When most Kenyans take out a comprehensive motor insurance policy, they drive away with a sense of relief. After all, “comprehensive” sounds like it covers everything, right? Unfortunately, that’s where many car owners get it wrong.
Here’s the truth: your comprehensive cover protects your car — not you and your family members.
This surprising gap leaves countless drivers and their loved ones financially vulnerable in the event of an accident. The good news is that there’s an easy fix — Personal Accident Cover, a rider you can attach to your comprehensive policy to safeguard yourself and those you care about most.
Why Comprehensive Cover Isn’t Enough
A comprehensive motor insurance policy generally takes care of:
- Damage to your own vehicle.
- Damage caused to third-party vehicles or property.
- Theft, fire, or loss of the car.
- Injury or death to third party persons
But here’s the catch: if you, the policyholder, suffer injuries (or worse) in an accident, the policy does not automatically provide compensation. The same applies to your immediate family members who may be riding with you.
In other words, your car may be fully protected, but your life and your family’s well-being are left unprotected.
Enter Personal Accident Cover
A Personal Accident (PA) Cover rider is designed to fill this critical gap. By adding it to your comprehensive motor insurance, you ensure that in case of an accident:
- Medical expenses are covered for you and your family.
- Compensation is provided for temporary or permanent disability.
- Financial support is given to your dependents in the unfortunate event of death.
This rider transforms your car insurance from just protecting a vehicle to protecting the very lives inside it.
Why It Matters More Than Ever
Road accidents remain one of the leading causes of injury and loss in Kenya. For families, the aftermath often means hefty hospital bills, lost income, and emotional stress. Without a PA cover, these costs fall squarely on your shoulders.
Think of it this way: you wouldn’t buy a car without seatbelts — so why buy motor insurance without a safety net for your loved ones?
Affordable Peace of Mind
One of the most common misconceptions is that adding a PA rider is expensive. In reality, the cost is surprisingly affordable compared to the benefits it brings. For a modest premium, you can secure coverage for yourself, your spouse, and your children.
It’s a small investment that delivers priceless peace of mind — knowing that if the worst happens, your family will be financially supported.
How to Get Started
At Ferrum Insurance Ltd, we make it simple to customize your comprehensive motor insurance with a Personal Accident Cover rider. Our team will help you:
- Assess the right level of coverage for your family.
- Compare affordable options tailored to your needs.
- Seamlessly add the rider to your existing or new policy.
The Bottom Line
Your car is valuable — but nothing is more valuable than the people inside it. Comprehensive motor insurance without a Personal Accident rider is like locking your house but leaving the windows wide open.
By adding this simple yet powerful rider, you’re not just insuring your car — you’re insuring your life and the lives of those who matter most.
At Ferrum Insurance Ltd, we’re here to help you close the gaps and drive with complete confidence.
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