This is WHY Your Insurance is NOT working for YOU! | CARNVERSATIONS

[@nicholasmuita4055]

I am on a journey to buy a car now 😂 ju wee! the rate I am watching hizi video zako nimebakisha pesa Tu Sasa because I am now we'll informed nishajua Hadi Ile insurance nataka.

[@prodbybry]

Kumbe it's not just me😂...kwanza vile naanza job Monday ni kujipanga tu plus i see myself working with Erick anyway ju he's proven to know his stuff💯

[@marangajunior5297]

Strong 💪

[@elimuraya9044]

Manze bakisha pesa tu🤣

[@nicholasmuita4055]

Aki pesa wewe🧐mahali nikupata hmmm

[@0727044583]

Hahahahaaa

[@tandoinsuranceagency9403]

@canversations in motor insurance, motor vehicles insured as private cars can be used for social, domestic, pleasure and own business. It is therefore not illegal to carry your own goods as long as they are within the load capacity of the vehicle.

[@CARNVERSATIONS]

Thank you for clarifying this, let me pin the comment tops for the rest of our followers

[@Kiky001]

@@CARNVERSATIONS pin it please, I almost missed it.

[@agentbro7064]

What is the appropriate insurance cover for a car hire vehicle given that it is driven by different people on a daily basis

[@tandoinsuranceagency9403]

@@agentbro7064 Motor Commercial PSV (Self-drive) is ideal for such a case

[@agentbro7064]

@@tandoinsuranceagency9403 thanks

[@kingbeautyke]

I don't know how came to know about educating us because we Kenyans we are lazy with books and stuff bt with carnvasation we are sorted... thank you Eric

[@kabbz]

Carnvasations never disappoint when it comes to information , keep up with the good work.

[@joengige4491]

When you carry your own goods, you do not contravene a Private car policy; e.g groceries, domestic items, or any items used for a personal nature etc.

[@RemingtonMwarabu]

I actually am just about to get an insurance, the assessor has mentioned hizo spacers (which I did not even know the car had!) So this video was meant for me

[@ian_oh]

A lot of overlooked information here, asante Erick and team. Maswali: 1. Does notifying the insurance company of other people using the vehicle impact the final premiums? 2. In the case of admission of liability, who is the final judge of the 'at fault' driver, the cop? 3. Watu hutoa karau wapi, say you are at a place where the station is a bit far, do people just wait or hope the nduthi guys will changamka?😄

[@elimuraya9044]

"...wacha tusikilizane..." Sadly this has been accepted as defacto when accidents happen. Thanks for the insights mate. 👍🏽

[@jameskamiru2841]

nice work this not just any other car channel. its very informative. na next time time please also talk about accessorizes za gari. juu policemen wanatusumbua sana was once stopped the guy was like iko wapi reflector jacket ????

[@davzbalian295]

😂😂😂😂

[@NduguSam]

Once you attain experience in driving, buy a car within your budget (depends on your income), go third party and use the extra cash you would have spent on comprehensive to secure and repair your car. Leave comprehensive to new drivers on the road, it is a rip off. They are expensive and majority of accidents are minor to warrant your time pursuing compensation, if at all you paid extra to cover excess.

[@stevemwaura7487]

wrong, repairs depend on the extent of damage, what you save on third party will not cover front damage that might require a nose cut, peace of mind is key here

[@Gkopolot]

This is bad advice, unless it's a bus/minibus

[@0R3WO]

ukijua venye hii channel imenijenga,,,siku hizi nashtua kijiji na materms na knowledge😂😂😂✊kwanza alluring nimeitumia leo😂😂😂anyways,,Thankyou for this💯

[@Nickkibs]

😂😂😂😂😂😂😂🙌

[@mungasimongachunji4123]

Thankyou! Ignorance ndo watu hukua nayo inalead time ya kuclaim na compensation museme insurance ni waizi.

[@johnesosano3445]

@Erick Wokabi, @Carnversations, good stuff. Please also do a video for Audi A3/ Vw Golf (GTI or Normal/BMW Xi and a bonus of Toyota Urban cruiser.

[@kelvinmuthaura2413]

So glad I stumbled upon this channel. Good job Erick 👏

[@skrevox]

Honestly hii Kenya afadhali TPO na ujue unatembea na Yesu. I have people who paid COMP for many years, the day you have an accident things become difficult. Mara you have to bribe police to write a favourable report. Mara you have to bribe the assesor. Mara they say your vehicle parts are not available in the market (especially German cars and Japanese Kei cars like the Alto) and they have a clause about 'unobtainable parts'. Mara your car has been in the garage for 8 months hata courtesy car iliisha. Mara the repair they did was shoddy and now your car is full of electrical problems because the 'nose cut' was done poorly. Just pay for TPO and keep that money in a savings account if you have an accident. Most of these 15M cars you see on the road like Land Cruisers are on TPO anyway.

