Last Updated: August 2026

If you are looking for the best car insurance in Kenya, the cheapest quote is not necessarily the best deal.

Two insurers can give you similar-looking premiums while offering different excesses, exclusions, benefits, repair arrangements and claims procedures. A private car owner in Nairobi may also need a very different policy from someone operating a commercial vehicle, delivery van, taxi, matatu or fleet.

This guide explains how car insurance works in Kenya, compares leading motor insurance companies, explains the different types of cover, discusses the factors that influence premiums and shows you what to check before buying a policy.

If you already know what you need and simply want to compare your options, you can get a motor insurance quote from GetCovered Kenya.

Quick Answer: What Is the Best Car Insurance Company in Kenya?

There is no single insurance company that is automatically the best for every Kenyan driver.

The right insurer depends on:

• Your vehicle's value

• Whether the vehicle is new or used

• How you use the vehicle

• Whether you need private or commercial motor insurance

• Whether you want third-party or comprehensive cover

• Your budget

• The excess you are comfortable paying

• The policy benefits and exclusions

• The insurer's claims process

• The available repair and service network

• Any additional protection you require

For this reason, the smarter question is not simply "Which insurance company is number one?"

It is:

"Which motor insurance policy gives me the right protection at a price that makes sense for my vehicle and how I use it?"

That is why comparing quotes and policy terms is usually more useful than choosing an insurer purely because it has a famous name.

Compare Car Insurance Quotes in Kenya

You do not necessarily need to contact several insurance companies individually to start comparing motor insurance.

GetCovered Kenya is an insurance intermediary that can help motorists explore available motor insurance options based on their vehicle and requirements.

GET A MOTOR INSURANCE QUOTE 

You can also explore the wider motor insurance options available through GetCovered Kenya before deciding what type of cover you need.

Best Car Insurance Companies in Kenya (2026)

Kenya has a large general insurance market with several established insurers offering motor insurance.

Rather than claiming that one company is universally "the best", this guide looks at leading insurers and explains what motorists should investigate when comparing them.

The companies discussed below include:

1. CIC General Insurance

2. APA Insurance

3. Old Mutual General Insurance

4. GA Insurance

5. Jubilee Allianz General Insurance

6. Britam General Insurance

7. ICEA LION General Insurance

8. Heritage Insurance

The list is not intended to suggest that the first company is automatically better than the last. Market size, brand recognition and general insurance turnover are not the same thing as motor claims performance or suitability for an individual customer.

1. CIC General Insurance

CIC General Insurance is one of the major general insurers in Kenya and has a substantial presence in the country's insurance market.

CIC offers motor insurance covering options ranging from third-party protection to comprehensive motor insurance. Its published motor insurance information includes cover for accidental damage, malicious damage, theft, fire, third-party liabilities and riot, strike and civil commotion, subject to policy terms.

Why consider CIC for motor insurance?

CIC may be worth considering if you are looking for:

• Private motor insurance

• Comprehensive motor insurance

• Third-party motor insurance

• Commercial motor insurance

• Additional motor benefits

• An established Kenyan insurance provider

CIC also offers specialised products within its general insurance portfolio, including commercial motor products.

However, don't choose CIC simply because it is a large insurer. Compare the actual policy being offered to you.

Check:

• Premium

• Excess

• Vehicle valuation

• Own-damage cover

• Third-party limits

• Theft and fire protection

• Windscreen benefits

• Towing arrangements

• Repair authority

• Approved garages

• Exclusions

• Additional benefits

CIC's published motor information confirms that its private motor product covers risks ranging from third-party to comprehensive protection.

Best approach: Compare the CIC quotation against at least two alternatives before making your decision.

2. APA Insurance

APA Insurance is another major player in Kenya's general insurance market and offers motor insurance for different categories of vehicles.

APA is part of the Apollo Group and has a long-established presence in the Kenyan insurance sector.

What should you compare when considering APA?

For a private vehicle, look at:

• Comprehensive premium

• Third-party cover

• Excess

• Vehicle valuation requirements

• Theft and fire cover

• Windscreen cover

• Towing and recovery

• Garage arrangements

• Additional extensions

• Claims reporting requirements

For a commercial vehicle or fleet, the comparison should go further.

