• By Raymond Momanyi

Does Comprehensive Car Insurance Cover the Driver and Family?

In Kenya, a Comprehensive Motor Insurance policy does cover the driver’s car and third parties, but not automatically the driver’s own injuries or their family’s medical costs.

Here’s the truth:

• The car itself is protected against accident damage, theft, fire, and vandalism.
• Third parties (other vehicles, pedestrians, or property) are covered if you cause damage or injury.
• Passengers in your car are covered only if your policy has a “Passenger Legal Liability (PLL)” extension.

But for you, the driver, you need an extra plug-in:
👉 Personal Accident (PA) Cover — this protects you, the owner/driver, for injuries, disability, or death caused by a car accident.

And for your family? Add:
👉 Occupants’ Personal Accident (OPA) Cover — extends to family or any authorized passengers in your private car.

So no, standard comprehensive insurance alone doesn’t automatically shield everyone inside. You need these extensions.

🧾 Case Scenario: Private Car vs PSV Taxi Accident

Imagine this:
 A private car is cruising with a family of four. A PSV taxi carrying two passengers joins the same road. Suddenly, there’s a collision at an intersection. Both vehicles are insured comprehensively and have Excess Protector add-ons.

Here’s how this unfolds:

Step 1: Accident Report

• Both drivers must report to the police immediately.
• Each must obtain a police abstract and have photos or witness statements if possible.

Step 2: Assessment & Liability

• The insurance companies appoint assessors (sometimes through firms like MyAsset Auto Valuers & Assessors Ltd) to inspect both vehicles.
• Fault determination begins. If one driver is clearly at fault, their insurer covers the third-party losses.

Step 3: Claims Breakdown

• The private car owner files a comprehensive claim for their car’s repairs.
• Their family’s injuries will be compensated only if the policy includes Occupants’ Personal Accident Cover.
• The PSV taxi owner also files a claim for vehicle damage.
• The two PSV passengers are compensated under the taxi’s Passenger Legal Liability (PLL) cover.

Step 4: Excess Protector Advantage

Since both have Excess Protector, they won’t pay the usual 2.5% or minimum KSh 5,000 excess out of pocket for repairs — that’s covered.

Step 5: Repair & Settlement

• Insurers authorize repairs at approved garages.
• Once all documents (abstract, claim form, ID, license, logbook copy, etc.) are in, processing takes 7–21 days depending on assessment and workshop timelines.

🧩 Covers You Should Add to Be Fully Protected

1. ✅ Personal Accident Cover – for driver’s own injuries/death.
2. ✅ Occupants’ Personal Accident Cover – for family or passengers.
3. ✅ Political Violence, Terrorism & Riot Cover – if you drive in volatile areas.
4. ✅ Courtesy Car Extension – for mobility during repairs.
5. ✅ Road Rescue & Towing Extension – because Kenya’s roads can surprise you anytime.

💬 Insurance Wisdom

Insurance is peace of mind — but only when you’ve read the fine print. Most people assume “comprehensive” means “everything,” but it’s only as powerful as the extensions you add.

Before renewing or buying, talk to experts who understand Kenyan realities — like Imana Insurance Agency Kenya Ltd.
They’ll help you compare options from trusted insurers and get a quote that fits your lifestyle.

📍 Visit: www.imana.co.ke | www.mykava.co.ke

📞 Call/WhatsApp: 0113619635 / 0745218460 / 0113806810
📍 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi

Comprehensive car insurance Kenya

• Private car insurance cover
• PSV insurance claims Kenya
• Passenger legal liability Kenya
• Excess protector benefits
• Personal accident cover Kenya
• Car insurance for families Kenya
• Imana Insurance Agency Kenya

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