[@skrevox]

Na TPO ujue unalipa ndio Cops leave you alone. If you have an accident dont even bother calling them.

[@Gkopolot]

Kwani where do you guys take insurance from? Rule 1, don't go to an insurance company directly, always use an intermediary, a good one. Insurance agents and brokers worth always ensure you get your money's worth in case of an accident Secondly, knowledge. Always know what you are getting into, and that's where many fall short. Hujui the details of what you have purchased

[@elsenorregad8926]

ericko we ni beast pande ya content. keep it up. Nilikua nataka mark x safi 2005 sijui ka unaeza nisaidia bro. alafu tuongeeze hii riba ya insurance

[@solacematrix2973]

kbt iko 2005

[@erickmwai779]

Good Content, my take has always been that you insure what you value. Most people do a lot of back research on the car they will eventually buy but they have no time to understand basic things about an insurance policy. actually these pple know the cheapest rates in the market than brokers or agents themselves, hence end up buying sticker to show policemen than to protect your asset......

[@benforester2621]

Woow thanx 4 that class session...4once haujadiss watu wa Nissan!!!

[@topnineshow]

A conversation that was long overdue! Thank you.

[@IamJemoh]

Even though am late, but I mist watch. Today you just covered exactly what I wanted to know about insurance! Good work Erick.

[@HonestDre]

Mnaeza ongea about upgrades and modifications kama izo spacers. Their advantages and disadvantages if any. Personally i love to see souped up cars although i fear that some aren't safe.

[@kimtim9231]

He should consider it to be topic by itself like a 30 mins detailed discuss

[@briannewoodz7842]

😂😂wooow thank you Wokabi it's a +1 for me sikuwa najua Mambo mob na insurance 👊

[@un-tell.by.maggiesdiy]

You, Sir, are a gem. This is great information. Bookmarking this niwe nikiji-update, and your availability for consultation is a life-saver for us.

[@martinagik1171]

Very insightful. Keep up the good work.

[@reine924]

Very educative content ! I didn't know that the car owner is required to inform the insurance company which people will be driving that car. I thought this was only applicable to either company owned cars or those with diplomatic plates

[@joangitonga9551]

The car owner (insured) is not required to inform the insurer who will be driving. Its not practical. In the event of a claim, the driver (if they are not the insured) must have been authorised by the insured to drive.

[@reine924]

@@joangitonga9551 Makes much sense. Thank you for the clarification.

[@geowa82]

When buying the policy, there is a part where you fill in details of who will be driving. But you pay more if you indicate more people other than yourself.

[@gythenya_njoroge7088]

I like this channel Caring for information that you never get anywhere

[@mrnjiru]

Amazing and Informative content,thanks alot.I just have a quick question,is it true that in the event of an accident and you have the Donut spare wheel/the tiny spare wheel the insurance doesn't compensate you?

[@Gkopolot]

They will pay. However for your own safety always use that tire as a temporary solution.

[@Palmerstechke]

Good content Erick. Nachukua notes polepole. 👍

[@abedndirangu8395]

You never disappoint, kindly fanya review ya golf mk7 I hear there is an issue with the gearbox.

[@brianmwirigi200]

Good content bro,to grow this channel you need to keep updating videos regularly,like two or thrice a week

[@eduhgraficx]

I didn't know that particular point about notifying the insurance company of any other person, especially spouse, driving the car.

[@isaiahnjagi8341]

Fantastic! This is very informative

[@carloskipsang3938]

Tuko tuned mbaya sana

[@KENYAROADSTOURUNCUT]

This has been very informative. Asante sana.

[@Judahasher]

Nice content thankyou.you mentioned types of commercial insurance kindly expound more.

[@ericmuthaurakoronya6663]

Keep up Erick.very educative.

[@muiruridexter]

Very insightful 💯

[@gideonmugo1465]

I didn't know a thing about vehicle insurance. Thanks for this content..

[@kenyantraveller1195]

Erick tudokezee ni nini mtu anafaa kuangalia before u take a car at the carhire please

[@ibrahimmuriithi7546]

Insurance can give you a proper character development

[@moejaytvthetopten1608]

Well informed now.kudos. still waiting for reviews on this german machines.

[@antomaths7297]

big up!! ukipata time chambua isuzu light truck kama isuzu npr vs Mitsubishi fuso

[@hkonohatsuma9420]

Always a big up for the time and legit info on your channel 🙌

[@faithmusoga653]

This is such useful information!!

[@masherick628]

Always insightful.

[@georgemururi8764]

Insightful information. Good work.

[@antonypaul5019]

I once paid ecces of 30k😒😒... Since then i no longer just buy insurance from brockers..... Most of car owners bora sticker iletwe niivo

[@ericohkinya2169]

Sasa kama mmi nko na gari iligongwa last year october hadi wa leo iko garage na ilikua under comprehensive cover

[@cwachira]

@ wokabi nice content. What are your thoughts on the Nissan bluebird?