You should consider:

• Vehicle usage

• Number of vehicles

• Driver profiles

• Claims history

• Geographical area of operation

• Fleet management

• Vehicle types

• Passenger or goods use

A major insurer can be an attractive option, but the policy wording is ultimately what determines what is covered.

Best approach: Don't compare the APA premium alone. Compare the entire policy against competing quotations.

3. Old Mutual General Insurance

Old Mutual General is another major participant in Kenya's non-life insurance sector.

Recent 2025 industry turnover data places Old Mutual General among Kenya's largest general insurers. However, market size should not automatically be interpreted as proof that its motor insurance is the best choice for every driver.

When considering Old Mutual or any other insurer, examine the specific motor product being offered.

Important questions to ask

• What is the insured value of my vehicle?

• What excess applies?

• What happens if the vehicle is declared a total loss?

• What theft protection is included?

• Are accessories covered?

• Is windscreen cover included?

• What towing benefits are available?

• Which garages can repair my vehicle?

• Are there geographical restrictions?

• What exclusions apply?

These details can make a significant difference when comparing two apparently similar comprehensive policies.

4. GA Insurance

GA Insurance is one of the established general insurers operating in Kenya.

Its size in the general insurance market makes it a company that motorists may encounter when comparing motor insurance quotations.

If you receive a GA motor insurance quotation, don't simply compare the premium with another insurer.

Instead, place the quotations side by side and compare:

1. Sum insured

2. Premium

3. Excess

4. Third-party liability limits

5. Windscreen cover

6. Theft and fire cover

7. Towing and recovery

8. Personal accident benefits

9. Loss-of-use or courtesy-car benefits

10. Exclusions

11. Approved repairers

12. Claims notification requirements

The best quotation is the one that provides suitable protection at an acceptable overall cost.

5. Jubilee Allianz General Insurance

Jubilee Allianz is another recognised name in Kenya's insurance market and offers motor insurance for cars, trucks, motorcycles and other road vehicles.

Its motor insurance information describes protection against accidental loss or damage to the insured vehicle as well as certain liabilities involving third parties, subject to the policy terms.

Who might consider Jubilee Allianz?

It may be worth comparing if you are looking for:

• Private car insurance

• Comprehensive motor insurance

• Commercial vehicle protection

• Motorcycle insurance

• Broader insurance services from an established provider

When comparing a Jubilee Allianz quotation with another insurer, pay particular attention to:

• Own-damage cover

• Excess

• Third-party limits

• Theft and fire

• Windscreen benefits

• Towing

• Additional extensions

• Garage network

• Claims procedure

The brand alone should not determine your decision.

6. Britam General Insurance

Britam is one of the best-known financial services brands in Kenya and offers several motor insurance products, including comprehensive motor insurance, third-party car insurance and commercial motor insurance.

Its published comprehensive motor information includes accidental damage, fire, theft, malicious damage and third-party liabilities. It also lists benefits such as windscreen and accessory cover, recovery and towing following an accident, and no-claim discounts subject to the applicable terms.

Britam also provides an online motor quotation process, allowing customers to enter vehicle information and receive an estimated premium before completing the process.

What should you check?

If you are comparing Britam with another insurer, look beyond the quoted premium.

Check:

• The vehicle value used

• Excess

• Optional benefits

• Third-party limits

• Recovery and towing

• Windscreen limits

• Theft provisions

• Repair arrangements

• Geographical scope

• Claims requirements

Britam's published claims process also recommends documenting the accident scene, obtaining a police abstract and preparing relevant vehicle and driver documents.

7. ICEA LION General Insurance

ICEA LION has a long history in Kenya's insurance industry and offers motor insurance for private and commercial vehicles.

Its published motor insurance information describes comprehensive protection against risks including accidental damage, fire and theft, while also covering third-party liabilities. It also lists possible extensions such as towing, medical expenses, personal accident, loss of use, windscreen and other benefits, depending on the policy selected.

ICEA LION also provides online access to motor insurance products.

