Motor Insurance is essential for vehicle owners to protect themselves against financial losses from accidents, theft, and other unforeseen events. It provides comprehensive coverage, including third-party liability, own damage, and personal accident cover. With tailored options and extensive protection, Motor Insurance ensures financial security and peace of mind for vehicle owners.
Motor Insurance Cover Types
We offer the following three types of motor insurance coverage:
- Third Party:
- Covers third-party bodily injury and property damage resulting from a vehicle accident.
- Provides unlimited liability for third-party personal injuries or death.
- This is the minimum cover required by the Motor Insurance Act.
- No compensation is provided for damage to the policyholder’s vehicle.
- Third Party Fire & Theft:
- Extends coverage to include theft, fire, third-party bodily injury, and property damage.
- Recommended for vehicles not frequently used on the roads.
- Comprehensive:
- Offers the widest coverage, including damage to the insured vehicle, third-party liability, property damage, fire, theft, and accidental damage.
Motor Insurance Classes Covered
Our motor insurance covers the following classes:
- Private Cars
- Motorcycles / 3-Wheelers
- Commercial Vehicles
- Passenger-Carrying Vehicles (Taxi, Tour, Daladala, etc.)
- Special Type Vehicles (Farm Tractors, Forklifts, Excavators, etc.)
Information Required
To obtain Motor Insurance, insurers typically require the following information:
- Vehicle Details: Make, model, year, and value of the vehicle.
- Owner Information: Personal details of the vehicle owner, including driving license.
- Usage: Purpose of the vehicle use (e.g., personal, commercial).
- Coverage Type: Desired coverage options (e.g., third-party, comprehensive).
- Previous Claims: History of past claims and incidents.
Coverage Details
Motor Insurance policies typically include the following types of coverage:
- Third-Party Liability:
- Bodily Injury: Covers legal liabilities for injuries or death of third parties caused by the insured vehicle.
- Property Damage: Covers legal liabilities for damage to third-party property.
- Comprehensive Coverage:
- Own Damage: Covers repair or replacement costs for the insured vehicle due to accidents, theft, fire, or other covered perils.
- Third-Party Liability: Includes coverage for bodily injury and property damage to third parties.
- Personal Accident Cover: Provides compensation for injuries or death of the vehicle owner/driver.
- Collision Coverage:
- Accidents: Covers repair or replacement costs for the insured vehicle resulting from collisions with other vehicles or objects.
- Theft Coverage:
- Vehicle Theft: Covers the loss of the insured vehicle due to theft.
- Fire and Explosion:
- Damage from Fire: Covers repair or replacement costs if the insured vehicle is damaged by fire or explosion.
- Uninsured/Underinsured Motorist Coverage:
- Third-Party Claims: Covers bodily injury and property damage caused by an uninsured or underinsured driver.
Insured Perils
Motor Insurance typically covers a range of perils, including but not limited to:
- Accidents: Collisions with other vehicles or objects.
- Theft: Loss of the vehicle due to theft.
- Fire and Explosion: Damage resulting from fire or explosion.
- Natural Disasters: Damage caused by natural events like floods, storms, or earthquakes.
- Vandalism: Damage due to malicious acts.
Exclusions
While Motor Insurance provides extensive coverage, certain exclusions generally apply. These may include:
- Own Death or Injury: Personal injury or death of the vehicle owner/driver (unless covered under personal accident).
- Damage to Tires: Unless the vehicle is also damaged.
- Consequential Loss: Depreciation, wear and tear, or mechanical breakdowns.
- Loss Outside Geographical Area: Incidents occurring outside the covered area.
- Influence of Alcohol/Drugs: Accidents caused by driving under the influence.
- Unlawful Purpose: Use of the vehicle for illegal activities.
- Overloading/Strain: Damage caused by overloading the vehicle.
Risks Not Covered in Our Motorcycle Insurance
Our motorcycle insurance policies do not cover the following risks:
- Loss of personal effects
- Personal accident cover
- Use in connection with a motor trade
- Racing
- Use for the carriage of passengers for hire or reward
- Consequential loss
- Loss or damage to accessories or spare parts by theft unless the motorcycle is also stolen
- Damage to tires
- Depreciation, wear, and tear
- Mechanical and electrical breakdowns
- Loss of use
Benefits
Motor Insurance offers several key benefits, including:
- Financial Protection: Covers repair and replacement costs, reducing the financial burden on the vehicle owner.
- Liability Coverage: Protects against legal liabilities arising from third-party claims.
- Peace of Mind: Provides assurance that the vehicle and owner are protected against various risks.
- Compliance: Ensures adherence to legal requirements for vehicle insurance.
- Customization: Policies can be tailored to meet the specific needs of the vehicle owner.
Requirements for Cover
To secure your motor insurance coverage, please provide the following:
- Duly Completed Proposal Form
- Registration Card
- List and Breakdown of Additional Items: Include details and values for items like radios, rims, tires, etc.
- Driving License or Valid NIDA ID
- Pre-Inspection Photos of the Insured Vehicle
- Premium Payment
Ensure all documents are accurately completed and submitted to facilitate a smooth coverage process.
In the Event of a Claim
For assistance with your claim, please contact us at:
- Phone: +255 718 422 229
- Email: claims@bluetickinsurance.com
Minimum Claim Requirements
To process your claim, please provide the following documents:
- TIN Number/Certificate/Valid NIDA ID
- Completed Claim Form
- Any Additional Documents Requested
Ensure that you have all required documents to facilitate a prompt and efficient claims process.