MOTOR COMMERCIAL COVER

Motor Commercial Insurance is also known as Own Damage Insurance covers damages to your motor vehicle following an accident, fire, flood or malicious damage. It also covers the theft of the vehicle and the third party liability arising out of the use of the vehicle. The geographical coverage is Kenya but can be extended to cover East Africa.

APA has a wide network of garages and other service providers where clients can take their vehicles for repairs and enjoy cashless service.

Our main products include:

MOTOR COMMERCIAL OWN GOODS:

This is a comprehensive cover that protects the vehicles used by your business for commercial purposes. This includes, but is not limited to minibusses, trucks, tractors, and fleets of vehicles. Our policy has three levels of cover from which you can choose from. Third-Party Only, Third-Party Fire & Theft and Comprehensive.

GENERAL CARTAGE:

This insurance offers protection to the insured against third party’s death, bodily injury and/or property damage as well as loss/ damage to your vehicle due to accidental fire, theft or an accident. Vehicles under the general cartage category are vehicles used in the transportation of the goods of the insured and/or other parties.

GENERAL CARTAGE TANKERS:

It provides comprehensive commercial vehicle insurance to individuals and businesses 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.

MOTOR ADVANTAGE

This policy provides cover against accidental loss or damage to insured motor vehicles and/or death, bodily injury or loss or damage to property of third parties arising out of use of motor vehicles owned and/or operated by the insured for hire and reward and the carriage of goods in connection with the insured’s business..

MOTOR COMMERCIAL SPECIAL TYPES (Agricultural & Forestry):

This is an insurance cover that protects the vehicles used for special purposes. This includes, but is not limited Agricultural and Forestry Vehicles (Tractors, Harvesters Etc). Our policy has three levels of cover from which you can choose from. Third-Party only, Third-Party Fire & Theft, and Comprehensive.

MOTOR PSV PRIVATE HIRE (Chauffeur Driven):

The cover is given for vehicles used for private hire which are chauffeur driven.

MOTOR PSV TAXIS (Chauffeur Driven):

This covers passenger service vehicle and offers protection against accidental damage, fire, theft, third party liability and passenger liability. The vehicle must be fully compliant with the PSV rules.

MOTOR CONTINGENT LIABILITY:

A Contingent Liability policy helps to provide indemnity against the liability which may be incurred by the employer or firm from the negligent driving of the employee or the owner of the vehicle. This policy applies in instances where an insured is liable for a vehicle being used on their behalf or even a vehicle which they may not own or have any direct control over (such as an employee using their vehicle on company business) or if they have to hire a vehicle with a driver.

MOTOR COMMERCIAL INSTITUTIONAL VEHICLES:

Covers accidental loss or damage to insured motor vehicles and/or death, bodily injury or loss or damage to property of third parties arising out of use of motor vehicles owned and/or operated by the insured. Covers institutions that use their vehicles for their business purposes.

MOTOR COMMERCIAL DRIVING SCHOOL VEHICLES:

This is a comprehensive cover that protects the vehicles used by your driving school business for commercial purposes. This includes, but is not limited to minibusses, trucks, tractors and fleets of vehicles. Our policy has three levels of cover from which you can choose from. Third-Party Only, Third-Party Fire & Theft, and Comprehensive