TAKING OUT INSURANCE AFTER BUYING A CAR IN MOMBASA .

TAKING OUT INSURANCE AFTER BUYING A CAR IN MOMBASA 

So you paid the consultation fee of 1,000 bob and trusted us to scout your dream vehicle for you.

What next after paying for it ?

The next step is Insurance of course.

1) What is Car insurance

Car insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy.

2) HERE ARE SOME DO’S AND DON’TS WHEN TAKING OUT CAR INSURANCE FOR THE FIRST TIME IN MOMBASA.

1)      Always take Comprehensive insurance over Third party only cover :

comprehensive car insurance is a combination of third party insurance and own damage insurance. It provides comprehensive coverage against third party liabilities and loss or damages of the car from accidents, vandalism, fire, falling objects or floods.

Rememeber to take extensions like Excess protector on own damage claims and Political violence and terrorism extension.
You will need a qualified professional to take you through this.

Talk to us on 0705030596

2)      Have your vehicle valued before it leaves the showroom : A competent insurance company will authorize a valuer to inspect and value the vehicle before it leaves the showroom. This means that the vehicle is inspected as it is before second hand use by you. The official report released by the valuer may help in future should any dispute arise e.g a fire claim resulting from wires on the entertainment system.
3)  Avoid insurance agents who are desperate to sell. Such agents are out to milk money from you in all ways. From unnecessary agent fees to high rates on your insurance cover. In some cases you may end up paying more and still be left out on some extensions e.g excess protector.
4)       Never pay for full year insurance if a valuation report is not yet out. Request the insurer through us (your intermediary) to give insure the vehicle at the estimated price bought from the showroom and give you one month certificate which will act as part payment for your annual insurance cover. Once the valuation report is out, the value of the vehicle will be adjusted in your insured policy and you will pay the difference based on this new value for the reminder of the period i.e. 11 months.

5) Remember to do Logbook follow-ups. We offer this service for free once you buy your vehicle through us. It is imperative to have the logbook transferred in your name once you paid in cash or once you are done paying on hire purchase after the specified number of months in the sales contract.

Do you have any other questions regarding insurance ? You can reach us on 0705030596 (whatsapp and calls)

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