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Why I need an Excess Protector in Motor Insurance!
An excess is the amount you incur as the insured when you make a claim. Insurance Companies in Kenya expect the insured to bear a cost of 2.5% of vehicle value for private cars, and 5% for commercial vehicles while the rest of the cost is catered for by the insurance company. This percentage is what is referred to as an excess. Note if a claim falls below the minimum set excess amount, the insured is expected to bear the cost of that claim.
An Excess protector allows you to guard yourself from this amount by paying a protection fee at the start of the policy. Most companies also wave this cost if there is proof of another party to be blamed for the accident, (No blame No excess)
Excess also applies in other classes of insurance. Visit www.earnestinsurance.co.ke to learn more on other products.