Motorcycle Insurance in Kenya
Motorcycle Insurance
Boda boda, PSV, delivery and private motorcycle cover from IRA-licensed insurers. Pay via M-Pesa. Get your certificate on WhatsApp. Cover from KES 1,500 a year.
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Motorcycle Insurance
Motorcycle insurance in Kenya starts from about KES 1,500 a year for private third-party cover, KES 3,000 for boda boda (PSV) cover and KES 8,000 for comprehensive cover. Compare quotes from licensed insurers, pay by M-Pesa and receive your certificate on WhatsApp.
Why Do You Need Motorcycle Insurance?
Who Should Buy Motorcycle Insurance?
Types of Motorcycle Insurance in Kenya
Comparison of Motorcycle Insurance Policies
What is Covered and Not Covered?
Motorcycle Insurance Price in Kenya (2026)
Factors Affecting Motorcycle Insurance Premium
How Is Your Motorcycle Insurance Premium Calculated?
How to Save on Motorcycle Insurance
Motorcycle Insurance Add-ons Explained
Best Cover Based on How You Ride
How Motorcycle Insurance Works
Which Motorcycles Are Covered?
Motorcycle Insurance Companies in Kenya (2026)
How to Compare Motorcycle Insurance Online
Why Buy Motorcycle Insurance with GetCovered Kenya
Motorcycle Insurance for Bikes on Hire Purchase
Insurance for Boda Boda SACCOs, Fleets and Delivery Businesses
Why Motorcycle Insurance Renewal Matters
Motorcycle Insurance Claim Process
Insurance for Electric Motorcycles
Common Motorcycle Insurance Terms
FAQs: Motorcycle Insurance in Kenya
Related Insurance Guides
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Motorcycle insurance in Kenya starts from about KES 1,500 a year for private third-party cover, KES 3,000 for boda boda (PSV) cover and KES 8,000 for comprehensive cover. Compare quotes from licensed insurers, pay by M-Pesa and receive your certificate on WhatsApp.
What is Motorcycle Insurance in Kenya?
Motorcycle insurance is a contract with an IRA-licensed insurer. You pay a premium and the insurer pays specified losses, such as compensation to people you injure or damage to your own bike on comprehensive cover. In Kenya it covers private motorcycles, boda boda (PSV) motorcycles and delivery motorcycles, and each class is priced and underwritten differently.
Why Do You Need Motorcycle Insurance?
Legal requirement
The Insurance (Motor Vehicles Third Party Risks) Act, Cap 405, requires third-party cover for motor vehicles used on public roads. Rules for passenger-carrying boda bodas have been subject to proposals, so verify the latest position with the IRA.
Financial protection
One serious accident can produce hospital bills and compensation claims of hundreds of thousands of shillings. Without cover, those land on you personally.
Protection against fake cover
A roadside sticker with no licensed insurer behind it fails when you claim. Genuine cover names the insurer and policy number, and you can verify the insurer at ira.go.ke.
Peace of mind and income protection
For boda boda and delivery riders, the motorcycle is the income. Cover keeps you working after a loss.
Who Should Buy Motorcycle Insurance?
Boda boda operators
You carry fare-paying passengers, so you need PSV cover with passenger liability.
Delivery and courier riders
High mileage and goods in your care need commercial cover.
Private riders and commuters
Third-party at minimum; comprehensive if the bike is new or valuable.
Buyers on hire purchase
Lenders usually require comprehensive cover.
SACCOs and fleet owners
One uninsured rider can create a claim that threatens the whole operation.
Types of Motorcycle Insurance in Kenya
Buying the wrong class of cover is a common reason claims are declined, so match the policy to how you ride.
1. Third-Party Motorcycle Insurance (Private Use)
The legal minimum for a privately used motorcycle. It pays other people you injure, and for damage to their property, if your motorcycle causes an accident.
- Covers: Third-party injury or death, third-party property damage, legal liability from your use of the motorcycle.
