Truck Care

Core Protection

• Accidental Damage: Covers physical loss or damage to the insured truck.
• Third-Party Liability: Protects against legal liabilities for third-party bodily injury, death, or property damage.
  Business Continuity Add-Ons (Optional Premium) –
• Loan Repayment Cover: Supports loan installments if your truck is grounded for extended repairs (30+ or ​​60+ days).
• Loss of Income & Alternative Hire: Compensates for lost earnings during downtime and reimburses replacement transport costs up to Kshs 200,000.

Cargo & Financial Loss Safeguards 

• Goods in Transit & Carrier's Liability: Protects owned goods or third-party cargo held in trust/commission against transit accident damage.
• Fidelity Guarantee: Shields business owners against direct financial loss resulting from employee dishonesty.
  Driver & Crew Welfare –
• Work Injury Benefits Act (WIBA 2007): Statutory liability coverage for driver/loader injuries or death (eg, 10% of annual salary).
• Employers Liability: Protects against negligence claims for driver/loader injuries or death (subject to Kshs 25,000 excess).
• Personal Accident & Emergency Medical: Provides occupational personal accident cover (death/permanent disability) and emergency medical expense reimbursement for drivers and loaders.

Advanced Protections & Operational Perks 

• Excess Protectors: Free Own Damage Excess Protector for non-injury accidents where repair costs exceed 5% of vehicle value (minimum Kshs 30,000).
• Tracking Device Discounts: Nil excess on non-injury theft and non-fault accident claims when equipped with an active tracking device.
• Political Violence & Civil Commotion: Protection against vehicle damage caused by terrorism, political violence, strikes, riots, and civil commotion.
• Free Towing & COMESA Support: Provides free accident towing (with option to buy higher limits at a 5% fee) and COMESA repair facilitation to assist in returning damaged trucks to Kenya.