• By Raymond Momanyi

Comprehensive vs Third-Party: Which Car Insurance Truly Saves You in Kenya?

Choosing between comprehensive and third-party car insurance in Kenya? Here’s what each covers, what it costs, and why the difference could save—or cost—you hundreds of thousands.

Every Kenyan driver knows that renewal week means endless calls, Mpesa transactions, and last-minute panic. But let’s be honest—most people just buy any cover to stay on the road.
That’s dangerous.

Third-Party Only (TPO) is the bare minimum required by law. It covers injuries or damage you cause to others—but not a single scratch on your own car. It’s cheap (around KSh 4,560–7,574 yearly depending on vehicle type), but it’s limited.

Comprehensive Cover, on the other hand, pays for your car too—accidents, theft, fire, floods, vandalism, riots, and even third-party injuries. It’s the difference between losing your car and getting a replacement.

Why it’s better:
 

• You’re protected from unpredictable Nairobi traffic chaos
• You get Excess Protector, Political Violence & Terrorism, Windscreen and Flood Cover add-ons
• Claims are smoother through a licensed intermediary like Imana Insurance Agency Kenya Ltd

Pro tip: Always ask your agent to explain vehicle class (private, PSV taxi, commercial, or motorcycle). That determines your premium.

Talk to Imana Today
Compare and buy today at www.imana.co.ke or www.mykava.co.ke.
Call/WhatsApp 0113619635 / 0745218460 / 0113806810
4th Floor Krishna Centre, Woodvale Grove, Westlands, Nairobi
 
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