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COMESA PTA Yellow Card

The Yellow Card is an equivalent of a policy of insurance recognised as a valid motor insurance certificate and evidence of a guarantee to provide the compulsory minimum insurance cover required by the laws of the participating states party to the Scheme, in which accidents have occurred in respect of vehicles from other member countries.

The third party motor vehicle insurance scheme, otherwise known as the Yellow Card, is a regional insurance card system recognised by participating states party to the yellow card scheme as evidence of guarantee in compliance with the national laws or regulations governing liability in respect of motor vehicle accidents.

The Card is standard and uniform in appearance throughout the Yellow Card Scheme region so that it can be readily identified and accepted as a certificate of insurance at border posts.

Participation In The Scheme
The Scheme operates between the participating states that have fulfilled the requirements for implementation of the scheme and have signed the Inter-Bureaux Agreement and the Constitution on the Establishment of the Yellow Card Reinsurance Pool.
The current participating states of the Scheme areDjibouti, Burundi, Dr Congo, Egypt, Eritrea, Ethiopia, Libya, Kenya, Malawi, Rwanda, Sudan, Swaziland, Tanzania, Uganda, Zambia & Zimbabwe.

Policies Applicable
The types of motor insurance policies applicable for the Yellow Card cover shall be:
o Private Car,
o Motorcycle, and
o Commercial Vehicle insurance policies.

Scope of Cover: The Minimum Compulsory Cover
The Yellow Card shall provide the minimum compulsory third party motor vehicle liability Insurance cover, as required by the law in force in the territories of the participating states in the Scheme, when the vehicles insured are transiting or visiting such other territories.
In participating states where motor third party liability is not compulsory by law, the Yellow Card Scheme shall correspond to the Motor Liability Insurance Cover on the Motorist in accordance with the laws and regulations in force in the country where the accident occurred.

The prime policy should be endorsed to reflect that a Yellow Card cover has been issued under the concerned prime policy.

Third Party Property Damage Cover
The Scheme shall provide additional cover to include liability for motor third party property damage,when the vehicles insured are transiting or visiting the territories of other participating states where liability for third party property damage is not compulsory subject to the following maximum limits of liability payable:
Private Car/Motor Cycle– US $5,000 any one claim or series of claims arising from any one event; and
Commercial Vehicle– US $30,000 any one claim or series of claims arising from any one event.

Additional Cover: Emergency Medical Expenses Benefit
The insurer shall, subject to the limit of indemnity, pay to the insured reasonable emergency medical expenses incurred in connection with any bodily injury by accidental, violent, external and visible means sustained by the insured or his driver or any occupants of the vehicle (as specified in the prime policy and Yellow Card) as a direct and immediate result of an accident to the insured motor vehicle while transiting and/or visiting the territories of other participating states which are parties to the Yellow Card Scheme.

Premium Applicable for TPO PTA Policy (Kenya Shillings, KShs.)
a) Risk Premium
The current applicable minimum Annual premiums are as stated below:
o Commercial Vehicles Annual Premium 10,000/=
o Saloon Car / Private Car Annual Premium 7,500/=

Applicable Short Period Charge;
Upto 1 Month 30%
Upto 2 Months 40%
Upto 3 Months 45%
Upto 4 Months 50%
Upto 5 Months 65%
Upto 6 Months 70%
Over 6 Months Full Premium shall be charged

Minimum Premiums
Minimum premium for Saloon Cars / Private vehicles KShs. 2,250/=
Minimum premium for Commercial vehicles KShs. 3,000/=

b) Medical
The charge is 400/= per person regardless of the period, however the driver of the motor vehicle is covered by default.
NOTE:An additional charge of KShs. 1,000/= will be incorporated being the cost of the Yellow Card

When an accident occurs in a country which is party to the Scheme in which a holder of a Yellow Card is involved and which may give rise to a claim against the policy holder, the National Bureau in that country in which the accident has occurred shall be notified and shall handle the claims on behalf of the issuing bureau so long as the authenticity of the Card has been established.

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