Who should consider ICEA LION?

It may be worth comparing for:

• Private cars

• Commercial vehicles

• Fleets

• Drivers wanting comprehensive protection

• Customers interested in digital insurance services

One particularly important point is that comprehensive cover does not necessarily mean every person inside or driving the vehicle receives every possible form of protection.

For example, additional personal accident protection may need to be considered separately depending on the policy.

Always read the schedule and policy wording rather than assuming an item is covered because the policy is described as comprehensive.

8. Heritage Insurance

Heritage Insurance is another established general insurance provider in Kenya and offers insurance products across personal and commercial risks.

For motorists considering Heritage, the same principle applies: compare the actual motor quotation and policy terms rather than relying only on brand reputation.

Important areas to investigate include:

• Comprehensive cover

• Third-party cover

• Excess

• Vehicle valuation

• Theft and fire

• Windscreen

• Towing

• Personal accident

• Garage network

• Claims reporting

• Policy exclusions

A strong insurance decision comes from comparing the policy, not simply comparing company names.

How We Compared These Insurance Companies

There is no reliable basis for saying that one insurer is automatically the best for every motorist.

Our approach is therefore based on factors that are relevant when comparing motor insurance in Kenya, including:

• Presence in Kenya's general insurance market

• Availability of motor insurance products

• Types of vehicles covered

• Published policy features

• Accessibility of insurance services

• Digital quotation or service capabilities

• Additional motor benefits

• Claims procedures

• Suitability for different customer profiles

Market size is used as context rather than as a measure of claims quality.

For example, 2025 industry turnover data places CIC General, APA, Old Mutual General, GA and Jubilee Health among the largest general insurance businesses by turnover, followed by Britam General, AAR, Madison, ICEA LION, Mayfair and Heritage.

That does not mean CIC is automatically the best motor insurer, or that Heritage is automatically worse. Turnover measures the scale of the business, not whether a particular policy is best for your vehicle.

This distinction is important when choosing car insurance.

Why Motor Insurance Is So Important in Kenya

Motor insurance is not a minor part of Kenya's insurance industry.

According to Insurance Regulatory Authority industry data, motor private and motor commercial business represents a significant portion of general insurance activity and claims.

The latest industry figures also demonstrate why motorists should pay attention to the details of their policies rather than simply looking for the cheapest premium. Motor insurance represents a significant share of the industry's claims burden.

This has an important implication for consumers:

The cheapest policy is only useful if it provides the protection you actually need when something goes wrong.

Types of Car Insurance in Kenya

Before choosing an insurance company, you need to understand the type of cover you are buying.

The three broad categories motorists commonly encounter are:

1. Third-Party Only

2. Third-Party, Fire and Theft

3. Comprehensive Motor Insurance

1. Third-Party Only Insurance

Third-party insurance is the basic form of motor liability protection required for vehicles used on Kenyan roads under the applicable law.

It primarily protects you against covered legal liabilities to third parties arising from the use of the insured vehicle.

It does not generally provide own-damage protection for your vehicle.

Third-party cover may be suitable when:

• You own an older vehicle

• You want the minimum legally required protection

• The value of your vehicle is relatively low

• You are willing to bear your own vehicle repair or replacement costs

However, "cheapest" does not automatically mean "best".

If you have a valuable vehicle, third-party-only insurance could leave you carrying a significant financial risk.

2. Third-Party, Fire and Theft

Third-party, fire and theft adds protection for certain risks involving your own vehicle, particularly theft and fire, while maintaining third-party liability protection.

It sits between third-party-only and comprehensive insurance.

This can be worth considering for motorists who want more protection than TPO without paying for the broader range of risks associated with comprehensive cover.

However, always check exactly what the policy covers.

3. Comprehensive Car Insurance

Comprehensive motor insurance generally provides the broadest level of protection available for a private vehicle, subject to exclusions and the policy terms.

Depending on the insurer and selected extensions, comprehensive cover may protect against risks such as:

• Accidental damage

• Theft

• Fire

• Malicious damage

• Third-party liabilities

• Certain natural perils

• Riot, strike and civil commotion

• Windscreen damage

• Towing

• Emergency medical expenses

• Personal accident

• Loss of use

• Additional accessories

The precise cover varies between insurers.

