In Kenya, every vehicle must have at least third-party insurance as required by law. This cover protects other road users in case of injury, death or property damage. However, it does not cover damage to your own car. If your vehicle is swept away or damaged by floods and you only have third-party cover, you will not receive compensation.
Some drivers choose third-party, fire and theft insurance. This adds protection against theft and fire, but still does not include flood damage. The most reliable protection comes from comprehensive insurance...To Read More CLICK HERE
Comprehensive cover protects both third-party claims and damage to your own vehicle. It includes risks such as accidents, theft, fire and natural disasters like floods. This means if your car is damaged or submerged in water, you can file a claim, provided your policy is active and fully paid.
Britam Holdings explains that comprehensive motor insurance can cover repair costs or even total loss. If the damage is too severe and repair costs exceed half the value of the car, the vehicle may be declared a total loss and compensated accordingly.
Still, not every claim is automatic. Insurers assess several factors before approval. These include whether the policy was valid, whether the damage falls within insured risks and whether the vehicle value was declared correctly. Mistakes like delaying to report the incident, failing to document damage or starting repairs before inspection can lead to rejection.