Our Dhahabu cover is designed to suit owners of commercial motor vehicle. Dhahabu protects you against loss arising in the event of motor vehicle accident, damage or theft. This cover will also protect you against liability from third parties in the event of an accident.

You can choose one of two comprehensive cover options namely:

  • Dhahabu Standard
  • Dhahabu Superior.
  • Minimum premium starting from Kshs 25,000
  • Windscreen/ Glass Cover
  • Entertainment Unit Cover
  • Towing charges (Breakdown Services)
    Authorized Repair
  • Emergency medical expenses for pedestrian /passenger, driver and loader following an accident (subject to an admissible claim under the policy)
  • Security services per event following an accident (subject to provision of receipts from a reputable security firm)
  • Political Violence & Terrorism Extension
  • Alternative accommodation for driver & loader following an accident for the first night (subject to provision of receipts)
  • Excess protector: 5% of the truck value
  • Personal Accident for death and permanent total disability (For Driver & Loader)
  • Free Vehicle Valuation
  • Minimum premium of Kshs 25,000
  • Windscreen / Glass Cover of Kshs 30,000
  • Entertainment Unit Cover of Kshs 30,000
  • Breakdown Services (towing charges) up-to Kshs 30,000
  • Authorized repair – Kshs 50,000
  • Emergency medical expenses cover for pedestrian /passenger, driver and loader following an accident (subject to an admissible claim under the policy) Kshs 30,000
  • Political violence & Terrorism extension of 0.5% of the car’s value (Minumum of Kshs 5,000)
  • Alternative accommodation following an accident of up-to Kshs 10,000 (subject to provision of receipts)
  • Excess protector of 0.5% of the car’s value (Excess is free for 5% of the truck’s value and for a minumum of Kshs 5,000)
  • Personal accident cover for death and permanent total disability (For Driver & Loader) of up-to a limit of Kshs 250,000
  • Free vehicle valuation
  • Minimum premium of Kshs 50,000
  • Windscreen / Glass Cover of Kshs 50,000
  • Entertainment Unit Cover of Kshs 50,000
  • Breakdown Services (towing charges) up-to Kshs 50,000
  • Authorized repair – Kshs 75,000
  • Emergency medical expenses cover for pedestrian /passenger, driver and loader following an accident (subject to an admissible claim under the policy) Kshs 50,000
  • Security services per event following an accident (subject to provision of receipts from a reputable security firm) of up to Kshs 5,000
  • Political violence & Terrorism extension covered
  • Alternative accommodation following an accident of up-to Kshs 10,000 (subject to provision of receipts)
  • Excess protector is covered (Excess is free for 5% of the truck’s)
  • Personal accident cover for death and permanent total disability (For Driver & Loader) of up-to a limit of Kshs 250,000
  • Free vehicle valuation

Why buy Dhahabu Motor Commercial Cover?

Resolution Insurance offers a range of products on comprehensive motor commercial insurance covers with optional benefits and insurance limits encompassed in 2 optional products namely Dhahabu and Dhahabu Superior. Dhahabu products offer the following exciting benefits:

  1. Loss or damage
    We will pay for the loss of or damage to the vehicle(s) or accessories and spare parts while in or on the vehicle where the loss or damage occurs as a result of road accident, overturning, theft among others.
  2. Loan Financing
    Dhahabu Superior provides for payment to the financier in the case where the vehicle(s) are under a financing arrangement which we have noted in this Policy and has been disclosed in the application.
  3. Protection, Recovery and Removal after accident
    Resolution Insurance will pay the reasonable cost of protecting, recovering the vehicle and moving it to the nearest repairer or safe place if as a result of any loss or damage the vehicle cannot be driven.
  4. Authority to Repair
    You may authorize the repair of the Vehicle necessitated by damage for which we may be liable provided that the cost of such repair does not exceed the limit provided in the policy and supporting documentation is submitted.
  5. Emergency medical expenses
    Resolution Insurance will pay for medical expenses for a pedestrian/passenger, driver and loader following an accident (subject to an admissible claim under the policy)
  6. Personal Accident Cover
    Resolution Insurance with pay for death and/or permanent total disability (For Driver & Loader) in the event of a road accident or named event in your policy document.
  7. Political Violence & Terrorism Cover
    Dhahabu motor covers for loss or damage due to political violence and terrorism subject to the terms defined in your policy document.
  8. Alternative accommodation
    Resolution Insurance will pay/reimburse expenses for alternative accommodation for driver & loader following an accident for the first night (subject to provision of valid receipts)

Additional Information
Also offered are:

  • Third party, fire and theft:
  • Third Party:

We cover vehicles being used in Kenya. In the event that you would like to use your vehicle to travel across the Kenyan border, a COMESA Yellow Card will be issued to enable us to cover your vehicle on 3rd party liability as per the COMESA Protocol.

Additional Benefits for Dhahabu Superior at Extra Charge

  1. Loan repayment
    • In the event the vehicle is grounded for repairs after an accident:
    • Excess of 30 days: rate 11% of monthly loan installment
    • Excess of 60 days: 9% of monthly loan installment

    The loan repayment period is for duration of up to 3 months

  2. Carriers Liability
    Loss or damage to goods or merchandise held by insured in trust or on commission following an accident.
  3. Loss of income / Consequential loss
    The cover allows a sum assured to be paid to truck owners to compensate for loss of income once the trucks are involved in an accident and remains in the garage beyond the specified period while under repair. (In excess of one month)
  4. WIBA (2007)
    Covers the legal liability under the Work Injury Benefits Act following death or bodily injury to the driver and or loader in the course of duty
  5. Employers liability
    Covers legal liability in the event of death or bodily injury to the driver and /or loader in the course of duty and directly related to negligence or breach of common law or statutory duty by the employer
  6. Excess waiver
    10% of own damage excess
  7. Fleet management
    This service will enable the owner to monitor vehicle usage and get real time and historical information on the vehicle
  8. Theft Excess
    In case the insured vehicle is stolen, The amount that will be paid by Resolution Insurance will be less 10 to 20% of the sum insured or the value of the vehicle before the loss, whichever is lower depending on whether the vehicle is fitted with anti-theft and/or tracking devices.

In the event of a motor vehicle accident, damage or theft to your car, take the following steps to make a claim:

  1. Report the accident at the nearest police station and obtain an abstract;
  2. Notify Resolution Insurance of the accident by calling us on; telephone: +254 20 2894 000, mobile: +254 709 990 000, +254 730 199 000 or by emailing us at GBClaims@resolution.co.ke or you can visit us at the branch near you.
  3. You can download the claim form from our website at http://www.resolution.co.ke/products/motor-covers/ and fill in the requested information.Kindly attach the following documents:
    • The abstract form filled in at the police station;
    • A copy of the drivers license;
  4. Our claims team will contact you for further advise or enquiries;