The excess protector is the single most important optional add-on that most car owners add to their policy in Kenya. It cushions the insured against a high insurance excess/deductible payable in case of a claim. There are two types of excess protector, excess protector for own damage and Full Excess Protector. As the naming suggests, the excess protector for own damage only covers claims arising from damage or partial loss to the insured vehicle. Partial loss on this means small thefts and or vandalisms e.g. theft of side mirrors, wheel caps etc. The full excess protector will cover own damage and also cover total loss of the vehicle from theft. In the event of a claim, the insured is normally required to pay an excess of between 2.5% – 25% for the cases of successful theft of the vehicle of the insured value of the car which can be a huge amount of money and cause financial burden at a time of distress. For example, for a car worth KSh 1 million, paying an excess of up to KSh 250,000 can leave an insurance customer well and truly dissatisfied. However, thanks to the excess protector, the insured will not have to pay this as the insurer takes over the entire cost. The excess protector costs 0.25% of the value of the insured car for own damage. For the full excess protector, this goes for 1-2% of the insured vehicle value although some insurers may hesitate to give this option given to the high numbers of dubious and suspicious vehicle theft claims. Tip: In the event of a motor insurance claim where the excess protector is utilised, it is considered depleted meaning the insured has to purchase this excess protector option once again immediately after the claim for it to be reinstated on their car insurance policy.

Most Kenyans are not aware that Political violence and terrorism is not covered on all general insurance policies, it is an extensions that can either be added to most of the common general insurance policies or taken as a standalone. It is therefore advisable to take this option to protect your treasured asset from any politically motivated damage. A common occurrence of these is strikes, protests and riots, which arise out of political negotiations and lead to destruction of public property, lawlessness and disorder. The cost of this cover is normally charged at 0.25% of the value of the insured vehicle. Tip: When buying your car insurance online or through the traditional channels, it is important to compare quotes from multiple insurance providers in Kenya to make sure you are getting the best price for the best cover. Many insurance companies give a good discount when a combo package including an excess protector and a PVT cover are taken together as opposed to when the basic car insurance policy is taken on its own.

In the event of a car accident or theft of the insured, car owners may suffer the biggest convenience. Without an alternative car to use while the accident vehicle is garaged for a many times unpredictable amount of time, the insured requires a replacement car. Most car insurance companies provide an option of a replacement courtesy car for a maximum of 10 days while the insured motor vehicle is out of use. Because of the logistical challenges of providing an actual car for this, many car insurance companies in Kenya offer re-imbursement of KSh 3,000 for each day that the insured vehicle is out of use up to a total maximum of KSh 30,000 Note: This service has insurance excess, which is the first 3 days that the insured vehicle is garaged; this means the insured will not be paid for those first 3 days.

AA cover is one of the useful services for a car owner in Kenya. In the event of an accident or a car breakdown, AA cover will be your saviour. Get your vehicle professionally towed or small repairs done to kick-start your car free of charge courtesy of your AA membership. For the paltry sum of KSh 3,500 a year you can get an AA cover. In addition to AA cover, other companies like INFAMA Kenya also offer towing and recovery options within the main towns and cities.