Motor Insurance

What it covers

• Third-party injury and death, required by law in Tanzania
• Damage to other people’s property
• Accidental damage to your own vehicle (comprehensive cover)
• Theft of the vehicle, and fire
• Windscreen damage, where included
• Business fleets on one policy

Who it’s for

• Private car owners
• Businesses with company vehicles or fleets
• Commercial and goods vehicles
• Motorcycle owners

Important limitations

• Third-party only cover does not pay for your own vehicle
• An excess usually applies to each claim
• Unlicensed or impaired drivers are excluded
• Use outside the policy’s stated purpose is excluded
• Wear and tear and mechanical breakdown are excluded

Third-party cover is compulsory for vehicles used on Tanzanian roads (Motor Vehicles Insurance Act, Cap. 169). Cover, limits and exclusions vary by insurer and policy.

How Gwen supports you

Gwen oversees service delivery end to end, from claim process management to daily service operation management, by:

• Handling daily client queries, especially those raised at service access points such as garages
• Coordinating communication between you and the insurance company on a day-to-day basis
• Passing on feedback from the insurer to you as scheduled
• Assisting with the preparation of claims documents and the interpretation of policy documents
• Taking part in the appointment of loss adjusters and liaising with those appointed to adjust a claim
• Settling and negotiating claims, and preparing briefs for arbitration and litigation support where needed
• Advice and assistance with salvage disposal and repairs