Types of motor cover
Third party only
Covers death or bodily injury to other people up to the limit set under the Insurance (Motor Vehicles Third Party Risks) Act, Cap 405, and damage to other people's property up to a specified limit. This is the minimum cover required by law.
Comprehensive
Everything in a third party policy, plus loss of or damage to your own vehicle from accidental damage, fire, theft, accidental collision or overturning, and malicious damage.
| Cover | Comprehensive | Third party only |
|---|---|---|
| Death or injury to other people | Yes | Yes |
| Damage to other people's property | Yes | Yes |
| Accidental damage to your vehicle | Yes | No |
| Fire and theft | Yes | No |
| Collision, overturning and malicious damage | Yes | No |
| Windscreen and entertainment system, up to a limit | Yes | No |
Limits and excesses differ between insurers. We confirm the exact terms for your vehicle before you buy.
Benefits for private cars
Depending on the insurer and policy, comprehensive cover for private cars can include:
- Excess protector
- Capped excess
- No blame, no excess
- A higher limit for third party property damage
- Higher limits for windscreen, side mirrors, radio and towing
- Free valuations
- Free personal accident cover
- Agreed value cover
- 24-hour road rescue and assistance
- Courtesy car
Extensions for an additional premium
- Political violence and terrorism
- Damage caused by political violence, riots and terrorism, excluding theft.
- Excess protector
- Removes or reduces the excess you pay on an own-damage claim.
- Loss of use
- A contribution towards alternative transport while your vehicle is repaired after an insured claim.
- COMESA cover
- Extends third party cover to travel within the COMESA region.
Documents you will need
| To take out cover | To make a claim |
|---|---|
|
|
Draft Document list to be confirmed by Ksembi.
Common questions
Is motor insurance compulsory in Kenya?
Yes. Every vehicle used on a public road must have at least third party cover under Cap 405.
Why is a valuation needed for comprehensive cover?
The valuation confirms your vehicle's value and condition. It sets the sum insured, which affects the premium and what is paid if the vehicle is written off or stolen. Many insurers arrange the valuation free of charge.
What should I do straight after an accident?
Make sure everyone is safe, take photographs, note the other driver's details and report the accident at the nearest police station. Then call us on 0722 631 370 so we can start the claim.
Draft Answers to be reviewed by Ksembi.
