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10 Reasons You Should Take Comprehensive Car Insurance in Kenya
19Nov

10 Reasons You Should Take Comprehensive Car Insurance in Kenya

Driving in Kenya is an adventure. One minute you are cruising down Thika Superhighway, and the next, you are dodging a boda boda weaving through traffic or navigating a sudden "lake" formed by Nairobi rains.

While Third-Party insurance is the legal minimum requirement by the NTSA (National Transport and Safety Authority), it leaves you exposed to massive financial risks. If a matatu scratches your bumper or a tree falls on your parked car during a storm, third-party cover won’t pay a cent for your repairs.

That is why smart car owners are switching to comprehensive car insurance. It is the ultimate safety net for your vehicle.

Here are 10 reasons why you need comprehensive car insurance in Kenya today, and how Imana Insurance Agency can help you get the best rates.

1. It Covers "Own Damage" (Repairs for Your Car)

The biggest difference between third-party and comprehensive cover is that the latter pays for your repairs. If you accidentally rear-end someone on Mombasa Road, third-party insurance only fixes their car. Comprehensive car insurance fixes yours too. With the rising cost of spare parts in Nairobi, this benefit alone can save you hundreds of thousands of shillings.

2. Protection Against Theft and Carjacking

Car theft remains a reality in many parts of the country. Whether your side mirrors are plucked off in traffic or your vehicle is stolen from a parking lot, comprehensive insurance compensates you. It covers the replacement cost of your vehicle or the stolen parts, ensuring you aren't left walking after a theft.

3. Coverage for Fire Damage

Electrical faults or riots can lead to vehicle fires. A standard comprehensive policy includes fire and theft protection. If your car catches fire due to a mechanical issue or an external accident, your insurer steps in to cover the loss.

4. Protection from Natural Disasters (Floods & Falling Trees)

We have all seen the viral videos of cars submerged in floods during the rainy season in Nairobi and Mombasa. "Act of God" perils like floods, earthquakes, and storms are covered under comprehensive policies. If a heavy branch falls on your roof during a storm in Westlands, your insurance sorts the panel beating and painting.

5. Riot, Strike, and Civil Commotion (Political Violence)

In Kenya, political unrest or student strikes can sometimes lead to vehicle damage. While standard policies might have exclusions, most top car insurance companies in Kenya allow you to add Political Violence and Terrorism (PVT) cover to your comprehensive plan. This is crucial for peace of mind during election periods or civil unrest.

6. Third-Party Liability is Still Included

Just because you have comprehensive cover doesn't mean you lose the basics. It still covers Third-Party Bodily Injury and Third-Party Property Damage. If you are at fault in an accident, your insurance pays for the other person’s medical bills and car repairs, protecting you from expensive lawsuits.

7. Personal Accident Cover for You and Your Passengers

Many comprehensive policies in Kenya include a specialized benefit called Personal Accident Cover. This provides financial compensation for medical expenses or, in unfortunate cases, death or permanent disability for the driver and passengers. It is an extra layer of medical security for your family.

8. Windscreen and Radio Coverage

Did a stone crack your windscreen on a rough road upcountry? Or was your stereo system stolen? Comprehensive insurance usually has a free limit for windscreen and radio cassette replacement. This means you can replace a cracked windshield without necessarily affecting your No Claim Discount (NCD), depending on your policy terms.

9. Emergency Rescue and Towing Services

If your car stalls in the middle of the Southern Bypass at night, you don't want to be stranded. Many comprehensive packages from Imana Insurance Agency include free or discounted towing and recovery services to get your vehicle to the nearest garage safely.

10. Peace of Mind for Loan-Financed Cars

If you bought your car through bank financing, the lender will undoubtedly require a comprehensive policy. But even if you bought it cash, protecting your asset is vital. A car is likely your second biggest investment after a home. Compare car insurance quotes to ensure your asset retains its value even after an accident.

How to Get the Best Car Insurance Quotes in Kenya

Finding affordable car insurance that doesn't compromise on quality can be tricky. You need a partner who understands the local market and works with the best insurance companies in Kenya.

Imana Insurance Agency makes it easy. We help you compare policies from top-rated insurers to find a plan that fits your budget and needs.

  • Get Instant Quotes: Visit MyKava to compare rates in minutes.
  • Personalized Service: We don't just sell you a policy; we guide you through claims and renewals.
  • Trust & Experience: Located in Westlands, Nairobi, we are a trusted intermediary for thousands of Kenyan drivers.

Ready to Protect Your Car?

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