❌
Extended Geographical Area Outside Kenya	✅ Charge as per East Africa Community Guidelines	✅ Charge as per East Africa Community Guidelines

Need Help Choosing the
Right Cover?

Our insurance experts are ready to guide you through your options and help you find the protection that fits your needs.