Private Motor Vehicle Insurance

This policy covers physical loss, theft or damage to insured private motor vehicles. The policy is offered in partnership with Minet and is underwritten by ZSIC General, NICO, Hollard and Professional Insurance.

Personal effects – K10,000.00 or USD 1,000.00 per event
Nil excess on windscreen/auto glass
Emergency repairs – K15,000.00 or USD1,000.00 subject to prior inspection by the insurers
Foreign Use (Own damage only) – Free cover for all COMESA and SADC countries for the first 30 days
Towing charges – K 1,000 within town and K3,000 out of town arrangements. All amounts above these limits to be approved by the insurers
Medical expenses for injuries to the driver – K5,000.00 or USD500.00 per event
Third Party Hire of alternative vehicle K1,000.00 or USD 100 per day max 21 days – Subject to submission of claim documents with 5 days excess
Hire of alternative vehicle for the insured – K1,000.00 or USD 100 per day max 21 days – Subject to submission of claim documents with 5 days excess
10% Minimum K500.00 each and every claim
Double excess for under aged and inexperienced drivers who are below 21 years and have less than 2 years of driving experience

Mechanical, electronic or electrical breakdown, failure or breakage
Damage to the tyres by application of brakes; or by road punctures, cuts or bursts; or as a result of inequalities of the road or other surface or to impact with such inequalities unless damage to tyres is accompanied by damage to other parts of the vehicle as a result of an accident
Damage to springs/shock absorbers due to inequalities of the road or other surface or to impact with such inequalities
Unlicensed drivers
Consequential loss
Willful acts
Wear and tear

Photos of the vehicle(s) to be insured
Vehicle registration number
Correct replacement value
Schedule of the vehicle(s) to be covered with the above information if two or more vehicles are to be covered