Comprehensive vs Third-Party Car Insurance in Kenya: Which One Makes Sense for You

Car insurance in Kenya isn’t just about complying with the law — it’s about protecting your finances, your vehicle, and your peace of mind. The Insurance Regulatory Authority (IRA) requires every vehicle on Kenyan roads to have at least Third-Party insurance. But beyond meeting the legal requirement, many drivers find themselves asking: Should I choose Third-Party only… or invest in Comprehensive cover? Let’s break it down clearly and simply so you can make a confident, informed decision.

What Is Third-Party Car Insurance?

Third-Party insurance is the minimum legal requirement in Kenya.

✅ What it covers:

• Injuries caused to other people
• Damage to other people’s vehicles or property
• Legal liability arising from an accident

❌ What it does not cover:

• Damage to your own vehicle
• Theft of your vehicle
• Fire or flood damage
• Your own medical expenses

In simple terms, Third-Party protects you against claims from others — but it does not protect your own car. It is a cost-conscious option for drivers who mainly want to meet legal requirements while keeping premiums manageable.

What Is Comprehensive Car Insurance?

Comprehensive insurance provides broader protection. It includes Third-Party cover and also protects your own vehicle.

✅ Typically covers:

• Accidental damage to your car (even if you are at fault)
• Theft or attempted theft
• Fire damage
• Natural disasters such as floods or storms
• Third-party injuries and property damage

Many Comprehensive policies also allow optional add-ons such as:

• Windscreen cover
• Roadside assistance
• Towing services
• Personal accident benefits

In short, Comprehensive cover protects both you and other road users.

Comprehensive vs Third-Party: Quick Comparison

Pros and Cons at a Glance

How Do You Decide What’s Right for You?

Choosing between Third-Party and Comprehensive depends on your personal situation. Here are the key factors to consider:

1. Your Car’s Value

If your vehicle is new or has significant market value, Comprehensive cover may offer better financial protection. If your car has a lower value, Third-Party may be a practical option.

2. Your Budget

If unexpected repair or replacement costs would significantly affect your finances, Comprehensive cover offers added financial security.

3. Your Driving Environment

Frequent driving in busy cities, highways, or high-traffic areas increases the likelihood of accidents. Broader protection may be worth considering.

4. Your Risk Tolerance

Ask yourself: If something happens to my car tomorrow, would I be financially prepared to handle it? Your answer can guide your decision.

Real-Life Scenarios

• New car owner in Nairobi: Comprehensive cover is often recommended due to higher traffic risk and vehicle value.
• Older vehicle used occasionally: Third-Party may provide adequate protection while keeping costs low.
• Family or business vehicle: Comprehensive cover can offer important financial stability in case of unexpected events.

How Step by Step Insurance Helps You Choose

At Step by Step Insurance, we believe insurance decisions should be informed — not rushed. Instead of offering one-size-fits-all solutions, we take time to understand:

• Your vehicle type and value
• Your budget
• How and where you drive
• Your personal risk level

Here’s how we support you:

• We compare multiple insurers to help you get competitive value
• We explain policy details in simple, clear language
• We help you choose meaningful add-ons — not unnecessary extras
• We assist you through the claims process from start to finish
• We give honest advice — even when a lower-cost option makes more sense

Our goal is straightforward: to match you with insurance that truly protects you — not just something that looks affordable on paper.

Frequently Asked Questions