WHAT HAPPENS IF A RIDER DOES NOT HAVE A MOTOR THIRD PARTY?

Kibwetu has been working continuously for the last three weeks to finish a deal for his company. He has been leaving home at 5am and going back past midnight. Because of this, last night he started dozing off while driving. He then accidently knocked a ‘boda boda’ man who was carrying two university girls.

Upon the police being called, it was found that Kibwetu’s third party insurance had expired two days ago. He tried to explain that he had been so busy and forgotten to pay for the third party insurance and should at least be forgiven. What should be done to Kibwetu?

WHAT DOES THE LAW SAY?

Third-party insurance is a form of liability insurance that covers you when someone makes a claim against you for damages. For instance if a vehicle driver knocks a fellow driver or a boda boda cyclist.

According to the law, apart from government vehicles, all vehicles must have third party insurance which must be renewed every 12 months before it expires.

This means that if your third-party motor insurance expires on the 30th of July, then you should renew it before 30th July. If you however do not renew the insurance before this time, then you can be charged for driving a car without third party insurance and you could face imprisonment for up to 2 years, a traffic penalty or both.

Therefore, because Kibwetu did not pay the third-party insurance, he may be charged for driving a car without third party insurance and you could face imprisonment for up to 2 years if he is found to be guilty. It is therefore advisable that if you have a vehicle, ensure that you keep checking on when your third party insurance expires otherwise if you get an accident, you could be charged and if found guilty, you could even be Imprisoned.