what kind of Repairs does insurance cover?

WHAT KIND OF REPAIRS DOES CAR INSURANCE COVER?

Dealing with  car insurances can be really stressfull . Please note that, when financing or leasing your car ,the vender may require you to be insured with your preferred coverage.Well,there are optional coverages which include COMPREHENSIVE ,COLLISION & THIRD PARTY INSURANCE .

Comprehensive covers has to be the most desirable in kenya   because it covers a  wide range of  risks you may encounter as a car owner:

Some of the benefits of a comprehensive include:

1.TOTAL LOSS

In the case;

• it maybe because of your car being stolen and not recovered
• accident damage that exceed 50% of the sum insured so insurance may opt to write off that than to repair
• a car involved in a fire hence completely damaged

2. THEFT OF CAR PARTS/STOLEN CAR PARTS

In this case if you have a comprehensive insurance  you can claim a compensation based on these risks

3.ACCIDENTAL DAMAGES

Comprehensive policy  covers the accident damages especially if the damages are substantial to your car .

4.YOU HAVE AN OPPORTUNITY ENHANCE YOUR COVER

Comprehensive car insurance gives you an opportunity to supplement compared to other car insurances therefore making it easy to cover a wide range of risks that can be out of your control like political violence and terror attacks among others

5.CAR COURTESY

Most insurance companies will give you a car as your car is in the garage  being repaired therefore making it easier for you as a car owner to continue with your businesses.

please note that expired license can ruin your insurance!!