Being a member of ICPAK,one of the benefits is to have discounted ICPAK motor vehicle insurance benefits. Below is a summary of insurance benefits you will enjoy
| BRITAM | JUBILEE | UAP | APA | PACIS | |
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Rate |
3.5% Subject to minimum Premium of Kshs. 30,180.00 |
3.5% Subject to minimum premium of Kshs. 15,000.00 | 3.5% Subject to minimum premium of Kshs. 12,500.00 |
3.5% |
3.5% Subject to minimum premium of Kshs. 15,000.00 |
| Towing extension | Free, subject to Maximum of Kshs. 30,000.00 | Limit per year Kshs. 50,000.00 |
Free, subject to Maximum of Kshs. 30,000.00 | Maximum of Kshs. 50,000.00 | Free, subject to Maximum of Kshs. 50,000.00 |
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Windscreen extension |
Free, subject to a maximum of Kshs.30,000.00 (10% additional premium where value exceeds Kshs. 30,000.00) | Maximum Kshs. 50,000.00 Additional premium 10% limit above Kshs. 50,000.00 |
Free, subject to a maximum of Kshs.50,000.00 (10% additional premium where value exceeds Kshs. 50,000.00) |
Maximum of Kshs. 50,000.00 |
Free, subject to a maximum of Kshs.50,000.00 (10% additional premium where value exceeds Kshs. 50,000.00) |
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Radio Cassette extension |
Free, subject to maximum of Kshs. 30,000.00 (10% additional premium where value exceeds Kshs. 30,000.00) | Replacement cost maximum Kshs. 50,000.00 Additional premium 10% limit above Kshs. 50,000.00 |
Free, subject to maximum of Kshs. 50,000.00 (10% additional premium where value exceeds Kshs. 50,000.00) |
Maximum of Kshs. 50,000.00 |
Free, subject to maximum of Kshs. 50,000.00 (10% additional premium where value exceeds Kshs. 50,000.00) |
| Emergency medical expenses to the Insured and Third parties | Maximum of Kshs. 30,000.00 | Per year Kshs. 50,000.00 Additional premium 1%of limit above Kshs. 50,000.00 |
Maximum of Kshs. 30,000.00 | Maximum Kshs. 50,000.00 | Maximum of Kshs. 50,000.00 |
| Valuation | Free | Free | Free | Free | Free |
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Loss of Use extension |
Maximum of Kshs. 30,000.00 ( if vehicle detained for more than 14 days, additional fee of Kshs. 3,000.00) | Loss of use Kshs. 3,000.00 per day Max 30,000.00 subject to 3 day’s time excess Additional premium Kshs.3,000.00 |
Maximum of Kshs. 30,000.00 ( if vehicle detained for more than 14 days, additional fee of Kshs. 3,000.00) | Kshs. 3,000.00 Maximum Kshs. 30,000.00 | Car hire extension subject to maximum of Kshs. 30,000.00 ( 10 days @3,000.00 , excess of the first 3 days) |
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Excess |
0.5 % of the excess in event of accident claim and member blamed ( Minimum claim Kshs. 5,000.00)
Accident damage: Excess 2.5% of the value Min Kshs. 20,000.00 Max Kshs. 100,000.00 Third party property damage: Theft: Young/Inexperienced driver: No blame no excess subject to proof (Police abstract). |
Excess protector: 0.25% of sum insured, Min Kshs. 2,500.00 on own damage/partial theft/political violence/terrorism Own damage and partial theft – 2.5% of sum insured. Min Kshs. 15,000.00 Max Kshs. 100,000.00 Third party bodily injured claims: – NIL Theft: Young and Novice driver – additional Kshs. 5,000.00
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5% of the excess shall be charged in event of an accident claim and the member is to blame.(Minimum Kshs. 2,500.00)
Accidental damage: Third party property damage: Theft: Young/Inexperienced driver: No blame no excess subject to proof (Police abstract). |
No blame no excess subject to proof (Police abstract). |
10% of the excess shall be charged in event of an accident claim and the member is to blame.(Minimum Kshs. 2,500.00)
Accidental damage excess2.5% of the value, Min Kshs. 15,000.00 Max Kshs.100,000.00 Third party property damage: Theft: Young/Inexperienced driver: No blame no excess subject to proof (Police abstract). |
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Third Party Private Vehicles |
Premium of Kshs. 7,574.00 per year Third party Fire and Theft policy will be subject to 3% ( Minimum of Kshs. 12,500.00) |
Third party property damage claims: Kshs. 7,500.00 |
Premium of Kshs. 7,574.00 per year Third party Fire and Theft policy will be subject to 3% ( Minimum of Kshs. 12,500.00) |
Premium of Kshs. 7,574.00 per year Third party Fire and Theft policy will be subject to 3% ( Minimum of Kshs. 12,500.00) |
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Other Risks |
Cover perils of riots and strikes (provided members are not participants) at 0.25% of the sum insured. Terrorism & Political risks extension: 0.25% of sum insured(Minimum Kshs. 3,000.00)
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Political violence and terrorism 0.25%of sum insured, Min Kshs. 2,500.00 Fatal accident cover for the insured or driver Kshs. 100,000.00
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Free extension to cover acts of nature like floods. Free extension to cover perils of riots and strikes (provided members are not participants) at the rate of 0.25%of the sum insured. Excluding political risks and terrorism ( A stand –alone cover)
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Riot and strikes free
Political violence and terrorism free |
Free extension to cover acts of nature like floods. Free extension to cover perils of riots and strikes(provided members are not participants) Terrorism & Political risks extension: 0.25% of sum insured(Minimum Kshs. 3,000.00) |
| Limits of Liability | Third Party Person: Unlimited Third Party Property damage: Kshs. 5M Passenger liability: Kshs.3M per person Kshs.20M per event |
Third Party bodily injury: Unlimited Third Party property damage: Kshs. 5M Passenger liability: Kshs. 3M per person Kshs. 40M per event |
Third Party Person: Unlimited Third Party Property damage: Kshs. 5M Passenger liability: Kshs.3M per person Kshs.20M per event |
Third Party Person: Unlimited Third Party Property damage: Kshs. 5M Passenger liability: Kshs.3M per person Kshs.20M per event |
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| Contact Persons | Hannah Tel: 0723328150 [email protected]
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Pauline Tel: 0721242671 [email protected] |
Florence Tel: 0722715069 [email protected] |
Rosemary Tel: 0720737314 [email protected] John Tel: 07249286600 [email protected] |
Agnes Tel: 0724341211 [email protected] Sellah Tel: 0726334626 [email protected] |
UAP,Britam,Jubilee and APA are