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What is NEXT Comprehensive PSV Motor Insurance?

NEXT Comprehensive PSV Motor Insurance kenya is a special type of Motor PSV insurance policy in Kenya developed to meet the unique needs of taxi owners. This policy deals squarely with your exposure to risks that arise from the operations of your taxi. As a comprehensive insurance policy, it has three distinct characteristics

First, the NEXT Comprehensive PSV Motor Insurance Kenya offers you a wide range of benefits, wider than for any other type of PSV Car Insurance in Kenya. Your taxi will be covered from risks such as total loss of the car, the risk of theft of the car, and costs of repairs due to accidents.

Secondly, the policy is optimized to be the most cost effective PSV car insurance policy available for any taxi in Kenya. We have taken time to analyze the risks that taxi owners face by having taxis on the road, and we have further worked out what it will take to manage this risk on their behalf. The result is a unique policy that will meet your needs as a taxi owner very competitively.

The third unique element associated with the NEXT Comprehensive PSV Motor Insurance Cover is that it is the only Motor PSV insurance in Kenya that you can buy online. We understand that your time is a very critical asset as a taxi owner. We have therefore developed an online system that makes it easy for you to buy your insurance policy without worrying about the time.

NEXT Comprehensive PSV Motor Insurance is provided by insureafrika, a leader in online insurance sales. You can rest assured that your experience with us will be unmatched and is underpinned by robust technological systems that have been painstakingly crafted to ensure you get the best customer experience as you buy car insurance Kenya.

What are you covered for Under NEXT PSV Motor Comprehensive Insurance?

Every insurance policy usually has very specific risks included in the coverage. Our’s is no exception. Here are the specific risks you are covered from when you buy this policy.

Accidental Collision and Overturning

You are covered from the cost associated with repairs arising from an accidental collision with another vehicle or object, and overturning. This means that your policy will take care of any costs arising from these events, whether a total loss, or partial damage.

Fire

In the event a fire starts out accidentally in your car, your insurance policy will come in to handle the resulting liabilities. Fires in cars can arise from faulty parts, leakages in the fuel systems, or electrical malfunction. As you are aware, cars have many flammable fluids in them including fuel (petrol or diesel), transmission fluid and power steering fluid. All these can ignite leading to a fire. Similarly, electrical sparking can also start fires in your car.

Theft

This is straight forward just as stated. If your car is stolen, your insurer will compensate you-period. However, depending on certain factors the amount of compensation will vary. These factors include whether your car had an antitheft device or not (such as immobilizers and cut out systems), whether it had a car alarm or not, and whether it had an active tracking unit or not.

Malicious Damage

In some cases, your car may suffer from malicious damage from other persons. A very common example is someone reversing into your car in a parking lot causing damage, and then taking off. It can however include people who deliberately and maliciously break car parts such as the windshield, front and indicator lights, or if they dent the car’s body. These risks are covered under the NEXT Comprehensive PSV Motor Insurance Policy.

Riot & Strike

In politically charged countries like Kenya, riots and strikes can occur (and they often do) with short or no notice to you. As a result, your taxi may be damaged or destroyed by the actions of the people on strike. The NEXT Comprehensive Car insurance policy ensures you are covered from this risk.

Injury and/or death to passengers

In the event that an accident involving your car occurs is serious and causes death or injury to passengers in the car, you will be compensated for any claims related to this accident made against you by the NEXT Comprehensive PSV Motor Insurance.

Injury and /or death to Third Parties

In some cases, your taxi may hit and injure or cause the death of a third party such as pedestrians and occupants of other cars. In Kenya, pedestrians account for the largest number of fatalities on Kenyan roads. As such, having an insurance policy against such risks is a wise decision. The NEXT Comprehensive PSV Motor Insurance Kenya is one such policy.

Damage to property belonging to third parties

In case your car damages other people’s property, be it their cars or other property near the road, you will be covered by the NEXT Comprehensive Motor PSV Insurance Policy.

How do you make a Claim on your NEXT PSV Motor Comprehensive Insurance?

The process of making a claim against your NEXT Comprehensive Car Insurance Policy has the following steps.

• Ascertain that the situation you are in will require the involvement of the insurance company

  Once an event has occurred, assess the situation to see whether it is a minor issue that you can handle yourself or whether you need to involve your insurer. Some accidents may not be serious and may only constitute superficial scratches that a good buffing will solve. Others are such that the car is damaged and need to be towed from the scene. If in doubt, please call us right away.

  
  

• Get in touch with us on our customer service number

  The next step is to get in touch with us on our dedicated customer service number (Toll Free-0800 721200) which is also found at the back of your insurance sticker. We will advise you on what you need to do and how to proceed so at to make any subsequent claim successful.

  
  

• Gather the information that you will need to fill the claim form

  The next step is to gather the information required to fill the claim form. You will need a police abstract form detailing what happened and may also assign blame. You also need to gather some of the information yourself. In this case, you need to get the contact details of the other person. If it is another motorist, get their contact details, the registration number of their car, their license number (take a photo of it if possible), their national ID number, and their insurance policy number. If you can, take photos of the accident scene.

  
  

• Download and fill the Claim form

  The Next step is to download and fill the claim form from our site. Make a copy of the form and attach all necessary documentation. This includes the police abstract alongside all the other details you gathered in the accident scene. Drop the claim form and all attachments to our office.

  
  

How can you Buy a NEXT Comprehensive PSV Motor Insurance policy?

The process of buying the NEXT comprehensive car insurance policy is simple. All you need to do is to fill our online form. Once you complete the form, giving us your details and your coverage preferences, we will send you a quote immediately on your email. You will also be able to view the quote online. You will have the option of paying the premium quoted using MPesa, VISA, among other payment modes, including by cheque. Once you make the payment, you will receive a copy of your insurance policy sent to you via email, as well as a letter indicating where to go for valuation. We will then send you the insurance certificate (sticker) via courier, typically within the same day in Nairobi. You can also pick the insurance certificate from our offices in Westlands.