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Coverage Options & Policy Details

The specific elements you are covered for in through NEXT comprehensive car insurance policy include the following

  1. Theft

    If your car is stolen, the NEXT comprehensive car insurance policy will ensure you get compensation. The value of the compensation will vary depending on factors such as whether your car had an antitheft device and whether it had a tracking device. The amount will also be subject to an excess (a portion of the sum you have been insured for that you are required to pay).

  2. Fire

    The NEXT comprehensive car insurance policy will also ensure that you get insured should your car catch fire accidentally. Car fires are not very common, but they happen. A car burns highly combustible fuels such as diesel and gasoline (petrol), and also uses inflammable lubricants such as engine oil, transmission oil and the power steering fluid. In addition, the engine operates at very high temperatures, and can cause spontaneous ignition. We have said nothing of the hundreds of meters of electrical wiring that circulates electric power to all parts of the car which can also cause sparks or may overheat leading to spontaneous combustion. Thankfully, the NEXT car insurance Kenya policy protects you from the damage associated with accidental fire in the car.

  3. Accidental Damage

    When your car is accidentally damaged, whether by yourself or a third party, whether on the road or in a parking space, your comprehensive car insurance policy will ensure you get compensation. Usually, any claim you make in this regard will be subject to excess, and may be investigated before settlement. It is important to note that deliberate damage to your car is not insurable.

  4. Total Loss of the Car

    A car may be totally lost after an accident. In insurance practice, a car is considered lost if the cost of repairs after an accident exceeds 50% of the sum assured. This can be the result of a road accident, a fire, or an accident when the car is parked. Whatever the cause, your car will be replaced if it is totally lost if you have the NEXT comprehensive car insurance policy

  5. Third Party Liabilities

    The fifth benefit of the NEXT car insurance policy is protection from third party liabilities. Third party risks include accidental damage to other people’s property, whether cars on the road, or other assets such as buildings, goods etc. It also includes injury or death of third parties as a result of an accident, and injury or death of any passengers you are carrying on the car.

  6. Additional Benefits

    You can enhance your comprehensive insurance cover by paying for additional benefits which include access to a courtesy car if your car should become unavailable after an accident. Additional benefits accessible by paying additional premiums include a stereo cover, a personal accident cover, and the political violence and terrorism cover.

Third Party Property Damange5,000,000
Third Party Persons Injury/Death (per person)Unlimited
Third Party Person (per event)20,000,000
Passenger Liability (per person)3,000,000
Passenger Liability (per event)20,000,000
Towing Charges50,000
Authorized Repair50,000
Medical Expenses50,000
Entertainment Unit (Radio, CD player etc)30,000
Car Valuation Free
Excess Protector0.25% of insured value min of 2,500
Road Rescue
Loss of Use (Courtesy car benefit) Maximum of 10 days 30,000
Political Voilence & Terrorism Extension 0.25% of insured value
Riot, Strike, Civil CommotionCovered
Special Perils e.g. storm, floods, earthquakesCovered
Geographical AreaEast Africa
Accidental Damage2.5% of value of vehicle (min KSh 15,000, max KSh 100,000)
Theft (with anti-theft device)10% of the value of the vehicle (min KSh 20,000, max KSh 100,000)
Theft (without anti-theft device)20% of value max KSh 100,000
Third Party Property DamageKSh 7,500
Young Driver (under 21 years)KSh 7,500
Inexperienced Driver (less than 1 year experience)KSh 7,500

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