{"id":6697,"date":"2025-01-03T17:39:31","date_gmt":"2025-01-03T14:39:31","guid":{"rendered":"https:\/\/www.magaripoa.com\/?p=6697"},"modified":"2025-01-03T17:39:31","modified_gmt":"2025-01-03T14:39:31","slug":"who-is-covered-under-comprehensive-motor-insurance-policy","status":"publish","type":"post","link":"https:\/\/www.magaripoa.com\/gari\/who-is-covered-under-comprehensive-motor-insurance-policy\/","title":{"rendered":"Who is covered under Comprehensive Motor Insurance Policy"},"content":{"rendered":"<p><span style=\"font-size: 12pt;color: #000000\">Comprehensive Car Insurance is also referred as Fully Comp cover which provides the overall coverage to the insured and is referred as the top-level insurance that can be given to the insured by any insurance company.<\/span><\/p>\n<p><span style=\"font-size: 12pt;color: #000000\">With Comprehensive Coverage, the insurance companies cover your car inclusive of the third party damage. \u00a0There are three types of cases where comprehensive motor insurance is applicable:<\/span><\/p>\n<ul>\n<li><span style=\"font-size: 12pt;color: #000000\"><b>Where it is your fault:<\/b><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: 12pt;color: #000000\">You can claim for the financial coverage to repair your vehicle along with the third party damage even if the accident is deemed to be your fault. The company pays off all the loss as per policy norms.<\/span><\/p>\n<ul>\n<li><span style=\"font-size: 12pt;color: #000000\"><b>Where fault can\u2019t be proven<\/b><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: 12pt;color: #000000\">In case, if your car is hit by someone but the fault can\u2019t be proven. Yo0u can still claim for repairing cost from your insurer. These \u2018Hit-N-Run\u201d cases are normal these days. You don\u2019t need to be worry if you have purchased comprehensive motor insurance for your vehicle.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h3 id=\"auto-insurance-cover\"><span style=\"font-size: 12pt;color: #000000\">What does comprehensive auto insurance cover?<\/span><\/h3>\n<p><span style=\"font-size: 12pt;color: #000000\">Your comprehensive car insurance covers all the risks that are a result of any accident unrelated to any kind of collision. Here are the covers that are being insured in this policy:<\/span><\/p>\n<ol>\n<li><span style=\"font-size: 12pt;color: #000000\"><em>Loss or damage caused by a collision or crash.<\/em><\/span><\/li>\n<li><span style=\"font-size: 12pt;color: #000000\"><em>Loss due to Theft, vandalism, accidental damage<\/em><\/span><\/li>\n<li><span style=\"font-size: 12pt;color: #000000\"><em>Loss or damage caused by fire.<\/em><\/span><\/li>\n<li><span style=\"font-size: 12pt;color: #000000\"><em>Loss or damage due to storm or flood, or any natural calamities.<\/em><\/span><\/li>\n<li><span style=\"font-size: 12pt;color: #000000\"><em>Replacement by a new Vehicle in case if your car is classified as Written-Off in policy registration.<\/em><\/span><\/li>\n<\/ol>\n<h3 id=\"not-covered\"><span style=\"font-size: 12pt;color: #000000\">What is not covered?<\/span><\/h3>\n<p><span style=\"font-size: 12pt;color: #000000\">There are a number of risks which a motorist can face while driving. The insurance companies recover few of those financial risks in different type of insurance policies.<\/span><\/p>\n<p><span style=\"font-size: 12pt;color: #000000\">Presented above were the covers which are covered in Comprehensive insurance . Notably, some losses are\u00a0not covered\u00a0by car insurance in kenya. These are mentioned below:<\/span><\/p>\n<p><span style=\"font-size: 12pt;color: #000000\"><em>1. Breakdowns Arising from Wear and Tear.<\/em><\/span><\/p>\n<p><span style=\"font-size: 12pt;color: #000000\"><em>2. \u00a0Intentional Damage<\/em><\/span><\/p>\n<p><span style=\"font-size: 12pt;color: #000000\"><em>3. \u00a0Personal Injuries<\/em><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Comprehensive Car Insurance is also referred as Fully Comp cover which provides the overall coverage to the insured and is referred as the top-level insurance that can be given to the insured by any insurance company. With Comprehensive Coverage, the insurance companies cover your car inclusive of the third party damage. \u00a0There are three types&#8230;<\/p>\n","protected":false},"author":1,"featured_media":6698,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"jetpack_seo_schema_type":"","cybocfi_hide_featured_image":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[1954],"tags":[],"class_list":["post-6697","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-literacy"],"jetpack-related-posts":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pej6K6-1K1","jetpack_likes_enabled":true,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.magaripoa.com\/gari\/wp-content\/uploads\/Who-is-covered-under-Comprehensive-Motor-Insurance-Policy-magaripoa.jpg?fit=1300%2C732&ssl=1","_links":{"self":[{"href":"https:\/\/www.magaripoa.com\/gari\/wp-json\/wp\/v2\/posts\/6697","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.magaripoa.com\/gari\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.magaripoa.com\/gari\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.magaripoa.com\/gari\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.magaripoa.com\/gari\/wp-json\/wp\/v2\/comments?post=6697"}],"version-history":[{"count":0,"href":"https:\/\/www.magaripoa.com\/gari\/wp-json\/wp\/v2\/posts\/6697\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.magaripoa.com\/gari\/wp-json\/wp\/v2\/media\/6698"}],"wp:attachment":[{"href":"https:\/\/www.magaripoa.com\/gari\/wp-json\/wp\/v2\/media?parent=6697"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.magaripoa.com\/gari\/wp-json\/wp\/v2\/categories?post=6697"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.magaripoa.com\/gari\/wp-json\/wp\/v2\/tags?post=6697"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}