- Does not cover: Your own motorcycle, theft, your own medical bills, carrying paying passengers.
- Best for: Older, lower-value motorcycles ridden privately.
- Price: From KES 1,500 a year, depending on engine size, value and insurer.
2. Boda Boda (PSV) Motorcycle Insurance
For riders who carry fare-paying passengers. Adds passenger liability to third-party cover.
- Covers: Third-party liability plus passenger liability.
- Does not cover: Own-bike damage unless comprehensive is added; own injuries unless personal accident is added.
- Best for: Boda boda operators, SACCO members, owners who hire out motorcycles.
- Price: From KES 3,000 a year, depending on engine size, value and insurer.
3. Comprehensive Motorcycle Insurance
The widest cover: third-party liability plus protection for your own motorcycle.
- Covers: Accident damage, theft, fire and other insured events, subject to excess and policy terms.
- Does not cover: Wear and tear, mechanical breakdown, use outside the declared class.
- Best for: Newer or higher-value bikes, financed bikes, delivery businesses.
- Price: From KES 8,000 a year, depending on engine size, value and insurer.
4. Delivery and Commercial Motorcycle Insurance
For courier, food and parcel delivery. High mileage and frequent stops need commercial rating.
- Covers: Commercial third-party liability; on suitable policies, own-bike protection and optional goods cover.
- Does not cover: Private-use claims on a commercial risk; cover outside the declared use.
- Best for: Delivery riders, courier firms, restaurants, fleets.
- Price: From KES 4,000 a year, depending on engine size, value and insurer.
Comparison of Motorcycle Insurance Policies
Motorcycle cover types comparedCoverOwn bike damageTheftThird-partyPassengersStarting price (KES/yr)Third-party private | No | No | Yes | No | 1,500
Boda boda PSV | No | No | Yes | Yes | 3,000
Delivery / commercial | Optional | Optional | Yes | Per policy | 4,000
Comprehensive | Yes | Yes | Yes | Per policy | 8,000
Boda boda PSV | No | No | Yes | Yes | 3,000
Delivery / commercial | Optional | Optional | Yes | Per policy | 4,000
Comprehensive | Yes | Yes | Yes | Per policy | 8,000
What is Covered and Not Covered?
Typically covered
- Injury or death to third parties and damage to their property
- Passenger liability on PSV and boda boda policies
- Accident damage, theft and fire to your own bike on comprehensive policies
- Legal costs linked to covered third-party claims, subject to policy terms
Typically not covered
- Use outside the declared class, such as paying passengers on a private policy
- Riding without a valid licence for the motorcycle class
- Riding under the influence of alcohol or drugs
- Wear and tear and mechanical breakdown
- Your own injuries, unless you add personal accident cover
Always read the policy schedule and exclusions before you pay.
Motorcycle Insurance Price in Kenya (2026)
These are indicative annual premiums from our insurer panel. Your exact price appears when you request a quote.
Indicative motorcycle insurance premiums in Kenya, 2026Type of coverTypical annual premium (KES)Third-party, private, under 150cc | 1,500 - 2,500
Third-party, private, 150cc - 250cc | 2,000 - 3,500
PSV / boda boda, under 150cc | 3,000 - 5,500
PSV / boda boda, 150cc - 250cc | 4,000 - 6,500
Delivery and commercial | 4,000 - 10,000
Comprehensive, bike valued KES 60,000 - 100,000 | 8,000 - 14,000
Comprehensive, bike valued KES 100,000 - 200,000 | 12,000 - 22,000
Comprehensive, bike valued KES 200,000 - 400,000 | 18,000 - 36,000
Third-party, private, 150cc - 250cc | 2,000 - 3,500
PSV / boda boda, under 150cc | 3,000 - 5,500
PSV / boda boda, 150cc - 250cc | 4,000 - 6,500
Delivery and commercial | 4,000 - 10,000
Comprehensive, bike valued KES 60,000 - 100,000 | 8,000 - 14,000
Comprehensive, bike valued KES 100,000 - 200,000 | 12,000 - 22,000
Comprehensive, bike valued KES 200,000 - 400,000 | 18,000 - 36,000
Prices change by insurer and over time. Statutory levies and stamp duty are added to the quoted premium.
