Summary: Motorists in Kenya expect their insurance to cover losses in case of accidents, but understanding the nuances of the process is crucial. The key lies in ensuring that your motor insurance claim doesn’t face rejection. Here are essential tips:
- Insurable Interest:
- Motorists must own the vehicle or incur a financial loss if it’s damaged or lost.
- Lack of insurable interest leads to claim rejection.
- Policy Terms and Conditions:
- Adhering to policy terms is vital.
- Breaches like inaccurate information, failure to maintain the vehicle’s roadworthiness, late accident notification, and not communicating changes can result in claim rejection.
- Exclusions listed in the policy document mean certain losses won’t be compensated.
- Policy Validity:
- Ensure the expiration date on your vehicle’s windscreen matches the policy document.
- Claims outside the policy period face rejection.
- Scope of Cover:
- Different covers (Third party Only, Third party Fire and theft, Comprehensive) have distinct provisions.
- Claim rejection if the type of cover on the policy doesn’t match the damage.
- Fraudulent Claims:
- Honest disclosure is crucial.
- False or fraudulent claims lead to rejection and potential legal consequences.
- Traffic Violations:
- Claims may be rejected if the accident involves a violation of traffic rules (e.g., driving under the influence or without a valid license).
Conclusion: Understanding your policy, maintaining honesty, and complying with traffic rules are essential for a seamless motor insurance claim process. Being proactive and informed ensures that, in the unfortunate event of an accident, you can navigate the claims process successfully. Drive safely and be aware of your policy details to avoid claim rejections.