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Get the best Car Insurance Quotes in Kenya | Vehicle Insurance
Get Peace of Mind with Our Motor Insurance Plans
Motor vehicle insurance provides essential financial protection for you and your vehicle. Compare the available plans from the best insurance broker in Kenya.
What is Motor Insurance?
Motor Insurance is a product designed to provide protection against financial losses resulting from unforeseen events related to your vehicle. These plans typically cover damages to your vehicle caused by accidents, theft, natural disasters, or other incidents specified in the insurance policy.
Motor Insurance Policies
Third Party Only Insurance.
This covers third party liabilities arising from death or injury to third parties e.g. pedestrians and other road users. It also provides protection to the insured against liabilities arising from damage to third party property.
Comprehensive Motor Insurance.
This policy is much more comprehensive as the name suggests. It covers loss or damage to the insured motor vehicle arising from any insured accidental occurrence including the liabilities contemplated in the third-party fire and theft cover.
Third Party, Fire and Theft insurance.
The coverage under this policy includes loss or damage to the insured’s motor vehicle arising from fire and theft in addition to the Third Party Only cover.
Types of Motor Vehicle Insurance Coverage
Private Car Motor Insurance Policy
This policy is arranged for motor vehicles used for social, domestic and pleasure purposes. It also covers vehicles used by the policyholder in person in connection with their business and that of their employer and extends to include use by other persons with the policyholder’s permission.
Commercial Vehicle Insurance
This policy covers motor vehicles used for transporting goods and passengers for business purposes. For the goods carrying motor vehicles, the covers are issued either for carriage of own goods or under the general cartage category where the motor vehicles are used for hire and reward.
Motorcycle Insurance
The cover available under a motorcycle insurance policy is for all types of motorcycles Including motor scooters and mopeds.
FAQS
- Third-Party Cover: This is the mandatory minimum coverage in Kenya. It covers your legal liability for injuries and property damage caused to others (third parties) in an accident you are responsible for.
- Third-Party Fire & Theft: This expands on the above by additionally covering your car in case of fire and theft.
- Comprehensive Motor Insurance: This offers the most extensive coverage, protecting your car against accidental damage (regardless of fault), fire, theft, and third-party liability.
Some popular add-ons for your Motor Insurance Policy include:
- Excess Protector: This covers your policy excess (deductible) if you need to make a claim, reducing your out-of-pocket expense.
- Personal Accident Cover: Provides financial compensation in case of injury or death sustained by you or your passengers in an accident.
- Windscreen & Window Glass Extension: Offers additional coverage for repairs or replacements beyond the standard policy limit.
- Political Violence and Terrorism (PVT): This covers damage caused by such events, often excluded in standard policies but available as an extension.
Motor Insurance Premiums are based on several factors, including:
- Market value of your car: Higher value generally means higher premiums.
- Your age and driving experience: Younger drivers with less experience typically pay higher rates.
- Your driving record: A clean record usually results in lower premiums.
- Your location: Areas with higher accident rates may have higher premiums.
- The type and level of coverage you choose: Comprehensive coverage with add-ons will cost more than basic Third-Party cover.
You need the following documents for you to get a motor insurance quote:
- Logbook (proof of ownership)
- National ID or Passport
- KRA PIN (Kenya Revenue Authority PIN)
- Driving License
While Kenyan insurance provides basic coverage within Kenya, it might not be valid in other countries. To drive legally in neighboring countries, you may need additional cross-border insurance or specific extensions to your existing policy.