Factors Affecting Motorcycle Insurance Premium
Use class
Private, boda boda (PSV) and delivery are rated separately because passenger and commercial exposure differ.
Engine capacity
Larger engines cost more to insure.
Market value
Comprehensive premiums are a percentage of the bike's value.
Insurer
Each insurer prices the same risk differently, which is why comparing saves money.
Add-ons
Personal accident, PLL and other extras raise the premium.
Claims history
A clean record can earn better terms.
Location and security
Theft-prone areas and unsecured parking can raise comprehensive rates.
How Is Your Motorcycle Insurance Premium Calculated?
Third-party premiums are largely a flat rate set by class and engine size. Comprehensive premiums are a rate applied to the motorcycle's market value, plus add-ons, levies and stamp duty.
Worked example (illustrative)
A rider with a KES 150,000 motorcycle compares comprehensive quotes. If one insurer quotes at a lower rate than another, the same bike can cost several thousand shillings less per year. This is why comparing before you buy matters. Use the quote tool for real figures.
How to Save on Motorcycle Insurance
Compare insurers
The same risk is priced differently across insurers.
Choose the right class
Do not overpay for comprehensive on a low-value bike, and do not under-insure a bike you depend on for income.
Keep a clean claims record
Ask your insurer whether a no-claims discount applies at renewal.
Secure the bike
Ask whether an anti-theft device or secure parking lowers a comprehensive quote.
Ask about a higher excess
Accepting a higher excess can reduce comprehensive premiums on some policies.
Motorcycle Insurance Add-ons Explained
Personal accident (PA)
Pays benefits for the rider's own injury or death, which third-party and PSV cover exclude.
Passenger legal liability (PLL)
Covers compensation claims from passengers carried. Standard on PSV policies; check the limit.
WIBA
Work Injury Benefits cover for employers whose riders are employees, such as courier and restaurant fleets.
Political violence and terrorism (PVT)
Extends comprehensive cover to losses from riots and civil unrest, where the insurer offers it.
Excess protector
Reduces what you pay out of pocket on a comprehensive claim, where available.
Riding gear and accessories
Some insurers cover fitted accessories if declared on the schedule.
Best Cover Based on How You Ride
Cover suggestions by rider typeRiderSuggested coverBoda boda riders | PSV with passenger liability, plus personal accident.
Delivery riders | Commercial cover; comprehensive if the bike is financed or high value.
Private commuters | Third-party, or comprehensive for a newer bike.
Bike on hire purchase | Comprehensive with the lender as interested party.
SACCOs and fleets | Fleet quote, correct class per bike, WIBA for employed riders.
Delivery riders | Commercial cover; comprehensive if the bike is financed or high value.
Private commuters | Third-party, or comprehensive for a newer bike.
Bike on hire purchase | Comprehensive with the lender as interested party.
SACCOs and fleets | Fleet quote, correct class per bike, WIBA for employed riders.
How Motorcycle Insurance Works
Buy
Choose a policy for your use class.
Pay
Pay the premium by M-Pesa.
Get covered
Cover starts on the date shown on your certificate.
Claim
Report the loss, then submit documents.
Settlement
The insurer pays valid claims per policy terms.
Real-life example
A boda boda rider on a private policy has a passenger injured. The claim is declined because the bike was used commercially, and the rider pays the bill. The same rider on PSV cover would have passenger liability in place.
Which Motorcycles Are Covered?
Bajaj Boxer, TVS, Honda, Yamaha, Haojue, Hero, Suzuki, Boxer and electric motorcycles can all be insured, subject to insurer underwriting. Tuk tuks are a separate class; ask us for a quote.
