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General Insurance

Protect your personal belongings.

Your car and household possessions play an important role in your daily life. If you need to replace any of your belongings because of loss, theft or damage, the right insurance can give you peace of mind that you can do so timely and properly. As a result, you can minimise your financial burden when things go wrong.

Motor

Cover any loss or damage by accidental means, such as theft, fire or malicious damage to your vehicle, and third-party liabilities like death, injuries and property damage.

Benefits

  • Authorised repair limit – KSh 30 000/-
  • Medical limit – KSh 30 000/-
  • Towing charges – KSh 30 000/-
  • Windscreen limit – KSh 30 000/-
  • Vehicle entertainment system – KSh 30 000/-
  • Accommodation away from home. Up to KSh 5 000/= and above charge 10% maximum limit KSh 10 000/=
  • Loss of spare wheel and accessories. Up to KSh 7 500/= free. Above KSh7 500/= charge 10% of extra limit maximum limit – KSh 50 000/=

Optional Benefits

  • 24-hour road rescue by Automobile Association of Kenya @ KSh3000/- per annum
  • Infama Road Rescue Membership @ KSh6 960/- per annum
  • Excess protector @ 0.25% minimum KSh3 000/= on accidental own damage
  • Political violence and terrorism @ 0.25% minimum KSh2 000/=
  • ATM robbery following vehicle hijacking – reimbursement. Up to KSh30 000/=. Additional premium charged at 10% of the amount of limit exceeding KSh10 000/= free cover limit
  • Loss of use with a time excess of days
  • Loss of personal effects charge 10% of the limit. Maximum limit KSh50 000/= excluding mobile and cash
  • Loss of side mirrors or head lights and rear lights. Loss of side mirrors charge 15% limit KSh25 000/= excess KSh5 000 of claim on replacement

Limits of Liability

  • Third-party persons – Unlimited
  • Third-party property damage – Limit of KSh20 000 000
  • Passenger liability – KSh3 million per person and KSh20 million per event
  • Geographical limit – East Africa (excluding third-party liabilities outside Kenya)

Special Conditions/Clauses

  • Riot, strike and civil commotion
  • Use by a motor trade
  • Thirty days’ cancellation notice
  • Unobtainable parts clause
  • No blame no excess (subject to the police abstract blaming a named third party)
  • Agreed value subject to valuation at inception and renewal
  • Fatal Personal Accident for up to KSh250 000/- for authorised drivers
  • Legal liability of passengers for acts of negligence
  • Motor contingent liability
  • Motor theft cover subject to anti-theft device

Excesses

Own damage – 2.5% of the sum insured; minimum of KSh20 000/- and maximum of KSh100 000/-

Theft

  • (With anti-theft device) – 10% of value minimum KSh 20 000/-
  • (Without anti-theft device) – 20% of value minimum KSh 20 000/-
  • (With tracking device or fleet management system) – 2.5% of value minimum KSh 20 000/-
  • Third-party property damage – KSh 7 500/-
  • Young/Inexperienced driver – Additional KSh 5 000/- (under 21yrs/under 1yrs)

Home

Cover any accidental loss or damage to the insured property due to:

  • Fire, lightning, thunderbolt, earthquake, volcanic eruption or subterranean fire, storm, tempest or flood
  • Explosion of domestic appliances
  • Riot and strike and malicious damage
  • Aircraft and other aerial devices or articles dropped therefrom
  • Bursting or overflowing of water tanks apparatus or pipes

Our domestic package also includes:

  • Cover for domestic employees
  • Personal liability either as an owner or an occupier of the premises
  • Loss or damage by theft to specified items (section B and C of policy document)
  • Accidental damage to specified items insured under (section C of policy document)

Building

This is a private dwelling, house or private flat, including outbuildings, landlord’s fixtures and fittings, walls, gates and fences.

Contents

The contents of the residence mentioned above including furniture, fixtures and fittings, household goods and personal effects belonging to the insured or any member of his family normally residing with the insured.

All Risk

This cover is appropriate for items that are used away from the domestic premises, for example, mobile phones, cameras, laptop computers, jewellery and other personal effects.

It covers the property of the insured whilst at any location and in any situation within the territorial scope specified in the schedule of the policy against any accident, fire, theft or other misfortune.

Work Injury Benefits

The cover enables the insured to comply with the Work Injury Benefit Act (WIBA) of 2007 which is mandatory.

Owners’ Liability

Cover for the insured as the owner of the premises for events occurring on the premises leading to liability at law.

Additional Free Benefits

  • Forced ATM withdrawal following robbery at home will be covered up to a limit of KSh20 000
  • Cover for damage of contents in the freezer as a result of perils mentioned in Section B
  • Cover for emergency rescue including cost of fire-fighting equipment at a limit of KSh50 000

Sanlam Life Insurance is a licensed financial service provider.
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