Zero Excess Option — Motor Vehicle

  1. What does zero excess mean to me as a client?
    • This means that if you choose the zero excess option, you don’t have to pay any basic or voluntary excess. This ultimately means that ESRIC will settle your claim in full.
    • In the event of an accident, the policyholder is charged an amount of money to cover part of the damage cost. But now, when your insured vehicle is in an accident and a claim is submitted to ESRIC, you have an option of either paying the stipulated policy excess or you can choose NOT to pay any excess at all.
  2. Which insurance classes are included in this offer?
    • The zero excess policy is only available to the private motor cover as an optional extension.
  3. If I already have a comprehensive motor cover policy, what do I do if I want to add this option?
    • If you are a direct client to ESRIC, you only need to send an email to instructing us to change your policy to the zero excess option.
    • If you insure through a broker or a corporate agent, you can forward the instruction to your contact person.
  4. Can I add this extension any time of the year?
    • Yes. Mid-term policy changes are allowed. You can add this option at any time of the year.
  5. How is my premium affected when I choose the zero excess option?
    • This option comes at a nominal additional premium depending on the value of your vehicle. For example, a vehicle worth E200 000, you will pay an additional premium of E55.oo per month or E660.00 per year. To get a comprehensive quote, contact your broker or email to .
  6. How long do I have to wait for this to be applicable?
    • There is not waiting period
  7. If I choose the zero excess option now, is it possible to switch back later?
    • Yes. You can switch back to basic and /or voluntary excesses at any time. You will be allowed to change.
  8. What if I am claiming on for a third party and the accident was my fault, does the zero access apply?  
    • Yes it does. All claims under your private motor will be treated under the zero excess regardless of whom the fault or course of accident is.