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What Is Insurance Excess in Kenya and Why It Matters Before You Claim

What Is Insurance Excess in Kenya and Why It Matters Before You Claim

What Is Insurance Excess? Excess is the amount of money you (the insured) must pay out of pocket before the insurer covers the rest of the claim. Example: Let’s say your car repair bill is KES 100,000 and your policy has a KES 10,000 excess. You’ll pay the first 10K, and the insurer pays the remaining 90K.Why Does Excess Exist? It’s there to: - Prevent small or fraudulent claims - Encourage careful driving or property maintenance - Keep insurance premiums more affordable Types of Excess in Kenya: 1. Standard Excess – Fixed amount stated in your policy 2. Voluntary Excess – You can choose to pay more out of pocket to lower your premium 3. Young/Unlicensed Driver Excess – Higher charges for drivers under 25 or with less than 2 years’ experience 4. Theft/Fire/Accidental Damage Excess – Applied based on incident type Can I Avoid Paying Excess? Yes—with Excess Protector Cover. An excess protector is an optional add-on, meaning you don’t pay excess during a claim.It’s invaluable for: - High-value vehicles - Commercial use vehicles - First-time or low-income policyholdersImportant Tip: If you’ve never claimed in several years, some insurers may waive excess or offer No Claim Discounts (NCDs). We’ll advise you when this applies.In Summary: - Excess is what you pay first during a claim - It helps keep premiums low - You can protect yourself with an excess protector - Vike will always explain what applies to your cover Have questions about excess or want to protect your policy? Talk to a Vike advisor now to ensure you’re not caught off guard when it’s time to claim.

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