Motor Insurance

Ready to protect your Vehicle?

We offer comprehensive cover for accidental damage, fire, theft, and third-party liability. From basic third party to fully comprehensive protection — choose the cover that fits your needs and budget.

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IRA Regulated 48hr Claims 24/7 Support Since 2018
What's Covered

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.

The following risks are covered under this policy:

Risks Covered ✓
  • ✔ Accidental damage
  • ✔ Riot and strikes
  • ✔ Flood, typhoon & hurricane
  • ✔ Earthquake & volcanic eruption
  • ✔ Fire
  • ✔ Theft
  • ✔ Windscreen damage
  • ✔ Radio cassette (limit applies)
  • ✔ Emergency medical – passengers
  • ✔ Towing & recovery charges
  • ✔ Third party property damage
  • ✔ Third party bodily injury / death
  • ✔ Passenger liability
  • ✔ Loss of use
  • ✔ Road rescue
  • ✔ Excess protector
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Quick Summary

Motor insurance protects you against financial loss if your vehicle is involved in an accident, burnt, or stolen. We offer three tiers of cover to suit every need and budget.

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

3 Classes of Motor Cover

Select the level of protection that best suits your 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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Most Popular

Comprehensive

The widest cover available. Covers third-party liability and property damage to your vehicle including damage from fire, theft, and accidental damage. Ideal for all private vehicle owners seeking maximum protection.

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How It Works

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.

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FAQs

Frequently Asked Questions

What is the difference between Comprehensive and Third-Party cover?
Comprehensive covers your vehicle against accidental damage, theft, and fire, plus third-party liabilities. Third-Party only covers damages and injuries you cause to others.
Are my windscreen and radio covered?
Yes, comprehensive policies usually include specific limits for windscreen and audio equipment damage without affecting your no-claims discount.
What should I do immediately after an accident?
Report to the police immediately to get an abstract, take photos of the scene, do not admit liability, and notify Cemes Insurance within 24 hours.
Does this policy cover towing services?
Yes, standard comprehensive policies include a free towing limit to the nearest authorized garage.
Is my car covered if I drive outside the country?
Coverage is typically restricted to national borders, but you can request a geographical extension (Comesa Yellow Card) for neighboring countries.