That is why you should never assume:

"Comprehensive means everything."

It does not.

Comprehensive means broader cover—not unlimited cover.

How Much Does Car Insurance Cost in Kenya?

One of the most common questions motorists ask is:

How much does car insurance cost in Kenya?

There is no single price.

Your premium depends on several factors.

Factors that Influence Car Insurance Premiums

1. Vehicle value

A more expensive vehicle will generally expose the insurer to a larger potential own-damage or total-loss claim.

The value used for insurance purposes should therefore be accurate.

2. Vehicle type

A private saloon, SUV, pickup, truck, delivery van, taxi and PSV vehicle can have different underwriting characteristics.

3. Vehicle use

How the vehicle is used matters.

For example:

• Private use

• Business use

• Commercial delivery

• Passenger transport

• PSV operations

• Fleet operations

Do not describe a vehicle as private if it is actually being used commercially.

4. Vehicle age

Older vehicles can have different underwriting considerations from newer vehicles.

5. Driver profile

Insurers may consider factors relating to the driver and vehicle usage when determining the premium and policy terms.

6. Claims history

A history of claims can affect underwriting and pricing.

7. Security features

Anti-theft systems and other security measures can be relevant depending on the insurer and policy.

8. Additional benefits

Adding features such as:

• Windscreen protection

• Towing

• Personal accident

• Loss of use

• PVT or related extensions

• Higher third-party limits

can affect the final premium.

9. Excess

A policy with a different excess structure may produce a different premium.

This is why comparing premium alone can be misleading.

Is Cheap Car Insurance in Kenya the Best?

Not necessarily.

Suppose Driver A receives a quote of KSh 70,000 and Driver B receives a quote of KSh 75,000.

At first glance, Driver A appears to have won.

But imagine the KSh 70,000 policy has:

• Higher excess

• Lower optional benefits

• More exclusions

• Lower third-party limits

• Less favourable repair arrangements

while the KSh 75,000 policy offers broader protection.

The second policy may actually represent better value.

When comparing quotations, ask:

What am I getting for the premium?

not simply:

How low is the premium?

 

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What Does Comprehensive Car Insurance Cover?

Depending on the insurer and policy, comprehensive cover can include:

Accidental damage

Damage to the insured vehicle resulting from an insured accident.

Fire

Loss or damage caused by covered fire-related events.

Theft

Protection against theft of the insured vehicle, subject to policy conditions.

Malicious damage

Certain deliberate damage caused by third parties.

Third-party property damage

Protection for covered liabilities involving damage to third-party property.

Third-party bodily injury or death

Protection for covered legal liabilities arising from injury or death to third parties.

Windscreen

Some comprehensive policies include windscreen protection, although limits and conditions vary.

Towing

Some insurers provide towing or recovery benefits.

Personal accident

Personal accident benefits may be available as part of a policy or as an additional cover.

Loss of use

Some policies may offer a courtesy car or compensation for loss of use.

The important words are:

"Subject to the policy terms."

Never assume that a benefit is included simply because you saw it advertised by another insurer.

Car Insurance Add-Ons You Should Consider

The right additional benefits depend on your circumstances.

Here are some of the most important ones to ask about.

1. Excess

Excess is the amount you may be required to contribute toward an eligible claim before the insurer pays the balance.

Your excess may depend on:

• The policy

• Vehicle

• Driver

• Type of claim

• Policy conditions

• Voluntary excess

• Compulsory excess

Before buying, ask:

"How much excess will I pay if I make a claim?"

This question can be more important than saving a few thousand shillings on the premium.

2. Windscreen Cover

Windscreen damage can be frustrating because replacing a modern windscreen can be expensive.

Check:

• Maximum amount covered

• Whether excess applies

• Whether the benefit is included or optional

• Whether there are restrictions on repairers

3. Towing and Recovery

A breakdown or accident can leave your vehicle stranded.

Ask:

• Is towing included?

• What is the limit?

• How many towing incidents are covered?