Motorcycle Insurance Companies in Kenya (2026)
We compare licensed insurers on our panel, including:
- Jubilee
- CIC
- GA Insurance
- Britam
- APA
- Directline
- Heritage (Liberty)
- Geminia
- Pioneer
- Takaful
- AMACO
Product availability varies by insurer. Your quote shows the options open to you.
How to Compare Motorcycle Insurance Online
- Know your use. Decide whether you ride privately, carry passengers or deliver goods.
- Have your details ready. Registration number, engine capacity, chassis number, ID and KRA PIN.
- Compare quotes. Enter details and compare insurers on our panel side by side.
- Pay by M-Pesa. Confirm payment with an STK push.
- Receive your certificate on WhatsApp. Your digital certificate arrives after payment.
Documents you will need
- National ID or passport number
- KRA PIN
- Motorcycle registration number and logbook details
- M-Pesa-registered phone number
- For boda boda cover: operating details and SACCO membership number, where applicable
Why Buy Motorcycle Insurance with GetCovered Kenya
IRA-licensed insurers only
Every policy is underwritten by a licensed insurer named on your certificate.
Compare before you buy
See quotes side by side.
Pay by M-Pesa
STK push, no cash handling.
Certificate on WhatsApp
Digital proof of cover after payment.
Real people to help
Chat before you buy and when you claim.
Motorcycle Insurance for Bikes on Hire Purchase
Lenders, SACCOs and microfinance providers usually require comprehensive cover with the lender noted as an interested party. If the bike is stolen or written off, the payout clears the loan first. Check your loan agreement, as third-party cover may breach it.
Insurance for Boda Boda SACCOs, Fleets and Delivery Businesses
We arrange fleet and multi-motorcycle quotes, the correct class per bike, comprehensive cover for financed bikes, WIBA and personal accident cover, and claims support.
Why Motorcycle Insurance Renewal Matters
Continuous cover
An accident after expiry is uninsured.
Avoid penalties
Riding uninsured can lead to penalties.
Retain discounts
Ask your insurer how renewal affects your claims record and discounts.
Avoid re-underwriting
Renewing before expiry usually avoids fresh underwriting.
Motorcycle Insurance Claim Process
After an accident
- Make sure everyone is safe and get medical help.
- Report to the police if there are injuries or serious damage and get an OB abstract.
- Photograph the scene, the motorcycles, injuries and damage; note witness details.
- Notify GetCovered and your insurer promptly.
- Do not admit liability or agree payment at the scene.
- Submit documents and cooperate with the assessor.
If your motorcycle is stolen
- Report to the nearest police station and get an OB abstract.
- Notify us and your insurer without delay.
- Provide your logbook, keys and documents the insurer asks for.
Insurance for Electric Motorcycles
Electric boda bodas and delivery bikes can be insured. Ask insurers how they value the battery, since it is a large share of the bike's price, and whether charging equipment is covered.
Common Motorcycle Insurance Terms
Third-party liability
Your legal duty to compensate others for injury or property damage you cause.
PSV
Public service vehicle. A motorcycle carrying fare-paying passengers.
Comprehensive cover
Third-party liability plus protection for your own motorcycle.
Excess
The part of a claim you pay yourself.
Sum insured / market value
The value on which comprehensive premiums and payouts are based.
Certificate of insurance
The document proving cover, showing insurer, policy number and dates.
Interested party
A lender named on the policy so payouts reach them first.
OB abstract
Police occurrence book extract used to support accident and theft claims.
IRA
Insurance Regulatory Authority, the regulator that licenses insurers and intermediaries.
Passenger legal liability
Cover for compensation claims from passengers on your motorcycle.
FAQs: Motorcycle Insurance in Kenya
How much is motorcycle insurance in Kenya per year?
