Understanding Private Motor Insurance
Understanding Private Motor Insurance Private Motor Insurance is a type of motor cover designed for vehicles used strictly for personal and domestic purposes . This includes commuting to work, family errands, and social use—but excludes commercial activities such as carrying passengers for hire, deliveries, or business transport. What Does Private Motor Insurance Cover? Private motor insurance generally comes in three main options: 1. Third Party Only This is the minimum legal requirement in Kenya. It covers: Injury or death of third parties Damage to third-party property It does not cover damage to your own vehicle. 2. Third Party, Fire & Theft In addition to third-party cover, this option protects against: Fire damage Theft of the vehicle Accidental damage to your own vehicle is still excluded. 3. Comprehensive Cover This is the most extensive option and includes: Accidental damage to your vehicle Theft and fire Third-party liability Optional benefits such as windscreen cover, ...