Bullcrap! Ati, u meet 50% of the costs!
And the battery is covered under theft (not sure if it is an extra item as far as excess is concerned) but report the theft to the same thieves at the cop station...

What is Kenya coming to? Even cop stations are not 'safe'?

These insurance guys just want to eat premiums bila kufanyia kazi! Kubaff!

If you are not driving a new car, this guys refuse to pay for new parts. I have learnt my lessons. If you put new parts in your car and you have an accident, please take the cash in lieu of repairs option. My insurance Heritage paid 56 K for repairs and I had to replace all that was fixed at a cost of 120K as the replacement were not satisfactory.

@euge thanks for highliting this. @ VVs ..more common than you'd expect
I had a simmilar experience following an incident on thika road, Car was not so badly damaged and was driven to ruiru police. By the next morning all extras were gone: spare, face, jerk, batt and even mats.
Of course the insuarance (Lion) didnt pay despite me having a no excess policy.
As for the police...lets just say i was glad to get my abstract and hitail it out of there (incidentally had to go all the way to former CID HQ to get)

Thank God worse happens---car computer missing. yeah. gues u new driver coz every time your car gets towed u MUST insist in
@ influencing where it is parked- in public view to deter theft of parts as u sort papers.
OR
Ensure u remove
-battery, -Spare wheel, -Jack, -Personal effects, Sound Sys,

I insure with them and had an accident last sep - . search thread. They paid everything including towing. So just read your policy. But i gave them sh*t probably even their tea gal knows kwanini. Ni siku ya kwanza na hamjatuma assessor, kwanini? Kwanini mko na this type of garage on your list?? Kwanini ??
Anyway they are nice chaps particularly IF U CAN READ ua policy mbele nyuma juu na katikati. The best part was getting a write-off cheque under 30 days flat. Who else can match this??? Between Heritage na UAP, UAP is the king from personal experience on payment of claims.Read u a policy this is where all your answers are.It also covers obsolete and hard to get parts, and what happens- kwanini unatumia broker bwege??? hii ni kazi yake...
There are clauses to cover new parts being put on an old car> unalipa.. Your broker should get a written overrider for such clauses!!!

Plus.... forgive my ignorance, but a no excess policy? Please clarify... I must admit am as green as SK in this area.

I am considering insuring my car with UAP. A broker mentioned 4% of the value. Someone mentioned that I should consider APA instead since they do not demand excess plus they give a car for 10 days as you await yours to be repaired. Any experiences with APA?