Indicative starting prices are about KES 1,500 a year for private third-party cover, KES 3,000 for boda boda (PSV) cover, KES 4,000 for delivery and commercial cover and KES 8,000 for comprehensive cover. Your premium depends on engine size, market value, use class and insurer. Request a quote for your exact price.
Is motorcycle insurance compulsory in Kenya?
Third-party insurance is required for motor vehicles used on public roads under the Insurance (Motor Vehicles Third Party Risks) Act, Cap 405. Rules for passenger-carrying boda bodas have been the subject of repeated regulatory proposals, so confirm the current position with the Insurance Regulatory Authority (IRA) or our team. Whatever the legal position, riding uninsured leaves you personally liable for any compensation.
Can I buy motorcycle insurance online in Kenya?
Yes. Compare quotes, pay by M-Pesa STK push and receive your digital certificate on WhatsApp without visiting an office, subject to the insurer's underwriting requirements.
What is the difference between private and boda boda insurance?
Private cover is for personal use only. Boda boda (PSV) cover is written for carrying fare-paying passengers and includes passenger liability. A claim involving a paying passenger on a private policy can be declined.
Does boda boda insurance cover passengers?
A suitable PSV policy includes passenger liability up to its stated limits. Private policies generally do not. Check the policy schedule for limits and exclusions.
Does third-party insurance cover my own motorcycle?
No. Third-party cover pays only for injury and damage you cause to others. Accident damage, theft and fire to your own motorcycle need comprehensive cover.
Can I pay for motorcycle insurance monthly?
Instalments are available on selected comprehensive policies, paid through M-Pesa. Lower-cost annual policies are usually paid as a single premium. Deposit and eligibility depend on the insurer.
Can I insure a motorcycle on hire purchase or a SACCO loan?
Yes. Lenders usually require comprehensive cover with the lender noted as an interested party, so a payout can clear your balance. Check your loan agreement, because third-party cover alone may breach it.
How do I check that my insurance certificate is genuine?
Check the insurer name, policy number, registration number and validity dates on the certificate, then confirm the insurer is licensed on the IRA register at ira.go.ke. Do not rely on a sticker from a roadside seller with no named insurer.
What documents do I need to buy motorcycle insurance?
National ID or passport number, KRA PIN, motorcycle registration number and logbook details, and an M-Pesa-registered phone number. Boda boda operators may also need operating or SACCO details.
Can I insure a delivery motorcycle for food or parcel delivery?
Yes, but delivery use needs the commercial class of cover. A private policy may not respond to a claim that arises during delivery work.
How fast will I receive my certificate?
After payment is confirmed, your digital certificate is sent on WhatsApp, usually within minutes. Timing can vary if the insurer needs extra underwriting information.
What should I do if my motorcycle is stolen?
Report to the nearest police station immediately and get an OB abstract, then notify us and your insurer without delay. Theft is covered only on comprehensive policies. Keep your logbook and keys, as the insurer will ask for them.
Does motorcycle insurance cover me if I ride without a valid licence?
Usually not. Riding without a valid licence for the motorcycle class, or under the influence of alcohol or drugs, is a standard exclusion and can lead to a declined claim.
What happens when I sell my motorcycle?
Insurance is tied to the motorcycle. Contact us to cancel and ask about any refund of unused premium, depending on insurer terms. The buyer needs a new policy in their own name.
What happens if my policy expires?
Cover stops on the expiry date, so any accident after that is uninsured. Renew before expiry. Late renewals may need fresh underwriting, and any no-claims discount rules depend on the insurer.
Related Insurance Guides
- Bike Insurance Kenya
- Motor Commercial Insurance
- Third Party Car Insurance
- Personal Accident Insurance
- WIBA Insurance
- Boda Boda Insurance in Kenya: Prices, Cover and How to Get Insured
Prices are indicative, insurer terms vary and cover is subject to policy wording and underwriting. This page is general information and not legal advice.
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