Motor insurance cover

Whether you’re a daily commuter, a weekend adventurer, or a business owner relying on your fleet, motor vehicle insurance provides you with the peace of mind and financial protection you need

insurance motor vehicle

Types of motor insurance

Discover the types of motor vehicle insurance policies in Kenya that suit your different needs and circumstances. From safeguarding your investment to ensuring your safety and that of others, our motor insurance solutions are here to keep you covered on your journey. Here’s an introduction to the types of motor vehicle insurance covers available in Kenya:   

Third-Party Only (TPO) Insurance:

  • This is the minimum legal requirement for all vehicles in Kenya.
  • It covers liability for bodily injury or death to third parties and damage to their property.
  • TPO motor insurance does not cover damage to your own vehicle or injuries to you or your passengers.

Third-Party, Fire, and Theft (TPFT) Insurance:

  • TPFT insurance includes all the benefits of TPO insurance.
  • Additionally, it provides coverage for fire damage and theft of your vehicle.

Comprehensive Motor Insurance:

  • Comprehensive insurance offers a wide range of benefits that go beyond what is provided by basic insurance options like third-party or third-party, fire, and theft coverage .It provides coverage for damage to your own vehicle, regardless of fault.
  • This type of motor vehicle insurance cover also covers injuries to you and your passengers, along with third-party liabilities.

Types of vehicles covered.

Motor insurance coverage is available for a wide range of vehicle types.

Private Motor Vehicles:

This category covers personal vehicles, such as cars, SUVs, and motorcycles, used for personal transportation.

Commercial Vehicles:

Various types of commercial vehicles can be insured, including vans, trucks, and buses used for business purposes. This category may also include vehicles used for goods transportation and public service vehicles (PSVs) like matatus.

Taxis and Ride-Sharing Vehicles:

Taxis and vehicles used for ride-sharing services like Uber and Bolt can be insured to cover both the driver and passengers.

Fleet Insurance:

Businesses with multiple vehicles can obtain fleet insurance to cover all their company vehicles under a single policy.

Our insurance agency has access to a wide network of insurers, allowing us to compare multiple options and negotiate competitive rates on your behalf. This leads to cost savings while securing the best possible motor vehicle insurance cover.