Motor Insurance
Motor Insurance starting from Kshs.5000 per year for Third-Party Only (TPO)
Safeguard your vehicle against unexpected costs, with multiple coverage options and added benefits like roadside assistance and a courtesy car. Enjoy a seamless online purchasing experience and dedicated support throughout the process.
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Motor Insurance is essential for vehicle owners in Kenya, providing financial protection against losses resulting from accidents, theft, and other unforeseen events. This insurance not only safeguards your vehicle but also covers third-party liabilities, ensuring compliance with legal requirements while offering peace of mind on the road.
Key Features
- Comprehensive Coverage
- Protects against accidental damage to your vehicle, loss or damage due to fire, theft, and malicious damage.
- Covers third-party liabilities for bodily injury and property damage caused to others while using your vehicle.
- Third-Party Only (TPO) Insurance
- The minimum legal requirement for all vehicle owners in Kenya.
- Covers legal liabilities for injuries to third parties and damages to their property.
- Does not cover damages to the insured vehicle.
- Third-Party Fire and Theft (TPF&T)
- Combines third-party coverage with protection against fire damage and theft of the insured vehicle.
- Ideal for those seeking more coverage than basic TPO but not full comprehensive insurance.
- Optional Benefits
- Windscreen Cover: Free limit cover up to Kshs 50,000; additional cover charged at 10% of the insured value.
- Medical Expenses: Coverage for medical expenses incurred due to an accident, typically up to Kshs 20,000.
- Loss of Use/Courtesy Car: Provides a courtesy car during repairs for a specified period, with options for 10 or 20 days of coverage.
- Political Violence & Terrorism Cover: Optional coverage available at an additional cost.
- Passenger Legal Liability
- Provides coverage for legal liabilities arising from injuries sustained by passengers in the insured vehicle.
- Towing and Recovery Expenses
- Free cover up to Kshs 30,000 on a reimbursement basis for towing and recovery services after an accident.
Pricing Plans
- Basic motor insurance plans start from approximately KES 5,000 per year for Third-Party Only coverage.
- Comprehensive motor insurance plans can range from KES 10,000 to KES 50,000 annually based on the value of the vehicle and selected benefits.
Insurers Offering Motor Insurance
Several reputable insurance providers in Kenya offer motor insurance products:
- Trident
- APA Insurance
- Directline Assurance
- Britam
- Sanlam General Insurance
- Heritage Insurance
