Types of Motor Insurance Covers in Kenya

Have you ever considered buying motor insurance covers in Kenya? As a rule of thumb; Anyone who drives a car, no matter how careful they are, is at risk of an accident.

It only takes a moment of inattention for an accident to occur, so it makes sense to protect yourself and your car with motor insurance.

There are several different types of motor insurance covers in Kenya that you should know about if you want to be sure that you and your car will be covered in the event of an accident.

The main types include third-party only, third party fire & theft, and, lastly, comprehensive.

Also, read; Best Car Insurance Companies in Kenya.

Types of Motor Insurance Covers in Kenya

The following is a list of the different types of cover available:

Third-Party only

Third-Party only is one of the cheapest and most basic levels of insurance cover. Only covers claims made by people/businesses who are not related to you.

The Kenyan law requires that all cars be insured for at least third-party only, but it is highly recommended that you have complete cover if possible.

You can take out a loan or other finance agreement to pay for your car and the cost of any damage it may have caused in an accident.

If your car is involved in an accident, you could lose your no-claims bonus and have to pay for the damage yourself, even if it isn’t your fault.

When you take out a loan or finance agreement, they must be paid off as soon as possible so you do not keep making payments on a car that you can no longer use.

If your car is insured for third-party only, you won’t be covered if it is stolen or damaged in a fire, for example.

Third-party fire & theft coverage.

Well, If you take out third-party fire & theft coverage, this will cover your vehicle against damage caused by fire and theft.

Many people will opt for this level of cover, but it is usually at the highest price.

It is recommended that this type of motor insurance cover be taken out by anyone who has a newer or more valuable vehicle that they want to protect.

Third-party fire & theft coverage usually pays out if your car is stolen or damaged by fire, but collision and comprehensive insurance are not included.

Comprehensive coverage

This level of motor insurance will protect you against a more significant number of risks, but it also costs more money. It covers your car for damage caused by an accident with another vehicle and for damage caused by fire, theft, and collision with an animal, among other things.

With the comprehensive insurance cover, your car will be protected against damage not only by you (even if it’s your fault) but also by anyone you permit to drive the vehicle. This could include children or teenagers who live with you, a spouse, or even a houseguest.

Since this type of coverage includes theft and vandalism as well as accident-related damage, if someone steals your car, you will be able to get it back.

If the vehicle is damaged by fire or can’t be found, this type of policy also pays for a hire car while yours is being repaired.


As you can see, there are several types of motor insurance coverage available to protect your vehicle and the people and things it may hit in an accident.

Now that you know about the different types of car cover, you can choose which one is right for you and your vehicle.

If you already have a policy in place, check with your insurance provider to see if they offer add-on covers like comprehensive or fully comprehensive coverage so you can decide which gives you the most protection.

To make sure your policy is valid, it is essential to check your insurance documents regularly and always follow company guidelines.

If you need help choosing between different types of coverage or if your current plan isn’t working for you, talk to an agent who specializes in automotive insurance. They can help you find a policy that fits your needs and budget.

Tim Jumah
Tim is a practising farmer based in Trans-Nzoia. His love for technology in agriculture led to the establishment of this website.



10 Major Importance of Insurance in Business

This article will list the importance of insurance in business to help understand the need for insurance for your business. You know what they say,...

How to Remove Car from Insurance Policy

Many people are misinformed about what they need to do to remove a vehicle from their insurance policy. It isn't hard, but you have...

List of Best Car Insurance Companies in Kenya

Are you looking for insurance for your motor vehicle? In this article, I will list the best car insurance companies in Kenya right now. We...