• Does it cover nationwide recovery?

• Which service provider handles recovery?

4. Courtesy Car or Loss of Use

If your vehicle is being repaired, you may still need transport.

A courtesy car or loss-of-use benefit can therefore be valuable, especially for:

• Business owners

• Professionals

• Families

• Salespeople

• Drivers who rely on the vehicle every day

Check the number of days and conditions attached to the benefit.

5. Personal Accident Cover

Motor insurance primarily protects against vehicle-related risks and third-party liabilities.

It should not automatically be treated as equivalent to comprehensive personal accident protection.

If you want protection for the driver or occupants, ask specifically about the available personal accident benefits.

6. Political Violence and Terrorism

Some motor policies may exclude risks associated with political violence, riots, civil commotion or terrorism unless an extension is purchased.

Rather than assuming PVT is automatically included or automatically required, ask the insurer or intermediary:

"Are political violence and terrorism risks covered under this quotation?"

If not, ask whether an extension is available and what it costs.

What Is Not Covered by Comprehensive Car Insurance?

This is where many motorists make mistakes.

Comprehensive does not mean:

"The insurer pays for everything."

Policies contain exclusions and conditions.

Depending on the policy, problems can arise when:

• The vehicle is being used outside the declared purpose

• The driver is not properly licensed

• Material information was misrepresented

• The vehicle is used for a purpose not covered

• Required documentation is missing

• Policy conditions are breached

• The claim falls under an exclusion

• The incident was not reported according to the required procedure

Always read the policy schedule and relevant terms before assuming you are covered.

How to Avoid Car Insurance Claim Problems in Kenya

Having insurance is only the first step.

You also need to protect your ability to make a valid claim.

1. Give accurate information when buying insurance

Tell the insurer the truth about:

• Vehicle value

• Vehicle use

• Vehicle ownership

• Driver details

• Previous claims

• Vehicle modifications

• Commercial use

Do not deliberately provide inaccurate information to obtain a cheaper premium.

2. Use the vehicle for the declared purpose

A private car used for commercial passenger transport can create a very different risk from an ordinary private vehicle.

Likewise, using a vehicle for delivery, hire, courier services or other commercial activities may require appropriate underwriting.

If your vehicle's use changes, speak to your insurer or intermediary.

3. Report accidents promptly

After an accident:

1. Make sure everyone is safe.

2. Contact the relevant emergency services if necessary.

3. Document the accident scene.

4. Take photographs and videos where safe to do so.

5. Exchange relevant details.

6. Notify your insurer or intermediary.

7. Follow the required police reporting process.

8. Obtain a police abstract where applicable.

9. Do not authorise major repairs outside the insurer's process without approval.

The exact claims procedure depends on the policy.

4. Avoid admitting liability at the scene

You can cooperate with the other driver without immediately accepting legal responsibility.

Exchange information and document what happened.

Avoid signing documents admitting liability without first understanding what you are signing and following the insurer's claims process.

5. Keep your documents available

Depending on the claim, you may need documents such as:

• Driving licence

• National ID

• Vehicle logbook

• Insurance certificate

• Policy number

• Police abstract

• Claim form

• Vehicle valuation

• Other supporting documents

Keep digital copies where appropriate.

How to Choose the Best Car Insurance Company in Kenya

Use this checklist before buying.

Step 1: Decide what level of cover you need

Choose between:

• Third-party only

• Third-party, fire and theft

• Comprehensive

Step 2: Establish the correct vehicle value

Do not randomly inflate or undervalue your vehicle.

Ask how the insurer determines the sum insured.

Step 3: Declare how the vehicle is used

Private use and commercial use can have different underwriting requirements.

Step 4: Compare at least three quotations

Do not stop at the first quotation you receive.

Step 5: Compare the excess

Find out exactly how much you may contribute toward a claim.

Step 6: Compare benefits

Look at:

• Windscreen

• Towing

• Personal accident

• Loss of use

• Accessories

• Third-party limits

• Other extensions

Step 7: Compare exclusions

This is one of the most overlooked parts of insurance.

Step 8: Ask about claims

Find out:

• How do I report a claim?

