While most insurance covers in Kenya offer two types of insurance packages, there are eight insurance cover riders that motorists can get for their cars.
According to the Traffic Act Chapter 405, all cars on Kenyan roads should have insurance coverage split into two types; third-party insurance and comprehensive insurance.
Third-party insurance covers compensate parties who have been injured by an accident while comprehensive insurance cover caters for things destroyed during an accident.
Comprehensive insurance covers, on the other hand, have riders that the policyholder can get.
Speaking to Kenyans.co.ke Janet Matheri, a financial advisor at Britam, noted that riders are add-ons that are beneficial to policyholders. These add-ons improve the policyholder's experience, especially, when an accident occurs.
They include political violence and terrorism cover deals with any damages to the car due to political violence or during a terror attack. This is important when political protests become violent and lead to damage to property.
Courtesy car cover provides a courtesy car given to the policyholder when the insured car is being repaired.
Loss of use cover covers the policyholder’s cost when he or she rents a car when the insured vehicle is being repaired.
Medical expenses cover covers the healthcare costs of the policyholder and any other passengers in the car who might be injured in an accident.
Car tracking and recovery services come in handy in case the insured car is stolen. The insurance cover ensures the car is easily traceable.
The windscreen cover covers the windscreen and all other windows in a car. Windows are usually targeted during violent political protests or when thieves break into a car.
Legal liability cover – It covers the legal costs that may ensue after an accident. This is critical when a third party is injured during an accident and lodges a case against the policyholder.
However, Matheri was quick to add that the driver is not covered by any of these insurance products.
Drivers are usually covered by personal accident insurance cover which compensates the motorist in case there are injuries arising from an accident.
