Motor Insurance

Commercial Motor
Insurance

Protect your commercial vehicles and fleet against loss, damage, and third-party liability. General cartage cover for hire and reward — from trucks to trailers.

IRA Regulated 48hr Claims Resolution 24/7 Support Since 2018

Policy Overview

This policy covers loss or damage to the vehicle and its accessories including legal liability to third parties and passengers in respect of death or bodily injury arising from the use of the motor vehicle for Hire and Reward.

The following risks are covered under this policy:

  • Accidental damage
  • Riot and strikes
  • Special perils (flood, typhoon, hurricane)
  • Earthquake & volcanic eruption
  • Fire
  • Theft
  • Windscreen
  • Radio cassette (limit applies)
  • Emergency medical expenses
  • Third party property damage
  • Passenger liability (cabin passengers)
  • Towing & recovery charges
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Quick Summary

Commercial motor insurance protects your fleet against financial loss if vehicles are involved in accidents, burnt, or stolen. We offer three tiers of cover for hire and reward operations.


Documents Required
  • Duly Completed Proposal Form
  • Copy of National ID
  • Copy of PIN Certificate
  • Copy of Log Book
  • Premium Payment

3 Classes of Motor Cover

Select the level of protection that best suits your commercial vehicle and budget.

Third Party

Covers third-party bodily injury and property damage arising from a vehicle accident. Provides unlimited liability for third-party personal injuries or death. This is the minimum cover required by the Motor Insurance Act. No cover is provided for damage to the policyholder's own vehicle.

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Third Party Fire & Theft

Extends cover to include theft and fire damage, plus third-party bodily injury and property damage. Excludes damage from accidents. Best suited for vehicles not frequently exposed on the roads.

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Claims Process

We resolve claims within 48 hours on average. Here's what to expect.

1
Report the Incident

Call our 24/7 helpline or email us immediately after an incident occurs.

2
Submit Documents

Provide your claim form, police report (if applicable), photos, and policy details.

3
Assessment

Our assessors evaluate the damage and verify coverage within 24 hours.

4
Approval & Settlement

Your claim is approved and payment or repairs are arranged promptly.

Frequently Asked Questions

Does this cover goods transported in my commercial vehicle?
No, the commercial motor policy covers the vehicle itself. You need a separate Goods in Transit policy for the cargo.
Are my passengers covered if I operate a PSV?
Yes, if declared. Passenger Liability cover is mandatory for Public Service Vehicles.
What happens if my vehicle breaks down and my business loses money?
Standard motor policies do not cover business downtime, but you can purchase a Loss of Use extension.
Can anyone drive my commercial vehicle?
Coverage applies as long as the driver is authorized by the company and holds a valid license for that specific vehicle class.
Do you offer fleet discounts?
Yes, we offer discounted premium rates for businesses insuring multiple commercial vehicles under one master policy.