• Where do I take the vehicle?

• What documents do I need?

• Who approves repairs?

• Which garages can I use?

Step 9: Check the insurer's regulatory status

Insurance in Kenya is regulated by the Insurance Regulatory Authority.

You should verify that you are dealing with an appropriately authorised insurer or intermediary.

Step 10: Read the policy schedule

Do not buy based solely on a WhatsApp message or quotation summary.

Should You Buy Direct or via an Intermediary?

Both approaches can work.

Buying directly can be convenient when you already know exactly what you want and have decided which insurer you prefer.

An intermediary can be useful when you want to compare alternatives.

An insurance intermediary can help you:

• Compare available quotations

• Understand different cover options

• Identify relevant benefits

• Explain policy terms

• Help with documentation

• Guide you through the buying process

• Assist with communication when a claim arises, depending on the intermediary's role and agreement

The important thing is to work with a properly authorised intermediary.

Why Comparison is Key

Imagine you need comprehensive cover for a vehicle worth KSh 2.5 million.

You contact one insurer and receive a quotation.

You could simply pay.

But you don't know whether:

• Another insurer offers a lower premium

• Another policy has a lower excess

• Another includes better windscreen protection

• Another offers better towing benefits

• Another offers loss-of-use protection

• Another provides different third-party limits

• Another has different policy conditions

Comparison gives you information.

And information gives you negotiating power.

Compare Car Insurance Through GetCovered Kenya

If you don't want to spend hours contacting different insurers individually, GetCovered Kenya can help you compare motor insurance options.

The process is designed around your vehicle and insurance requirements.

Start your quote

START YOUR QUOTE NOW 

You can also visit the broader Motor Insurance page to understand the available cover before requesting a quotation.

If you are looking for other insurance products, GetCovered also provides access to all insurance products.

 

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Car Insurance for Different Types of Kenyan Drivers

The best policy depends heavily on what you use your vehicle for.

 

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Private Car Owners

If you use your car mainly for personal and family purposes, comprehensive insurance may be appropriate if the vehicle has significant value.

Focus on:

• Vehicle value

• Excess

• Accidental damage

• Theft

• Fire

• Third-party liabilities

• Windscreen

• Towing

• Personal accident

• Loss of use

 

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New Car Owners

If you have just purchased a new or relatively new vehicle, insurance deserves particular attention.

Ask about:

• Vehicle valuation

• Total-loss conditions

• Repair arrangements

• Genuine or approved parts

• Excess

• Windscreen

• Theft

• Towing

• Geographical scope

A small saving on premium should not leave you with an unsuitable policy.

 

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Used Car Owners

For an older vehicle, you should weigh the annual premium against the vehicle's current value.

Depending on the circumstances, you may compare:

• Third-party only

• Third-party, fire and theft

• Comprehensive

The decision should be based on your financial ability to replace or repair the vehicle.

 

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Commercial Vehicle Owners

Commercial vehicles have different risks.

You should clearly declare the vehicle's intended use.

Ask about:

• Goods carried

• Passenger use

• Geographical area

• Driver requirements

• Fleet arrangements

• Claims history

• Downtime

• Towing

• Third-party liability

If your business operates several vehicles, consider whether a fleet insurance arrangement is appropriate.

 

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PSV and Matatu Owners

PSV insurance requires particular attention because passenger transport carries different risks from ordinary private use.

Do not purchase ordinary private-car insurance and assume it automatically covers PSV operations.

Tell the intermediary or insurer exactly how the vehicle operates.

 

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What About Commercial Motor Insurance?

Commercial motor insurance is designed for vehicles used for business purposes.

This can include vehicles such as:

• Pickups

• Trucks

• Delivery vans

• Company cars

• Lorries

• Service vehicles

• Commercial fleets

• Other business vehicles

The correct cover depends on how the vehicle is used.

For commercial motor insurance, provide accurate information about:

• Vehicle type

• Business activity

• Goods carried

• Passenger use

• Drivers

• Routes

• Area of operation

• Number of vehicles

• Previous claims

For businesses with multiple vehicles, ask about fleet solutions.

