Motor Insurance

Get the best motor insurance in minutes

• Accidental damage (collisions, overturning, skidding)
• Theft or attempted theft of the entire vehicle
• Fire, explosion, and lightning damage
• Malicious damage and vandalism
• Natural disasters and “Acts of God” (floods, hailstorms, earthquakes)
• Riot, strike, civil commotion, and political violence
• Third-party liability (unlimited cover for death, injury, or property damage caused to others)
• Windscreen and window glass breakage
• Entertainment systems and accessories (audio, navigation, mag wheels, etc.)
• Towing and recovery services
  
  

• Excess Protector (reduces or removes your out-of-pocket excess)
• Emergency medical expenses for you and passengers
• Personal accident cover (driver and passengers)
• Courtesy car / hire vehicle during repairs
• Key replacement and loss of use
• Tracking device discount
  
  

• Full financial protection for your own vehicle
• No-claim bonus (NCB) of up to 60-65% on renewal for claim-free years
• Peace of mind when driving anywhere in Kenya
• Better resale value — financed vehicles almost always require comprehensive cover
• Rising search interest in comprehensive insurance as vehicle ownership grows
  
  

• Excess Protector — Pay little or nothing during own-damage claims
• 24/7 Emergency Assistance — Towing, breakdown support, and medical help
• Approved Garage Network — Direct billing at quality garages countrywide
• Fast Digital Claims — Mobile apps and AI-supported processes for quicker settlements
• Windscreen & Entertainment Cover — Often up to KSh 50,000–100,000
• Political Violence & Terrorism (PVT) cover
  
  

• Jubilee Insurance — Long-standing reliability, excellent claims record, and strong nationwide presence.
• Britam Insurance — Award-winning service, innovative products, and flexible payment options.
• CIC Insurance Group — Very popular for affordable comprehensive policies and their EasyBima monthly payment plan.
  
  

• Old Mutual (8% increase in search interest)
• AAR Insurance (6% increase)
• APA Insurance
• ICEA Lion
• Madison Insurance
• Heritage Insurance (Liberty)
• Directline Insurance and Trident Insurance (both showing strong growth)
  
  

• Toyota Corolla (KSh 1.8M value) → KSh 45,000 – 80,000 per year
• Toyota Probox / NZE → KSh 35,000 – 65,000 per year
• SUVs and premium vehicles → Higher depending on model and accessories
  
  

• Vehicle make, model, age, and value
• Your age, driving experience, and claims history
• Parking location (Nairobi vs. upcountry)
• Security features (alarm, tracker)
• Chosen excess amount
  
  

• Vehicle age usually below 15 years (some exceptions apply)
• Minimum vehicle value (often KSh 500,000 and above)
• Professional valuation report
• Valid logbook (log book)
• National ID or Passport
• KRA PIN
• Valid driving licence
• Roadworthy condition
  
  

1. Assess Your Needs — Private, commercial, PSV, or fleet?
2. Compare Quotes — Get offers from at least 3–5 companies or use a licensed broker.
3. Provide Accurate Information — Non-disclosure can void your policy.
4. Choose the Best Package — Balance price, benefits, and insurer reputation.
5. Pay Securely — Mobile money, bank transfer, or card. Choose monthly instalments if needed.
6. Receive Your Policy Documents — Digital certificate and full policy wording.
7. Stick the Insurance Sticker and drive with confidence.
   
   

1. Notify your insurer immediately (within 24–48 hours)
2. Obtain police abstract where necessary
3. Submit photos, repair quotations, and required documents
4. Vehicle assessment by insurance surveyor
5. Repairs at approved garage or cash settlement
   
   

• Compare top providers instantly
• Enjoy Lipa Mdogo Mdogo instalments
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