MOTOR INSURANCE

We provide the three kinds of motor insurance coverage listed below:

Third Party: Provides coverage for property damage and bodily injury to third parties resulting from auto accidents. This includes unrestricted culpability for the death or bodily harm of third parties.

According to the Motor Insurance Act, this is the minimal coverage needed for any kind of vehicle. There is no cash of any kind given to the policyholder’s car. An outsider

Fire & Theft: Coverage includes coverage for property damage, theft, fire, and bodily injury to third parties. For automobiles that are not exposed on the road, this cover is advised. Comprehensive: Incorporates coverage for property damage to the insured vehicle, third-party liability, fire, theft, and accidental damage. It is the broadest cover that is offered.

 

Motor Insurance Classes Covered

1.  Classes covers under our Motor Insurance covers:

      2.  Private Cars

      3.  Motor cycle / 3-wheelers

      4.  Commercial Vehicles

      5.  Passenger Carrying ( Taxi, Tour, Daladala, etc.)

      6.  Special Type Vehicle (Farm Tractors, Forklifts, Excavators, etc.

 

Risks that our motor insurance policy does not cover include:

1. Own death or injury

      2. Damage to tires unless the motor vehicle is also damaged

      3. Consequential Loss/ Depreciation/ Wear and Tear

      4. Loss outside the geographical area

      5. Loss due to cheating

      6. Influence of alcohol

      7. Use of motor vehicle for an unlawful purpose

     8. Damage caused by overloading/strain

The risks not covered under our motorcycle insurance are:

1. Loss of personal effects
2. Personal accident cover
3. Use in connection with a motor trade
4. Racing
5. Use for carriage of passengers for hire/reward
6. Consequential loss
7. Loss/Damage to accessories/ spare parts by theft unless the motorcycle is also stolen
8. Damage to tires
9. Depreciation Wear and Tear
10. Mechanical and electrical breakdowns
11. Loss of use

Coverage requirements are:

• Duly Completed Proposal Form
• Registration Card
• List and breakdown of additional improvised items to be covered, with value separation ( Radio, Rim Tyre, etc.)
• Driving License or Valid NIDA ID
• Pre – Inspection Photo of the insured vehicle
• Premium Payment

If you would like to file a claim, please call us at +255 762 616 864, send us an email at claims@heritageinurance.co.tz, or stop by the branch that is closest to you.

Minimum Conditions for ClaimsPlease make sure you have the necessary paperwork before filing a claim: