There are three different types of motor insurance in the Kenyan market. These are:


In Third-Party insurance, your insurance plan covers injuries sustained by pedestrians and other passengers in your vehicle (excluding your family) as well as damage to their property e.g. other cars on the road.

Third-Party Fire & Theft

This type of motor insurance extends Third-Party insurance to cover fire and theft of the insured’s vehicle. An excess may be applicable. An excess is the first portion of an insurance claim that the insured is responsible for e.g. the insurance company may impose an excess of 10% of the value of the vehicle in the event of theft. This would mean that the insurance company would only you 90% of the value of the vehicle in the event of theft.

Comprehensive Motor Insurance

Comprehensive insurance extends coverage to include accidental damage to the vehicle. This is the most superior form of motor insurance hence the use of the term “comprehensive”. However, the scope of coverage will differ from company to company. Some companies now provide superior covers that include:

  • Emergency medical expenses reimbursement (For full coverage see our medical insurance page)
  • Costs for protection, recovery and removal of the car from the accident scene.
  • Excess protection.
  • Political Violence and Terrorism.
  • Car hire.
  • Air and Road Ambulance.
  • Membership of AA Kenya

If you would like to find out more about Motor Insurance or for a no-obligation quote, do not hesitate to request a quote and one of our insurance gurus will get back to you.


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