Distributors, traders and business chains rely heavily on efficient supply chains to maintain their operations and meet customer demands. Often, businesses invest in their own transport vehicles to ensure the smooth flow of products and fulfilment of client expectations.


We offer a specialised insurance policy tailored for vehicles used for private use and the carriage of goods solely for the insured’s business needs.

Scope of Coverage

This policy applies to commercial vehicles used exclusively for the insured’s business purposes, including:






Motor Trade Vehicles

Cover Benefits

Vehicle Damages

Protection against damages resulting from accidents


Coverage in case of vehicle theft

Fire Damage

Protection against damages caused by accidental fires

Third-Party Property Damage

Covers damages to property belonging to third parties

Third-Party Bodily Injury

Provides coverage for bodily harm to third parties

Damage to Car Accessories

Coverage for damages to accessories declared at the time of purchasing the policy

Legal Fees

Coverage for legal expenses incurred with permission from the insurer due to issues related to the insured vehicle


Item Covered

Comprehensive Plan

Third Party Only


Applicable Chargeable

Car Entertainment System - Radio Cassette

Applicable Chargeable


Applicable to Limit

Medical Expenses

Applicable to limit,

Riot, Strike and Civil Commotion (RSCC)


Towing/ Recovery Expenses

Applicable to Limit

Authorized Repairs

Applicable to Limit

Extended Geographical Area
Outside Kenya

Charge as per East Africa Community Guidelines

Charge as per East Africa Community Guidelines

Download Center

Proposal Forms

Download our proposal forms here

Claim Forms

Download our claim forms here