 

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Car Insurance vs Motor Insurance: The Difference

You will often see both terms online.

In everyday Kenyan usage, car insurance commonly refers to insurance for a private car.

Motor insurance is broader and can include:

• Private cars

• Commercial vehicles

• Motorcycles

• Trucks

• PSV vehicles

• Other road vehicles

That is why "motor insurance" is generally the broader insurance term.

For example, GetCovered's motor insurance service can serve as the main commercial page while specific articles target searches such as "car insurance in Kenya", "motor insurance Kenya" and "commercial motor insurance Kenya".

How to Buy Car Insurance Online in Kenya

Buying insurance online can save time, but you should still perform the same checks you would make when buying through an office.

Step 1: Identify your vehicle

Prepare:

• Registration number

• Make

• Model

• Year

• Vehicle value

• Logbook information

Step 2: Identify your preferred cover

Choose whether you need:

• TPO

• TPFT

• Comprehensive

Step 3: Provide accurate personal information

You may be asked for information such as:

• Name

• Phone number

• Email

• ID

• KRA PIN

Step 4: Compare quotations

Don't choose the first number you see.

Step 5: Review the terms

Check:

• Excess

• Benefits

• Exclusions

• Vehicle value

• Period of cover

• Payment requirements

Step 6: Make payment through the authorised channel

Only pay through verified payment channels.

Step 7: Confirm your insurance documents

Ensure that your policy and certificate reflect the correct vehicle and cover.

If you want to start the process, use the GetCovered motor insurance quote form.

Common Car Insurance Mistakes to Avoid

Mistake 1: Choosing purely on price

The cheapest premium may not provide the best protection.

Mistake 2: Not checking the excess

A cheap policy with a high excess may become expensive after an accident.

Mistake 3: Assuming comprehensive means everything is covered

Every insurance policy has exclusions and conditions.

Mistake 4: Misrepresenting vehicle use

Always declare the actual use of your vehicle.

Mistake 5: Ignoring the policy schedule

The schedule tells you important details about your actual policy.

Mistake 6: Failing to report an accident promptly

Follow the insurer's claims procedure.

Mistake 7: Authorising repairs without checking

Don't assume you can take the vehicle to any garage and automatically receive reimbursement.

Mistake 8: Forgetting about accessories

If your vehicle has expensive accessories, ask whether they need to be declared separately.

Mistake 9: Buying from an unverified source

Use authorised insurers and properly authorised intermediaries.

Mistake 10: Renewing automatically

Your existing insurer may still be a good option—but compare the market before automatically renewing.

Frequently Asked Questions (FAQs)

Which is the best car insurance company in Kenya?

There is no single insurer that is best for every driver.

CIC, APA, Old Mutual, GA, Jubilee Allianz, Britam, ICEA LION and Heritage are among the established insurers motorists may encounter when comparing motor insurance.

The best option depends on your vehicle, usage, required cover, premium, excess, benefits and policy terms.

What is the cheapest car insurance in Kenya?

Third-party-only insurance is generally the most basic and therefore often the lowest-cost type of motor insurance.

However, the cheapest policy is not necessarily the best value.

If your vehicle is valuable, consider whether comprehensive protection is more appropriate.

How much is comprehensive car insurance in Kenya?

There is no universal comprehensive motor insurance price.

Premiums depend on factors including vehicle value, vehicle type, use, driver profile, claims history, insurer, excess and selected benefits.

The most reliable way to know your actual premium is to request a quotation based on your vehicle.

Get a motor insurance quote →

Is comprehensive car insurance mandatory in Kenya?

No. The legal requirement is for the required third-party motor insurance/security when using a motor vehicle on a road.

Comprehensive insurance is a broader voluntary form of protection that can cover your own vehicle as well as covered third-party liabilities, subject to the policy.

What is the difference between third-party and comprehensive insurance?

Third-party insurance primarily protects against covered liabilities to other parties.

Comprehensive insurance generally provides broader protection that can include damage to your own vehicle from insured risks such as accidental damage, fire and theft, in addition to third-party liabilities.

Can I buy car insurance online in Kenya?

