Get the best motor vehicle insurance in Kenya. Compare comprehensive, third party, and commercial vehicle insurance options. Protect your car today.
Motor vehicle insurance is mandatory in Kenya and provides crucial protection for your vehicle, yourself, and other road users. Whether you own a saloon, SUV, or commercial vehicle, comprehensive motor insurance protects you from financial losses due to accidents, theft, and third-party liability claims.
Covers damages you cause to other vehicles or property. This is the legal minimum requirement in Kenya for all vehicles on the road. Does not cover damage to your own vehicle.
Adds protection against vehicle theft and fire damage to the third-party coverage. Suitable for older vehicles or those with lower market value.
Complete protection including third-party liability, theft, fire, collision, and accidental damage. Ideal for new, financed, or high-value vehicles.
| Coverage Type | Third Party | Fire & Theft | Comprehensive |
|---|---|---|---|
| Third-party liability | ✓ | ✓ | ✓ |
| Fire damage | - | ✓ | ✓ |
| Theft | - | ✓ | ✓ |
| Collision damage | - | - | ✓ |
| Windscreen coverage | - | - | ✓* |
| Personal accident | - | - | ✓ |
| Legal protection | - | - | ✓* |
*Optional add-ons available with comprehensive plans
Newer and more expensive vehicles typically have higher premiums due to replacement costs.
Young or inexperienced drivers face higher premiums. Drivers over 75 may also pay more.
Urban areas with high accident rates or theft risk may have higher premiums. Mileage also affects pricing.
Previous claims increase your premium. No-claim discounts reward safe driving over time.
Comprehensive coverage costs more than third-party. Deductibles and add-ons also impact the final premium.
Indicative annual premiums in Kenya (2024) based on vehicle value and coverage type:
Note: Premiums vary by insurer, location, driver profile, and claims history. Always get multiple quotes.
The right insurance depends on your vehicle, financial situation, and risk tolerance. Here's a quick guide:
Covers repairs and replacement of windscreen, windows, and lights due to impact.
Cost: KES 500-2,000/year
Provides lump-sum benefits for death, permanent disability, or medical expenses for occupants.
Cost: KES 1,000-3,000/year
Extends coverage for injuries to your passengers beyond basic third-party limits.
Cost: KES 2,000-5,000/year
Covers legal fees and court costs if you're involved in a dispute following an accident.
Cost: KES 1,500-3,500/year
Provides a rental vehicle while yours is being repaired after a claim.
Cost: KES 3,000-8,000/year
24/7 emergency support including towing, fuel delivery, and lockout assistance.
Cost: KES 2,000-6,000/year
No accidents or traffic violations = no-claim discounts and lower renewal premiums
A higher deductible (e.g., KES 50K instead of KES 10K) significantly reduces your premium
Vehicles with alarms, GPS trackers, and anti-theft systems qualify for discounts
Combine motor and home insurance with the same provider for package discounts
Parking in a secured garage or well-lit lot reduces theft risk and may lower premiums
Paying your full premium upfront is usually cheaper than monthly installments
Get quotes from multiple insurers. Prices vary significantly, so don't settle for the first quote
Be honest about everyone who drives the vehicle. Hidden drivers can void your policy
Third-party only covers damages you cause to others. Comprehensive covers both third-party liability AND damage to your own vehicle from accidents, theft, fire, and weather.
Yes, at least third-party liability coverage is mandatory for all vehicles on the road. You cannot legally drive without it.
Typically 7-14 days for straightforward claims, but complex claims involving multiple parties or significant damage can take 30+ days.
Most insurers increase premiums after a claim. A no-claim discount is lost, and rates may increase by 10-50% depending on fault and claim amount.
Yes, but check for penalties. Most policies allow cancellation with written notice, though you may lose unused premium depending on terms.
A deductible is the amount you pay towards a claim. For example, if your deductible is KES 10,000 and repair costs are KES 50,000, you pay KES 10,000 and insurance covers KES 40,000.
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