Commercial General Cartage Motor Insurance

Goods on Transit INsurance

Royal Motor commercial/General Cartage Policy cover is aimed at proving unique motoring risks solutions to our clients. Our innovative policy provides tailor made cover to protect the motorists against the risks of theft, accidental loss of or damage to the motor vehicles. The cover also includes legal liability to third parties arising from use of the vehicle. This policy covers vehicles used for own use and commercial purposes.

Class of vehicles covered under this policy include Pick-ups, Lorries, Trucks, Prime movers, Tractors, Tours vehicles & Taxis.

At Royal Associates Insurance, we appreciate that delays in sorting out repairs for the Motor commercial vehicles could lead to immense loss of business and we have therefore made appropriate arrangements for the assessment and repair authority to be issued within 48 hours. Our Royal Motor Commercial policy carries an exceptionally high authorised repair limit to necessitate automatic repairs in respect of not so big damages. Our Motor commercial policy also carries a unique “ Cash benefit “ rider which the Insured could use to offset the Bank interest cost accruing during the period the motor vehicle is undergoing repairs covered by the policy.

Like the motor private policy, our Motor Commercial policy also carries unique riders and some of the key ones includes the following:

  1. Enhanced Third party property damage limit
  2. High limit for Windscreen cover that includes Wing mirrors
  3. Enhanced limits on Towing charges, Medical Aid and Radio cassette/ Music system cover
  4. Agreed value cover
  5. Free valuations
  6. Free personal Accident cover
  7. Capped excess
  8. No blame no excess
  9. Loss of use – Cash Benefit
  10. Compensation for forced ATM withdrawals following hi-jack
  11. Excess protector cover
  12. 24 hour road rescue /Assistance
  13. Emergency accommodation cover in case of an accident

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