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Terms and condition
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Motor Insurance
What is Motor Insurance
Motor insurance is a type of coverage designed to protect vehicle owners against financial losses resulting from accidents, theft, or damage to their vehicles. Definite offers motor vehicle insurance for personal, commercial and PSVs.
What does our motor vehicle insurance cover
- Third-party liability, which covers damages or injuries caused to others.
- Comprehensive coverage, which protects against a wide range of risks including fire, theft, and natural disasters.
- Personal accident covers for the driver and passengers.
What are the various Motor Insurance Covers Provided by Definite:
- Private motor vehicle : Insurance policy designed to provide financial protection for individuals who own and operate private vehicles for personal use
- Commercial PSV : Covers vehicles used for transporting goods, whether for the insured’s own business purposes or for hire and reward. Definite offers policies that are payment flexible.
- Motor PSV : Chauffer Driven: Motor insurance cover that covers vehicles used for private hire and are chauffeur driven.
- Motor PSV (Matatus and Buses) : Motor insurance that cover includes vehicles used in public transport with a seating capacity of 8-36 (Matatu) and 37 – 105 (Buses)
- Motor Commercial : This insurance product is designed specifically for businesses to provide coverage for vehicles used commercially. It also extends to fleets for businesses with two or more vehicles. The policy offers three levels of protection: Third-Party Only, Third-Party Fire and Theft, and Comprehensive Cover, allowing businesses to choose the level of coverage that best suits their needs.
What are the special features of our cover
- Flexible Coverage Options : Choose from a variety of coverage levels.
- Efficient Claims Process : Quick and hassle-free claims handling.
- Risk Management Services : Proactive support to minimize liabilities
By securing motor private insurance, vehicle owners can ensure that they are financially protected against unforeseen events, providing peace of mind and security on the road.
What are the benefits of having motorcycle insurance:
- Financial Protection Against Accidents : Covers the cost of repairs or replacement if your vehicle is damaged in an accident, reducing the financial burden on you.
- Liability Coverage : Protects you financially if you’re responsible for an accident that causes damage to another person’s property or injuries to others, potentially saving you from expensive lawsuits.
- Comprehensive Coverage : Offers protection against non-collision events like theft, vandalism, natural disasters, fire, or falling objects, safeguarding your investment.
- Medical Expense Coverage : Provides financial support for medical expenses if you or your passengers are injured in an accident, depending on the policy.
- Uninsured/Underinsured Motorist Protection : Covers your expenses if you’re involved in an accident with a driver who has insufficient or no insurance.
- No-Fault Coverage (in some regions) : Helps cover medical expenses and lost wages regardless of who caused the accident, ensuring timely support.
- Legal Compliance : In most jurisdictions, motor vehicle insurance is mandatory, and having it ensures you’re abiding by the law and avoiding fines or legal penalties.
- Roadside Assistance : Many policies include add-ons like towing, emergency fuel delivery, or help with flat tires, offering convenience and peace of mind.
- Peace of Mind : Knowing you’re protected against financial losses or unexpected incidents allows you to drive with confidence and less stress.
By ensuring financial security, compliance with legal requirements, and access to additional services, motor vehicle insurance is a vital tool for protecting yourself, your passengers, and your vehicle from potential risks.
Additional Resources
File or Track a Claim
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