Yes. Several insurers and insurance intermediaries provide online quotation or purchasing options.

When buying online, verify that you are dealing with a legitimate insurer or authorised intermediary and carefully check the policy documents before payment.

Can I change my car insurance company?

You can consider another insurer when your policy is due for renewal or when otherwise permitted under the applicable policy and legal terms.

Before switching, compare the new policy carefully rather than simply choosing a lower premium.

Does comprehensive insurance cover theft?

Comprehensive policies commonly include theft protection, but the exact terms, exclusions and claim conditions depend on the policy.

Read the policy wording and schedule.

Does comprehensive insurance cover the driver?

Not necessarily in every respect.

Motor insurance and personal accident insurance serve different purposes. If you want specific protection for the driver or passengers, ask what personal accident benefits are included and whether additional cover is available.

Does car insurance cover political violence in Kenya?

Do not assume it does.

Check the policy for exclusions and available extensions relating to political violence, riots, strikes, civil commotion or terrorism.

What documents do I need for car insurance?

Requirements vary by insurer, but you may be asked for documents such as:

• National ID

• KRA PIN

• Vehicle logbook

• Driving licence

• Vehicle valuation report

• Existing insurance information

• Previous claims information

Your intermediary or insurer should provide the specific requirements.

Final Car Insurance Checklist

Before paying for your policy, make sure you have checked:

• Correct vehicle registration

• Correct vehicle value

• Correct vehicle usage

• Correct owner information

• Correct driver information

• Type of cover

• Premium

• Excess

• Third-party liability limits

• Theft protection

• Fire protection

• Windscreen cover

• Towing/recovery

• Personal accident benefits

• Loss-of-use/courtesy-car benefits

• Political violence/terrorism position

• Policy exclusions

• Approved garage arrangements

• Claims notification procedure

• Policy start and expiry dates

• Certificate and policy schedule

Which Car Insurance is Best for You?

The best car insurance in Kenya is not necessarily the insurer with the biggest name, the lowest quote or the largest market share.

It is the policy that gives you an appropriate level of protection for your vehicle and usage at a price you can justify.

For some drivers, third-party insurance may be sufficient.

For others, third-party, fire and theft may make sense.

For a newer or more valuable vehicle, comprehensive insurance may provide more appropriate protection.

For commercial and PSV vehicles, the correct use classification and policy structure are particularly important.

And if you are unsure which option to choose, comparing several quotations can help you make a better decision.

 

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Ready to Compare Quotes?

Don't choose your motor insurance based on the premium alone.

Compare:

Cover + Premium + Excess + Benefits + Exclusions + Claims Process

GetCovered Kenya can help you explore motor insurance options and get a quotation based on your vehicle and requirements.

🚗 Get Your Motor Insurance Quote

COMPARE MOTOR INSURANCE & GET A QUOTE 

You can also learn more about Motor Insurance in Kenya before requesting your quote.

For other insurance needs, explore GetCovered Kenya's insurance products.

Related Insurance Guides

If you are researching insurance before buying, these resources may also help:

• How to Choose Car Insurance in Kenya — a practical guide to comparing motor insurance policies.

• Motor Insurance — learn more about the motor insurance options available.

• Motor Insurance Quote — request a quotation based on your vehicle.

• Get a Motor Insurance Quote — start the quote process.

• All Insurance Products — explore motor, health, travel, life, home and business insurance.

• GetCovered Kenya Claims — understand how to proceed when you need to make a claim.

• Frequently Asked Questions — find answers to common insurance questions.

• Contact GetCovered Kenya — speak to the GetCovered Kenya team.

Sources and Regulatory Information

Information about Kenya's insurance industry and market should be checked against current information from the Insurance Regulatory Authority (IRA).

The IRA publishes industry reports covering insurance business, market performance and classes of insurance in Kenya.

Market turnover figures cited in this article are used only as industry context and should not be interpreted as a ranking of motor claims performance or an endorsement of any particular insurer.

Important: Insurance products, premiums, benefits, exclusions, limits and underwriting requirements can change. Always confirm the current policy wording, quotation and schedule before purchasing insurance.