Every time you get on the road, you're exposed to a range of risks — from accidents and vehicle damage to theft, fire, and injury. Motor insurance protects you from the financial burden, covers damage to your vehicle, and ensures you meet legal requirements in Kenya. We tailor your cover based on car type, usage, and budget.
Private Motor Vehicles
Vehicles used for personal and private purposes.
What does comprehensive motor private insurance cover
- Accidental Damage
- Malicious Damage
- Theft
- Fire
- Third Party Liabilities
- Floods
Other benefits covered but can be enhanced by the client
- Towing cover
- Motoring assist
- Emergency medical expenses
- Windscreen cover
- Stereo/entertainment unit
Optional adds-on to the cover more premium
- Political violence and terrorism
- Personal accident
- Excess protector
- Courtesy car/Loss of use
- AA membership
Requirements for comprehensive cover (Private & Commercial Vehicles)
- Fully completed proposal form
- Copy of the proposer's driving licence
- Copy of the vehicles log-book
- PIN Certificate
- Evidence of anti-theft device
- Current valuation report if the car has not been evaluated for 18 months.
What happens when your vehicle get involved in an accident?
- Report a claim immediately or within 24-48 hours using the claim support and share the following;
- a police abstract
- fill in a claim form
- a copy of the driving license
- copy of logbook
Commercial Motor Insurance
Comprehensive motor commercial insurance is designed to indemnity business people, firms and large corporations against accidental loss or damage to the motor vehicle and its accessories whilst on daily business operations as well as protection against legal liability to third parties. These includes
- Motor PSV: Chauffeur Driven (Uber, Bolt, Little Cab, Faras, etc.)
- Motor PSV matatu - For 7–39-seater vehicles in public transport with higher third-party risk
- Motorcycle & Three-Wheeler tuktuk - Covers motorcycles and tuk-tuks used for personal or commercial activities, including boda-boda and delivery services.
- Institutional Motor - motor vehicles owned by companies, NGOs, and institutions like schools and used for official duties.
- Motor Trade Insurance - Designed for motor dealers, garages, and car yards, this cover protects vehicles that are being sold, repaired, serviced, or tested on the road and may cover multiple vehicles under one policy.
What is covered
- Covered Losses
- Own Damage
- Theft & Fire damage
- Third Party Property Damage
- Third Party Bodily Injury
Optional benefits
- Political violence and terrorism
- Personal accident
- Excess protector
- Courtesy car/Loss of use
- AA membership
Enjoy premium discounts if you are insuring a fleet of vehicles based on:
- Detailed claims history - past 3 years
- Detailed fleet profile - past 3 years
- Area of usage
- Fleet management program
What happens when your vehicle get involved in an accident?
- Report a claim immediately or within 24-48 hours using the claim support and share the following;
- a police abstract
- fill in a claim form
- a copy of the driving license
- copy of logbook
Third party only cover (TPO)
What it is
It protects you against legal liability arising from injury, death, or property damage caused to third parties. This cover does not compensate for loss or damage to your own vehicle and is ideal for motorists seeking for a cover that is very affordable and for the purpose of legal compliance.
What it covers
- Third party property damage
- Injury or death to third parties
- Third party legal liabilities
Note: This cover does not compensate you for loss or damage to your own vehicle and is ideal for the purpose of legal compliance.
Third party fire and theft
What it is
provides extended protection by covering third-party liabilities as well as loss or damage to your vehicle resulting from fire or theft. It offers a practical balance for vehicle owners who want added security beyond basic third-party cover.
What it covers
- Third party property damage
- Injury or death to third parties
- Third party legal liabilities
- Compensation resulting damage by fire
- Compensation resulting from theft of the vehicle
Comprehensive cover
What it is
It covers third-party liabilities and damage to your own vehicle caused by accidents, fire, theft, vandalism, and natural perils such as floods. Additional benefits may include towing services, windscreen cover, excess protector and optional add-ons for enhanced convenience and peace of mind
- Accidental Damage
- Malicious Damage
- Theft
- Fire
- Third Party Liabilities
- Floods
Other benefits covered but can be enhanced by the client
- Towing cover
- Motoring assist
- Emergency medical expenses
- Windscreen cover
- Stereo/entertainment unit
Optional adds-on to the cover more premium
- Political violence and terrorism
- Personal accident
- Excess protector
- Courtesy car/Loss of use
- AA membership
Requirements for comprehensive cover (Private & Commercial Vehicles)
- Fully completed proposal form
- Copy of the proposer's driving licence
- Copy of the vehicles log-book
- PIN Certificate
- Evidence of anti-theft device
- Current valuation report if the car has not been evaluated for 18 months.
What happens when your vehicle get involved in an accident?
- Report a claim immediately or within 24-48 hours using the claim support and share the following;
- a police abstract
- fill in a claim form
- a copy of the driving license
- copy of logbook
