Tel. +255 762 100 008 | P.O. Box 173, Arusha – Boma Rd, Clock Tower


  • WHY US?

    We design plans to build a “wall of protection” based on your needs. We begin with a thorough risk analysis and evaluation. We then look for the most reputable and the strongest insurer who can offer us the best package in the most cost effective way.


  • Have Questions?

    Fill out the form below and someone will get back to you shortly. Or visit our office on Boma road.

  • Commercial Motor Insurance

    The range of commercial vehicles insured (and the associated risks) vary widely. 

    See the descriptions below for the types of vehicles and covers that are available for each.

    This covers all the carrying own goods (comprehensive), third party fire and theft, general cartage, and the third party only.

    In the insurance world the term motor cycle includes any kind of cycle propelled mechanically and includes mopeds, there are a wide range of risks as in motor vehicles.

    Standard cover

    The standard of comprehensive motor cycle policy is much the same as that of the private motor policy, therefore we need only to identify the main difference between the motor cycle policy and private policy.  And this can be explained in the following exceptions as below:

    • No cover provided for the theft of accessories or spare parts unless the motor cycle itself is stolen at the same time.
    • There is no personal accidents benefits, medical expenses or personal effects cover.
    • The liability section general indemnifies the insured or his personal representatives in the event of the insured death, if others are permitted to drive the motor cycle then would also be indemnified as would users of motor cycle for social and pleasure purpose.

    This covers all the comprehensive package and third party premium package for all the public taxis, private hire, tour operators, and buses- daladala within city, buses- up country, buses- private, and buses for schools.

    The only difference for the comprehensive coverage for this with the private vehicles is that the motor parts attached or detached the claim will be adhered too in the private vehicles, but for the commercial vehicles you’re paid only when the parts were stolen while attached to the vehicle.

    Since a trailer can be pulled by different trucks, they carry independent insurance. Cover can be Comprehensive or Third Party insurance depending on the age of the trailer, over or under 10 years old.

    This also includes the comprehensive, third party fire and theft, and the third party only cover; it covers all the steel tankers below 10 years, aluminium tankers below 10 years, and tankers over 10 years old.

    But also the insurance cover the towing of trailers under third party liability section of the policy as in the trailers as explained above.

    This covers all the comprehensive and third party premium for all the special vehicles such as the farm tractors, forklifts, graders, cranes, excavators, and the ambulances.

    This covers all the carrying own goods (comprehensive), third party fire and theft, general cartage, and the third party only.

    It covers any loss of damage to the vehicle and its spare parts and accessories while they are on the vehicle, in contrast to private vehicle there is no cover for spare parts and accessories while they are detached from the vehicle.

    The range of cover available for commercial vehicles is the same as private motor and motor cycle except of the below discussed differences;

    • Driving other vehicles, even in respect of good the range of vehicles is so extensive that insurers do not want to encourage the insured or their employees to drive other vehicles under their policy.
    • Personal benefits, personal accident benefits medical expenses, personal belongings and clothing are not covered under commercial policy.
    • Loading and unloading, cover in respect to third party liability also applies to accident occurring during loading and unloading the vehicle. In case of the driver or attendant this extend beyond the boundaries of the carriage way.
    • Indemnity to driver, generally anyone may drive the vehicle on the order or with the permission of the insured.
    • Indemnity to user, the insured may allow someone to use the vehicle for social domestic and pleasure purpose , though they may not be necessarily actually driving.
    • Indemnity to passengers, this cover liability to passengers for their negligent acts.
    • Legal costs, insurance provide cover for certain legal costs.

    The risks associated with motor vehicles include:

    • Loss of part or the whole vehicle due to fire, theft or damage.
    • Damage to third party property.
    • Injury to the third party.
    • Death/disability to third party.
    • Medical expenses.
    • Loss of income following an accident (loss of use).
    • Legal costs to defend a claim

    Requirement For Obtaining Insurance:

    (For Third Party, Third Party Fire and Theft and Comprehensive)

    • Vehicle registration card – that will provide most of the general info needed like:
      • Name of insured
      • Address of insured
      • Type and details of vehicle the vehicle
    • Value of the vehicle – for Comprehensive and TPFT covers

    Coming Soon

    No liability for loss/damage caused,

    • Outside the geographical area.
    • Vehicle is used by unauthorized driver.
    • Losses due to war and allied perils.
    • Radioactive contamination and explosive nuclear assembly
    • Riot and civil commotion
    • Sonic bangs (that is pressure waves from sonic/supersonic aircraft or other aerial device)
    • Pollution and contamination unless arising from a single identifiable event.