{"product_id":"bus-taxi-full-third-party","title":"Bus \u0026 Taxi Full Third Party","description":"\u003ch2\u003eThird Party Cover for Bus \u0026amp; Taxi Operators\u003c\/h2\u003e\u003cp\u003eRunning a bus or taxi service means carrying passengers every day — and with that comes significant liability. This policy provides the mandatory third party cover required for public service vehicles (PSVs) in Zambia, protecting your business from costly claims arising from accidents on the road.\u003c\/p\u003e\u003ch3\u003eCoverage Details\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eProperty damage limit:\u003c\/strong\u003e K30,000\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePersonal injury per person:\u003c\/strong\u003e K66,700\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePersonal injury per event:\u003c\/strong\u003e K133,400\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eWho Needs This?\u003c\/h3\u003e\u003cp\u003eThis policy is designed for \u003cstrong\u003ebus operators, minibus owners, and taxi operators\u003c\/strong\u003e — anyone operating a public service vehicle (PSV) for passenger transport in Zambia. Third party insurance is a legal requirement for all PSVs and is typically required for licensing and roadworthiness certification.\u003c\/p\u003e\u003ch3\u003eCoverage Period Options\u003c\/h3\u003e\u003cp\u003eChoose the period that fits your operating schedule:\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003e1 Quarter (3 months)\u003c\/strong\u003e — Short-term cover for seasonal or contract routes\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e2 Quarters (6 months)\u003c\/strong\u003e — Mid-year cover for ongoing operations\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e3 Quarters (9 months)\u003c\/strong\u003e — Extended cover for longer operating periods\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e4 Quarters (12 months \/ Annual)\u003c\/strong\u003e — Best value; uninterrupted cover for a full year of operations\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e💡 \u003cem\u003eAnnual cover is strongly recommended for active PSV operators — it avoids coverage gaps that could ground your vehicle and disrupt your income.\u003c\/em\u003e\u003c\/p\u003e\u003ch3\u003eHow It Works\u003c\/h3\u003e\u003col\u003e\n\u003cli\u003e\n\u003cstrong\u003eSelect your coverage period\u003c\/strong\u003e — Choose 1 to 4 quarters based on your route schedule.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eComplete payment\u003c\/strong\u003e — Pay securely online via your preferred method.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eReceive your policy\u003c\/strong\u003e — Your policy document is issued within 24 hours.\u003c\/li\u003e\n\u003c\/ol\u003e\u003ch3\u003eFrequently Asked Questions\u003c\/h3\u003e\u003cp\u003e\u003cstrong\u003eWhat does third party cover for buses and taxis?\u003c\/strong\u003e\u003cbr\u003eIt covers damage your vehicle causes to another person's property and bodily injury to third parties (including pedestrians and other road users). It does not cover damage to your own vehicle or injury to your passengers under this policy.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eIs this cover mandatory for PSVs?\u003c\/strong\u003e\u003cbr\u003eYes. All public service vehicles in Zambia are legally required to carry at least third party insurance. It is also typically required for RTSA licensing and fitness certification.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eDoes this cover my passengers?\u003c\/strong\u003e\u003cbr\u003eThis is a third party policy and does not include passenger liability cover. Contact us if you require a policy that includes passenger protection.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eHow do I renew?\u003c\/strong\u003e\u003cbr\u003eReturn to this page before your cover expires, select your next period, and complete payment. Your renewed policy is issued within 24 hours.\u003c\/p\u003e","brand":"ZSIC General Insurance","offers":[{"title":"4 Quarters","offer_id":49063712719139,"sku":"","price":800.0,"currency_code":"ZMW","in_stock":true},{"title":"3 Quarters","offer_id":49063712686371,"sku":"","price":650.0,"currency_code":"ZMW","in_stock":true},{"title":"2 Quarters","offer_id":49063712653603,"sku":"","price":500.0,"currency_code":"ZMW","in_stock":true},{"title":"1 Quarter","offer_id":49063712620835,"sku":"","price":300.0,"currency_code":"ZMW","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0895\/5287\/9907\/files\/bus-taxi-full-third-party.png?v=1773657884","url":"https:\/\/bn-insurance.site\/products\/bus-taxi-full-third-party","provider":"BN Insurance Agency","version":"1.0","type":"link"}