Directline Assurance Kenya is committed to providing comprehensive insurance coverage for a variety of motor vehicles, ensuring our clients are protected from any liability incurred during the use of their vehicles. From Public Service Vehicles (PSV) to private cars, we offer tailored insurance solutions to meet the diverse needs of motorists. Let’s explore our range of motor products and services, including Third Party Only (TPO) and Comprehensive Cover options.
Third Party Only (TPO)
Overview: TPO is the fundamental insurance cover required for all motorists. It provides protection for third parties in the event of bodily injury or damage to their property. Under TPO, policyholders are indemnified against legal liabilities arising from the use of their motor vehicles, covering Third Party Injuries, Third Party Property Damage, and Legal Representation.
Coverage Categories:
- PSV Matatu:
- Seating Capacity: 8-36
- Cover Arrangement: Monthly or Annual Basis
- PSV Bus:
- Seating Capacity: 37-105
- Cover Arrangement: Monthly or Annual Basis
- Taxi:
- Seating Capacity: 2-7
- Cover Arrangement: Monthly or Annual Basis
- Commercial Motor:
- Includes Own Goods and General Cartage Vehicles
- Cover Arrangement: Monthly or Annual Basis
- Private Motor – BimaTap:
- Cover Arrangement: Monthly Basis via BimaTap or Annual Basis
Requirements:
- Copy of the Logbook
- Copy of the Proposer’s PIN Certificate
- Copy of National ID Card of the Insured
Payment Mode:
- Banker’s Cheque
- Bank Funds Transfer
- M-Pesa Paybill 509800
Comprehensive Cover
Comprehensive Cover extends beyond TPO, offering additional protection against accidental damage or loss of the insured vehicle, including standard accessories and spare parts. We also provide policy extensions for Political, Violence & Terrorism, and Excess Protector at an extra cost.
Coverage Categories:
- PSV Matatu:
- All Comprehensive Covers: Annual Policies Only
- PSV Bus:
- All Comprehensive Covers: Annual Policies Only
- Private Motor:
- Cover Arrangement: Monthly Basis via BimaTap or Annual Basis
Requirements (For Private Motor Comprehensive Cover):
- Copy of the Proposer’s PIN Certificate
- Copy of National ID Card of the Insured/Sacco Name, Certificate of Registration, or Certificate of Incorporation
- Copy of the Logbook
- Valuation Facilitation Letter (For Comprehensive Cover)
Payment Options:
- Internal Insurance Premium Financing (IPF)
- External Premium Financing (Arranged Through Partner Banks and Microfinance Institutions)
Requirements for IPF:
- Duly Filled Proposal Form
- Specify Monthly Instalment Period (3, 6, or 10 Months)
- Payment Mode: Banker’s Cheque, Bank Transfer, M-Pesa Paybill 509800, EFT
Requirements for External Premium Financing (PSV TPO or Comprehensive):
- Copy of National ID Card for Insured/Applicant
- Copy of Certificate of Incorporation or Certificate of Registration
- Company PIN Copy
- Duly Filled & Signed IPF Form Application
- First Instalment Payable to the Insurance Company via Banker’s Cheque or M-Pesa Paybill 509800
At Directline Assurance Kenya, we strive to make insurance accessible and convenient for all motorists. Whether you require basic TPO coverage or comprehensive protection, our motor products and services are designed to meet your specific needs while ensuring peace of mind on the road.
