Full third party
- Motor insurance is compulsory for motor vehicle owners and third party is the basic (least) cover a motorist can have. It covers liability for death or bodily injury to third parties including third party property damage through your fault.
- Premium and cover limits are gazetted by the Government.
- In the event that one crash into another car or someone else’s property, FBC will pay for the damage to the other car or property.
- Cost of repair or replacement of the third party’s damaged property.
- This policy covers only the amount for which you are legally liable to a third party if your vehicle is involved in an accident.
Requirements when registering
- Full name of the insured
- National identification number of the insured
- Date of birth of the insured
- Physical address
- Cellphone number of the insured
- Email address of the insured
- Period of cover
- Make and model of the vehicle
- Registration number (if available)
N.B: cover note which needs to be affixed to your vehicle’s windscreen, will be printed when you obtain ZINARA license disc.
Definition of wording
- Accident – unforeseen event or occurrence
- Contract – an agreement made by two or more parties with the intention of creating a legal obligation between them.
- Cover – the protection provided by insurance.
- Cover note – temporary evidence of granting of insurance
- Damage – to injure, harm or cause destruction
- Insurance – means of compensation if any accidental misfortune happens.
- Liability – claim upon one’s assets by another person.
- Third party – person who is not a party to the contract
- Premium – money paid to the insurer in exchange for insurance protection
- At the occurrence of an accident, do not admit guilt or liability.
- Inform third parties that your insurance company is handling the matter.
- Do not pay a deposit or admission of guilt fine or attempt to compromise a settlement without consulting the Insurer.
- Notify the Police within twenty four hours and obtain a copy of the police report.
- Record details of the other vehicle, the owner/ driver, witness and if possible draw a plan of the accident scene.
- Please notify our nearest branch as soon as reasonably possible but in any event within 30 days of any incident which may result in a claim. Do not wait until a letter of demand or a summon is issued.
- Submit to Jet stores fully completed claim form, copy of driver's license and a police report (incomplete forms will be returned).
- Consequential loss of any kind.
- Unlicensed drivers.
- Driving under the influence of alcohol/ drugs.
- Late submission of claims could result in repudiation on the grounds of late notification.