It is mandatory for every car on the Kenyan road to have an insurance cover. The minimum insurance cover is the Third Party Only policy. Getting an insurance cover is easy, with many car insurance companies spread across the country. Different car insurance companies offer various levels of car insurance. The following are the best motor insurance companies in Kenya.
There are three main parts of motor vehicle insurance policies in Kenya. They are the following:
- Third Party Only (TPO). This is the minimum legal requirement for car insurance in Kenya, which covers for third party liability for damage to third party property and bodily injury.
- Third Party Fire and Theft (TPF&T). This policy covers what’s covered in TPO plus insuring the car against fire, partial theft, and theft.
- Comprehensive. This is the maximum insurance cover. It covers everything covered by the two policies above and includes any other accidental damage to the vehicles including collision, overturning, effects of natural disasters such as floods and earthquakes.
How much is third party insurance in Kenya? Third party insurance is the minimum legal requirement for a car insurance policy. The cost of third party insurance in Kenya varies based on many factors. However, the cost of third party insurance can start from as low as 5,000 Kenyan shilling. However, for other car insurance companies such as Britam Kenya, third party premium is 10,085.
The Cooperative Insurance Company (CIC) has a wide presence in East Africa and especially in Kenya. It has its head office in Nairobi, Upperhill Kenya. It has offices spread across the country, and you can visit them to insure your car. They offer insurance coverage to different types of vehicles like trucks, commercial vehicles, pickups and trucks.
They offer Third Party, Third party, fire and theft car insurance, and comprehensive car insurance.
APA Insurance offers car insurance and has offices located across the country. It offers a wide variety of insurance products including medical, life and motor insurance.
It offers comprehensive car insurance, third party, fire and theft and third party only car insurance. The comprehensive car insurance covers your car against damages caused by an accident, theft, political violence and terrorism. You can purchase additional covers like the windscreen cover.
The third-party fire and theft policy covers your car against third party liabilities, accidental fire and theft. The policy covers you against liabilities to third parties like bodily injuries, property damage and theft.
UAP Old Mutual is an insurance brand that has established itself in East Africa by offering a wide variety of insurance products like life, motor, general and medical insurance.
They offer the third party only car insurance, third party fire and theft insurance and comprehensive car insurance. They have additions in the compressive cover like terrorism and violence cover. UAP does not compensate the insured if the driver was under the influence or if the car was carrying beyond its capacity. You can purchase insurance through their service dabbed EasyDirect.
Britam is available in Kenya and other African countries like Burundi, Malawi and Mozambique. It offers private car insurance and PSV motor insurance. For vehicles, it offers three main car insurance policies; Third Party Only, Third Party, Fire and Theft car insurance and Comprehensive car insurance. You can also get additional covers for specific coverage like Own Goods Vehicle insurance for business or personal use. Also, if you use commercial vehicles for hire, you can buy the general cartage vehicles insurance.
Can you buy car insurance online in Kenya? Yes, it is possible these days to buy car insurance online in Kenya with traditional insurance companies as well as new mobile insurance apps in Kenya such as Griffin and JamboSure.
Read also: Best Mobile Apps for Car Insurance
Jubilee Insurance has been in operation in many countries, including Kenya. It is considered to be one of the best motor vehicle insurance companies in Kenya. It has been in existence for over 80 years and offers a wide variety of insurance products. It has an excellent motor insurance package that varies depending on the age and value of the car. You can check for a car insurance quote online.
They only offer two motor insurance policies, third party, fire and theft and comprehensive motor insurance. Among the benefits you accrue from them include easy claims settlement, towing services, accidental and disability benefits and political and terrorism benefits.
Africa Merchant Assurance Company (AMACO) is a general insurance company. It only offers third party cover and comprehensive cover. The comprehensive cover insures the car against fire, theft and accidental damages, and material damages. The third-party cover provides protection against third-party liability. It is one of the few motor insurance companies in Kenya that offer PSV insurance.
ICEA Lion offers one of the best comprehensive car insurance in Kenya for private vehicles. The cover provides protection against third-party liabilities like bodily, injury and damage to property. You can get an additional cover like personal courtesy car and rescue services. The cover does not include political risks, terrorism or the use of a car for hire. You can get a quote online and also apply for the cover online.
Matatu are popular Public Service Vehicles (PSV) in Kenya. PSV owners including new public transport vehicles such as Uber need to make sure their vehicles are insured. However, not many insurance companies in Kenya offer PSV insurance. The best PSV insurance companies in Kenya that offer a number of policy options including Uber PSV insurance Kenya:
Getting the right car insurance in Kenya is the best way to be secure while driving on the road. Before you can buy an insurance cover from an insurer, you should compare prices. Also, check the coverage offered by each company and exclusions. Go for the cover that provides enough protection to your car.