Motor/Car Insurance
Protect your vehicle in just 2 minutes with Kenya’s premier insurance comparison platform!
Save up to 91% on your premiums by comparing 20+ top insurers for the lowest price guaranteed. Our policies provide comprehensive coverage against accidents, theft, and fire, while offering 24/7 claims support and up to 50% No Claim Bonus (NCB) discounts.
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Description
What is Car Insurance?
Car insurance is a legal contract that provides financial protection for your vehicle against accidents, theft, fire, and natural disaster. In Kenya, having at least a Third-Party cover is mandatory under the Traffic Act (Cap 403), similar to the legal requirements described in the sources
By paying a periodic premium, the insurance company covers financial losses resulting from damages to your car or liabilities to third parties. Our platform allows you to compare quotes from top Kenyan insurers like Jubilee, ICEA LION, Britam, and GA Insurance to find the best coverage.
Key Features of Our Car Insurance Plans
• Lowest Premiums: Secure your vehicle with competitive rates starting from Ksh 5,000* for third-party covers.
• Cashless Garages: Access a wide network of partner garages across Nairobi, Mombasa, Kisumu, and other major towns.
• No Claim Bonus (NCB): Earn discounts of up to 50% on your renewal premium for every year you drive without making a claim.
• 24/7 Claims Support: Get dedicated assistance even on holidays to ensure your claim is processed swiftly.
• Excess Protector & PVT: Specialized add-ons for the Kenyan market to protect you from paying “excess” during a claim and coverage for Political Violence and Terrorism.
Types of Car Insurance Policies in Kenya
Following the structure of the sources, there are three primary categories of car insurance available in the Kenyan market:
1. Third-Party Only (TPO): The basic legal requirement. It covers your liability for third-party injuries, death, or property damage. It does not cover damages to your own vehicle.
2. Third-Party, Fire, and Theft (TPFT): Provides the standard third-party protection plus coverage if your car is stolen or damaged by fire.
3. Comprehensive Car Insurance: The highest level of protection. It covers third-party liabilities and own-damage caused by accidents, theft, fire, and natural calamities.
Comparison: Third-Party vs. Comprehensive
|
Feature
|
Third-Party Insurance
|
Comprehensive Insurance
|
|---|---|---|
|
Third-Party Liability
|
Covered
|
Covered
|
|
Own Damage (Accidents)
|
Not Covered
|
Covered
|
|
Theft & Fire
|
Not Covered (Standard)
|
Covered
|
|
Legal Requirement
|
Yes (Mandatory)
|
Yes (Includes Mandatory)
|
|
Premium Cost
|
Lower
|
Higher
|
|
Add-ons Available
|
No
|
Yes
|
What is Covered? (Inclusions)
• Accidents: Damage from collisions or overturning.
• Theft: Total or partial loss due to burglary.
• Natural Disasters: Floods, storms, and earthquaker.
• Man-made Acts: Riots, strikes, and malicious damage (often included via PVT add-on).
• In-Transit Damage: Damage while the car is being transported by road or rail.
What is NOT Covered? (Exclusions)
• Drunk Driving: Accidents occurring while under the influence.
• Invalid License: Driving without a valid Kenyan driving license.
• Mechanical Breakdown: General wear and tear or electrical failure.
• Consequential Loss: Losses that are not a direct result of the accident.
• Illegal Use: Using the vehicle for racing or unlawful purposes.
Popular Car Insurance Add-on Covers
Enhance your policy with these essential riders:
• Excess Protector: You won’t have to pay the standard out-of-pocket “excess” fee when you make a claim.
• Political Violence & Terrorism (PVT): Critical for the local context, covering damages during civil unrest.
• Courtesy Car: Get a replacement vehicle for up to 10 days while yours is in the garage.
• Roadside Assistance: Emergency towing and breakdown services across Kenya.
• Passenger Medical Cover: Financial aid for medical expenses for passengers injured in your car.
How to Buy Car Insurance Online in Kenya
1. Enter Vehicle Details: Input your registration number or car make and model (e.g., Toyota Fielder, Mazda CX-5).
2. Compare Quotes: View prices from multiple Kenyan insurance companies.
3. Select Add-ons: Choose Excess Protector, PVT, or Roadside Assistance.
4. Instant Payment: Pay securely via M-PESA, Credit Card, or Bank Transfer.
5. Digital Policy: Receive your digital insurance certificate and policy document instantly via email.
Factors Affecting Your Premium in Kenya
• Vehicle Value (Sum Insured): Based on the current market value (IDV) of your car.
• Car Make & Model: High-end SUVs typically have higher premiums than hatchbacks.
• Vehicle Age: Older cars may have different rates due to parts availability and depreciation.
• Usage: Private use vs. commercial use (PSV/Uber).
• Driving Record: A clean history can lead to lower rates or better NCB discounts.
Frequently Asked Questions (FAQs)
Q1. Is car insurance mandatory in Kenya? Ans: Yes, the Kenyan Traffic Act requires every vehicle on public roads to have at least Third-Party insurance to cover liabilities to others.
Q2. How is the “Sum Insured” (IDV) calculated? Ans: It is based on the current market value of your vehicle. For new cars, it is usually the purchase price, while for older cars, it is adjusted for depreciation each year.
Q3. Can I transfer my No Claim Bonus (NCB)? Ans: Yes, if you switch from one Kenyan insurer to another, you can usually transfer your accumulated NCB to keep your discount.
Q4. What documents do I need to file a claim? Ans: You typically need a completed claim form, a copy of your logbook, your driving license, and a Police Abstract (in case of accidents or theft).
Q5. How long does a claim take to settle? Ans: Most standard claims in Kenya are processed within 7 to 14 working days once all documentation is submitted
1 review for Motor/Car Insurance
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Kimani Mbugua –
Great car insurance provider
bndege –
Thank you. Happy to have served you with the most affordable car insurance in kenya