[@rifathamoudi6165]

@Wokabi, thanks for the good content. Quick one. Which is better Crown 2010/11 or Mark X 2010/11

[@IamJemoh]

Good question @carnversations kindly do this

[@TheAstroguypasa]

Amazing content as always

[@elimuraya9044]

And about the new series dropping, unatupeleka Jerumani lini?😁 Still waitimg on the German machines to get below 1.5M (Personally, am intrested in the Audi A3 line). As always, great job mate👍🏽

[@patrickmuthengi8835]

I would like to get Toyota Prius 2014 or 2015 (4WD). Do you have one

[@antonykwamammboyi5806]

Very essential information 👏👏👏

[@CurtisAlbert]

Good one!

[@Bonamimo]

Please do a video on mitsubishi

[@murimimwihaki9691]

@carnversation, what class/kind of insurance do those self-drive cars for hire have?

[@tandoinsuranceagency9403]

Motor Commercial PSV (Self-drive)

[@EdAlexo]

Very informative

[@alfredokubo5516]

You have failed to explain 3rd party ins. to the nasty detail. If you are knocked by onother car your insurance will require you to do the following:- 1: Have your car assessed @ kshs 12,000/= 2: Use your resources and repair the damage 3: Re assess the repair @ 10,000/= Then submit all your costs for reimbursement. If that accident happens when you are broke then you are done. This happened to me with Trident insurance Co. I took in the lose and moved on.

[@automachineryblend44]

Come we cry here 😭😭 My Toyota sprinter was badly hit at the rear march, I followed that case until I surrendered and left everything to God.

[@catherinendinda7187]

I got an accident 2019 then nikapeleka case kotini bado insurance haikulipa na kesi imeisha last month

[@melvinmungai1062]

THANK YOU! NEW SUBSCRIBER after this video..

[@Goverken]

Thank you.

[@Foodforev]

Thank you so much

[@theplatonicent4265]

a very good job erick

[@techpiton]

Which insuarance cover is taken for car hire?

[@petermakaumutuku9150]

Time they take to pay is very important..

[@godzillla9494]

I have a question but haiko related to insurance.Mbona tusiweke alternator kwa a electric car ndio ikue ina charge the car .Then we can forget about kucharge the car

[@kariukindirangu6550]

The car uses up energy when moving so it can't recoup all the energy that was in the battery. Your best bet is regenerative braking, and even it only recovers a tiny portion of the energy originally in the battery.

[@Kagema10X]

Thanks man.

[@Sammy_777]

wow great content

[@alfredokubo5516]

The total cost through insurance was 37,000/=. I bought and replaced the entire door at a cost of 13,000/=. So 3rd party is not insurance.

[@jameskamiru2841]

all insurance companies are scum always looking for the a reason not to pay. imagine comprehensive insurance of 45000, when the car was stolen at mirema aki ya MUNGU WALIRUKA 4 years now case iko court. please lets read the insurance policy document we stop this joke of rushing things nkt.

[@davidkariuki8090]

Wisdom 👏🏽

[@bunjezwilson8589]

🤣🤣🤣🤣🤣🤣 hiyo insurance ya wazazi has always worked for most of us

[@TheeGideons]

Roysambu tuko ndaani ericko

[@chemosy]

The reason Excess is confusing is because of the names used. It's called deductible. Simple

[@Ochumbha]

Would you kindly do 6c vs 4c next if this comment find favor in your eyes! (Charlie from Tz)

[@cephtheobserver]

Umetaja story ya defrauding nikakumbuka yule Mp fulani msanii hapa kanairo.

[@big_brayo]

Directline assurance. Maumbwa, wezi🖕🏾🖕🏾🖕🏾🖕🏾

[@keymoneyification]

Anyone amemanage kulipwa na direct line after kugongwa na matatu? I was on 3rd party insurance

[@Gkopolot]

Let me tell you, sometimes I see the name of the insurance company on a sticker and I just start laughing. It says a lot about our ignorance. Some insurance companies I can't let them near my property, ata slippers zangu I can't let them insure Na kama ni TPO, please be aware that where you have caused damage/injury/death you can be sued jointly with the insurance company, and if you lose and insurance is dilly dallying the plaintiff come for you personally. There is a former NEP legislator akona na hio shida saa. Don't just take insurance from any company

[@Gospel_Revealed]

⚡️⚡️💪🏻

[@jameskariuki6162]

👊👊👊

[@JustineNyandika-pm3xl]

Insurance inalipa carelessness drivers

[@hopechelimoh7719]

Kabs👏

[@kareem99gaming43]

😂😂dereva ni yesu

[@letseat_254]

very informative