Motor Comprehensive v2
MOTOR-COMP · Motor line · Own damage, third party, theft and windscreen for private vehicles.
Covers
| Cover | Code | Default limit | |
|---|---|---|---|
| Own Damage | OD | — | mandatory |
| Third Party Liability | TPL | KES 3,000,000 | mandatory |
| Theft | THEFT | — | optional |
| Windscreen | WS | KES 50,000 | optional |
Eligibility rules
| Field | Rule | Reason |
|---|---|---|
| usage | in private, commercial, psv | usage class is insurable |
| vehicle_age | in 0-3, 4-7, 8+ | vehicle age band known |
Pricing
| Base rate | 3.5% of sum insured |
| Minimum premium | KES 25,000 |
| Factor: vehicle_age | 0-3 ×1 · 4-7 ×1.15 · 8+ ×1.35 |
| Factor: usage | private ×1 · commercial ×1.4 · psv ×1.8 |
| Levy: Insurance Training Levy | 0.25% |
| Levy: Stamp Duty | KES 40 |
| Levy: PCF Levy | 0.25% |
Intelligence configuration
| Domain | Autonomy mode |
|---|---|
| Underwriting | RECOMMEND |
| Claims | ASSIST |
| Renewal | AUTO |
| Communication | AUTO |
| Payments | AUTO |
off → no intelligence · assist → prepare work · recommend → propose actions · auto → execute within authority.
Version history
| Version | Status | Effective |
|---|---|---|
| v2 current | active | 01 Oct 2025 → present |
| v1 | retired | 01 Oct 2024 → 01 Oct 2025 |
Policies stay bound to the version under which they were issued — history is never silently modified.
Underwriting rules
| Referral threshold | KES 5,000,000 |
| usage | private +0 · commercial +15 · psv +30 |
| claims_history | none +0 · one +10 · multiple +30 |