A member of

Insurance CompanyHeritage

Motor CommercialOwn goods

ADVICE INSURE INVEST HEALTHRegulated by the Insurance Regulatory Authority

www.heritageinsurance.co.keHeritage Insurance KenyaHeritage_Ke

Heritage Insurance Co.LTDHead o�ce and branches

HERITAGE INSURANCE- HEAD OFFICE NAIROBILiberty HouseProcessional WayP.O Box 30390-00100 Nairobi KenyaTel: 020-2783000/0711039000/0734101000 Fax: 2727800

MombasaNSSF Building, Nkrumah RoadP. O. Box 84886 - 80100Mombasa, KenyaTel: Fax2224725/:020-2783000/ 0711039622/0711039627

NaivashaHeritage House, Moi Road P. O. Box 1319 -20117 NaivashaTel: /0711039681/0711039682Fax: 050-2020467/020-2783000

EldoretImperial Court, Eldoret TownWaiganjo Street/Uganda RoadP. O. Box 6120 - 30100 EldoretTel: 0711039751Fax 2031788/020-2783000

NanyukiSilver Plaza Nyeri/Nanyuki Road P. Box 1615 – 10400, Nanyuki KenyaFax: 062-31914 /:020-2783000/ Tel: 0711039600/0711039602

NakuruPolo Centre, Tom Mboya StreetO� Kenyatta Avenue,P.O. Box 4362 - 20100,Nakuru, KenyaFax: 0512213774 Tel: 0711039730/0711039731/ 020-2783000

MeruNakumatt - Mwitu Center Bld Meru/Nanyuki Road, Meru KenyaP O Box 1911 – 60200Tel: 0711039702/0711039703Fax: 064 - 3130709/

EmbuGanga Hse,3rd FloorMeru/Nanyuki RdP.O.Box 2607-60100Embu.Tel: 0711039791/278300092

KisumuTu�oam Mall.1st Floor, Jomo Kenyatta Highway,P.O Box 1062-40100.KisumuTel: /0711039800/01/:020-2783000

TanzaniaHead O�ce:The Heritage Insurance Co.T LTDOyster Bay O�ce ComplexPlot No.368, Msasani RoadTel:007222664204-09E-mail:info@heritagetanzania.comDar es Salaam

EmbuGanga Hse,3rd FloorEmbu/Meru RdP.O.Box 2607-60100Embu KenyaTel: 0711039791/0711039792/020-2783000

ThikaZuri Centre, 4th Floor- Kenyatta Highway, ThikaP.O. Box 7048 - 01000, ThikaTel:020-27830000/ 0711039720/0711039722

KisiiRoyal Towers, 2nd FloorHospital Road, KisiiP.O. Box 3066 - 40200 Kisii, Kenya.Tel: 0711039780/81/ 020-2783000/

Town O�ceLornho House Mezzanine 2 Standard StreetP. O Box 30390-00100 NairobiTel: 0711039665/664/661/667/ 2783000

Arusha BranchThe Heritage Insurance Co. T LtdSt Floor Sykes BuildingGoliondoi StreetTel: 255754570000Fax :255 272509759Arusha

This insurance o�ers protection to insured’s vehicle due to accidental collision, �re and theft as well as against third party’s death, bodily injury and/or property damage.Commercial vehicles insured under this category of insurance are vehicles used in the transportation of goods belonging to insured.Note: This does not include carriage of goods for hire and reward

Scope of cover

Three types of covers can be purchased:

a) Third Party Only (TPO):

This is the basic and minimum cover available. It provides for liability to third parties only in respect of bodily injury and damage to third party property. It is the mandatory cover that a motorist should have in place.

b) Third Party Fire and Theft (TP&T):

In addition to the TPO cover above, this cover extends to cover the insured’s vehicle against the risks of �re and theft, including partial theft from the vehicle.

c) Comprehensive:

This is a superior cover to all the others as an addition to TPF&T mentioned immediately above, it extends to cover any other accidental damage to the vehicles including collision, overturning, e�ects of �oods, earthquake and perils provided for in the policy document.

What is covered: under comprehensive policy

• Windscreen damage as per policy limit

• Radio cassette or entertainment unit as per policy limit

• Loss or damage to the vehicle or its accessories and spare parts while in or on the vehicle

• Towing charges as per policy limit

• Medical expenses

• Financier’s interest (where applicable)

• Theft of the insured vehicle

• Fire damage to the insured vehicle

• Riot and Strike

• Special perils-�ooding, typhoon, earthquake etc

• Emergency medical expenses insured and/or authorised driver and/or any other person following an accident involving insured vehicle as per policy limit

• Loss arising out of use by motor trader or vehicle seller

• Liability to third parties

De�nitions:

Accident: A sudden, unplanned and unforeseen mishap not under your control or that of the authorised driver

Claim: Formal demand by insured for indemnity or bene�t under the policy

Excess: The �rst amount of each claim borne by insured

Extension under policy at additional premiums• Excess protector• Political violence and Terrorism

Notable General Exclusions1. Any accident, loss, damage or liability caused,

sustained or incurred outside the territorial limits or use of the vehicle is contrary to limitations as to use clause

2. Any accident, injury, loss, damage or liability if the vehicle is carrying more than its authorised capacity.

3. Any liability which attaches by virtue of an agreement by which would not have attached in the absence of such agreement

4. Any injury, loss, damage or legal liabilities (except so far as is necessary to meet the requirements of the legislation) directly or indirectly caused by any of the following occurrences:

(i) War, invasion, act of foreign enemy, hostilities or warlike operations.

(ii) The act of any lawfully established authority in controlling, preventing, suppressing or in any other way dealing with any occurrence referred to in clause (i)

5. Any accident, loss or damage to any property or any loss or expense whatsoever resulting or arising there from or any consequential loss

6. Any loss occurring while insured or authorised driver is certi�ed by a competent authority to have been under the in�uence or drink or drug to such extent as to have rendered them incapable of having proper control of the vehicle at the time of an occurrence giving rise to a claim.

7. (a) consequential loss

8. (b) Depreciation, wear and tear, mechanical, electrical or electronic breakdown, failures or breakages.

9. (c) Damage to tyres unless damage is caused to other parts of the vehicle at the same time.

10. (d) loss of or damage to the contents being carried in or on the vehicle;

11. (e) Damage caused by overloading or strain.

12. (f) The excess stated in the schedule.

FAQ

1. Does the vehicle require to be valued every year?

Annual valuation of the vehicle is critical as it bene�ts insured and insurer in determining true condition of the vehicle and its current market value as well as it saves insured. Ultimately, having the vehicle valued builds trust and con�dence as the vehicle is con�rmed to be road worthy and insured pays premium on a known value thereby saving them money.

2. What will happen when my insurance is due for renewal?

We shall send you a renewal notice or terms within 30 days before the vehicle is due to be renewed.

3. How is renewal premium worked out? Insurance premium is based on information

known as ‘risk factors’ which may include claims history or claims made in the past while the vehicle has been insured, cost of doing business.

*Policy Terms and conditions apply