I/We the above named Proposer declare that:

• The information I/We have provided above is correct and factual.

• I/We have disclosed all the material facts of the insurance risk involved for the above said motor vehicle.

• The vehicle shall be used for social, domestic and pleasure purposes only.

• The vehicle shall always be of sound mechanical and roadworthy condition.

• The vehicle has complied with all current laws, rules and regulations imposed by the Traffic Act.

• If the declarations given are found to be inaccurate or the information provided is found to be inaccurate then I/we will indemnify the company against any loss the company may incur out of the issuing of the insurance policy from this proposal.

• The cover provided covers:

- Death or Bodily injury to any person excluding the members of the insured’s household or same household as any person claiming be indemnified.

- Damage to Property

- Indemnity to legal representatives following the death of any person covered under this policy, we will indemnify that person’s legal representatives for Liability covered under this section provided such legal representatives comply with all the terms and conditions of the policy.

• In the event of an accident:

- Do not admit liability

- Notify the Insurance Company immediately and in any event not later than 14 days.

• It is agreed and understood that there will be No Refund of premium on purchase of Bima Tap.

• It is agreed and understood that the Insured will procure BimaTap cover using their registered Safaricom Mpesa Number.

I/We the above named Proposer declare that:

The information I/We have provided above is correct and factual.

• I/We have disclosed all the material facts of the insurance risk involved for the above said motor vehicle
• The vehicle shall be used for social, domestic and pleasure purposes only
• The vehicle shall always be of sound mechanical and roadworthy condition.
• The vehicle has complied with all current laws, rules and regulations imposed by the Traffic Act.
• If the declaration given or the information provided is found to be inaccurate, then I/we will indemnify the company against any loss the company may incur out of the issuing of the insurance policy from this proposal.



The Comprehensive Insurance provided covers the following:

• Accidental loss or Damage to the motor vehicle insured including the normal accessories and/or spare parts in it.
• Death, bodily injury or loss or damage to property of third parties arising out of the use of the insured motor vehicle.
• Death or Bodily injury to any person riding in the vehicle excluding the members of the insured’s household or same household up to Kshs. 3,000,000 Maximum 20million per event.
• Indemnity to legal representatives following the death of any person covered under this policy. The policy will indemnify that person’s legal representatives for Liability covered under this section provided such legal representatives comply with all the terms and conditions of the policy.
• Geographical Area East Africa excluding liabilities accruing from to third party death, bodily injury or loss or damage to property.
• Age limit: 15 years
• Minimum Sum Insured: 750,000

Application of Limits of Liability (Kshs)

In the event of an accident involving indemnity under this policy, the under noted limits shall apply:

• Third Party Property Damage - 5,000,000
• Third Party Bodily Injury/Death - 3,000,000 per person
• Repair authority - 30,000
• Windscreen - up to 30,000
• Car Radio / Stereo - up to 30,000
• Towing charges – up to 30,000

Excess (Kshs)

The insured in respect of each and every event shall be responsible for the first amount payable directly to the company as follows:

• Accidental damage -2.5% of sum insured minimum 15,000
• Partial Theft -2.5% of sum insured minimum 20,000
• Theft with anti-theft device: 10% Value minimum 20,000
• Theft without anti-theft device: 20% of sum insured minimum 20,000
• Theft with tracking device: 5% of sum insured minimum 20,000
• Third Party Injury/Death Claims - 10,000
• Third Party Property Damage Claims - 10,000
• Young Drivers – Additional 10,000 Each and every claim
• Novice Drivers – Additional 10,000 Each and every claim

Valuation/Inspection of the Vehicle

It is agreed that the insured shall facilitate the physical inspection of the vehicle within 48 hours of purchase of this insurance by availing the vehicle to and cooperating with the appointed valuer. Failure to effect the said inspection within 48 hours from the date of cover inception through the fault of the insured shall automatically lead to downgrading of cover to Third Party Only with related costs accruing to the insured.

Further, it is understood that theft cover shall stand suspended until a satisfactory motor vehicle valuation report has been received by the company.

Important Notice

You are asked to note that in the event of an accident involving the insured motor vehicle:

You should not admit liability to any third party claimant or witness or anyone acting on behalf of a possible claimant.

Full particulars of witnesses including names and contacts should be obtained and submitted to the company.

All incidents involving the insured vehicle must be notified to the Insurance Company immediately and in any event not later than 14 days.

There shall be no refund of premium on cancellation of or substitution of the motor vehicle insured under this policy.

You hereby irrevocably authorize us to act on all requests received by us on the platform and to hold you liable in respect thereof. We may nevertheless refuse to carry out any requests for change of vehicle registration details made in error or omission.

The company reserves the rights to repudiate liability where cover is taken in breach of the terms and conditions set our above.

For assistance, contact our Customer Care team on 0711-030155 and/or 0711-030800 or email us at bimatap@directline.co.ke.