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Can anyone with a vehicle buy insurance?

If it is your vehicle, you must be above the age of 22 years, have a driver’s license for more than two years and a vehicle registration book.

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What documentation do I require to insure my vehicle?

You will require the white book, an ID and current inspection pictures of the vehicle.

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What documents are required when making a motor vehicle claim?

Claims are handled on a case by case basis and documentation may vary however, some of the basic requirements are:

  1. Completion of the claim form
  2. Police Report
  3. Copy of White book for the Insured
  4. Copy of Insurance for the Insured
  5. Driver’s license for the Insured
  6. 3 quotations from any reputable repairers
  7. Availing vehicle for Inspection
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What is covered under bodily injury liability coverage in motor insurance?

This cover age does not protect you or your car directly. If you cause an accident injuring other people, it protects you against their claims up to the stated amounts for medical expenses, lost wages, pain and suffer ing and other losses. It will also usually pay if the accident was caused by a member of your family living with you or a per son using your own auto with your consent. It does not pay for bodily injury you may sustain.

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What is covered under property damage liability coverage in motor insurance?

Property damage liability cover age pays for any damage to the proper ty of other s up to the stated amount provided by the policy (i.e., a crushed fender , broken glass, or a damaged wall or fence). Your insurance will pay for this damage if you were driving your auto or if it was being driven by another per son with your consent. Proper ty damage liability also pays if you damage government proper ty like a light pole or signpost, up to the limit you choose

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What is excess and when does it apply?

This is the amount that is deducted from each and every claim and born by the insured. The excess will eliminate all claims equal to or less than the excess. The excess may be compulsory or voluntary in which instance the insured’s premium is discounted.

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What is Limit of Liability?

This is the maximum amount that can be paid in respect of a covered/insured event.

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What is the policy period?

Generally, insurance policies are issued for one year . However , in certain cases, policy can be issued for less than one year also at short period premium r ate. Policy can also be issued for more than one year such as Contractor s All Risks.

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Who is a Third Party?

This is an individual or organisation that that joins into a claim between the insurance company and its client following a claim or accident