Comments on: Car Insurance Coverage in Zambia | Guides & Types

By: Lukwesa Mubanga

Lukwesa Mubanga — Sat, 15 Apr 2017 06:36:13 +0000

i have a question what does it benefit you, when you pay insurance and non of those happen, I see adverts on these South African companies, that after covering your vehicle without any claims for a specified period, they pay you a good sum, or if you are on third party, the more you pay and no incidence, the cover is given to you. But for our companies, I have not seen this.

By: Kanji

Kanji — Fri, 14 Apr 2017 15:21:28 +0000

In reply to ….

Any damage by riot, strike and civil commotion are not covered in Zambia.

By: ...

... — Fri, 14 Apr 2017 14:00:08 +0000

The initiative to talk about protecting oneself against legal liabilities of causing loss or damage to third parties’ property and injury to third party and passengers is good one but the article is full of misunderstanding the concept scope and type of products available in Zambia.
1. Comprehensive Insurance (not the way explained by the writer)
2. Full Third Party, Fire and Theft
3. Full Third Party
4. Act only (only injuries to third party covered)
5. Excess Protection
6. Loan protection (various forms)
7. Terrorism
8. Full Third Party and Theft only
9. Full Third Party and Collision only Cover

Author seems to be a novice in motor insurance. All insurance companies in Zambia DO NOT provide Riot, Strike and Civil Commotion cover under Comprehensive. One has to pay an…