Motor Insurance

What is Motor Insurance?

This policy protects the insured’s motor vehicle against financial loss that may result from theft of the vehicle or its accessories, Fire, road accidents, and other natural perils e.g floods. The insured can choose the level of coverage ranging from, Third party & Third-party fire and theft and Comprehensive.

A. Coverage Types:

Third-Party Cover:

  • Legal liability for injury or death of third parties.
  • Coverage for damage to third-party property.
  • Meets the minimum legal requirements in Kenya.

Third-Party, Fire, and Theft Cover:

  • Includes third-party cover benefits.
  • Adds protection against fire damage or theft of the insured vehicle.

Comprehensive Cover:

  • Covers damage to your vehicle due to accidents, fire, or theft.
  • Protection for third-party liabilities.
  • Additional benefits include windscreen repair, medical expenses, and roadside assistance.
  • Protection, recovery & removal after accident (towing charges)
  • Windscreen
  • Liability to Third Parties – Death or Bodily Injury:
  • Liability to Third Parties – Property Damage
  • Medical Expenses
  • Political violence and terrorism (optional benefit)

Benefits:

  1. Peace of mind knowing you’re financially protected.
  2. Quick claims processing to reduce downtime.
  3. Access to a network of approved garages and service providers.
  4. Optional add-ons like personal accident cover, roadside assistance, and excess protector.
Geminia Motor Insurance

FAQ

Why should I insure my car?

  • Protects you against financial loss in the event of an accident.
  • Protects you against damage to third-party vehicles, property or bodily injury as a result of an accident
  • It is required by Law

What are the benefits of Geminia motor insurance?

  • Windscreen cover
  • Radio cassette cover
  • Vehicle valuation at no cost
  • Emergency medical expenses
  • Riots and strikes
  • Towing charges

What are the additional benefits I can purchase under motor insurance?

  • Own damage excess protector
  • Courtesy car
  • Road rescue membership
  • Political violence and terrorism cover
  • Life rider cover

What is the Maximum age for a vehicle to be Insured?

We insure vehicles up to 15 years from the year of manufacture. Any vehicle above 15 years will be required to undergo mechanical inspection before consideration for insurance.

What is the minimum requirement for motor insurance in Kenya?

The minimum legal requirement is third-party motor insurance, which covers damages to third parties.

Does comprehensive cover include towing services?

Yes, our comprehensive coverage includes towing in case of breakdown or accidents.

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