Kenya Orient Insurance company has a new product for its clients which might just interest you. This is the Orient Motor Pack, an EXCESS FREE package that combines Motor Insurance with Personal Accident including 24 Hour Rescue and Emergency Services.
This package also comes with a Nil Excess on material damage claims. Any accident that requires more than Kshs 20,000 to repair or replace will not require an excess fee.
The product has an incentive where you get to have a car to use while your car is being repaired. Orient motor pack comes with a countrywide emergency rescue and breakdown assistance service. It also includes a refund in case of a forced ATM withdrawal.
Car insurance excess is the amount of money you have to pay in the event that you are deemed to be at fault for a car insurance claim. Your excess usually consists of a voluntary excess (this is something you can adjust when taking out a policy) and a compulsory excess (added by the insurer, this is usually higher for young and inexperienced drivers).