In a bid to protect motor vehicle holders against unexpected mechanical and electrical car failure, Kenya Orient launched the Orient Xtense automobile cover last year. According to the MD of Kenya Orient, Mr. Muema Muindi, this exclusive cover will only be provided to vehicles not more than 12 years old. According to most motorists, the Orient Xtense is one major way of reducing risks and saving more on motor insurance. While most manufacturers allow a limited warranty of one year, Orient Xtense is available to all vehicles which have not achieved a mileage of 200,000 kilometers. One advantage of the Orient Xtense product is that it can be purchased as a stand-alone policy. This means that you don’t need to switch your Comprehensive or Third Party, Fire and Theft policies from your initial insurer. There are three available plans: Platinum, Gold and Silver. According to most insurance firms, motor vehicle insurance is usually very costly due to past cases of fraud, accidents and write-offs. In the past, companies such as AIG Insurance stopped insuring certain vehicles such as BMW and Subaru due to increased cases of theft and write-offs. Kenya Orient Insurance director responded to these challenges stating that the company will try and mitigate those risks by performing a thorough inspection of all vehicles before issuing them with the Orient Xtense policy.
Also during the inspection stage, all private vehicles should undergo a further comprehensive inspection. This inspection comes with a waiting period of one month after which your vehicle is thoroughly inspected to safeguard against any possible lapses. The Orient Xtense doesn’t cover the entire vehicle. It only covers the mechanical and electrical areas of your automobile such as the gearbox, the engine and the cooling system. With this policy, newer vehicles ranging from 0—4 years will enjoy lower premiums as compared to older vehicles. The company further states that car owners will enjoy premiums as low as Ksh 10,000 which are far cheaper as compared to spending more money in a garage and end up losing your vehicle.