• By Raymond Momanyi

Motor Insurance Classes in Kenya: What You Need to Know Before Buying a Policy

When it comes to car insurance in Kenya, one thing is clear: the law doesn’t give you a choice. Every car on Kenyan roads must be insured, and the Insurance Regulatory Authority (IRA) has laid out specific motor insurance classes that determine what risks you’re covered against. Yet, many car owners don’t fully understand the difference between these covers — until an accident happens.

At Imana Insurance Agency Kenya Ltd, we’ve seen it all: drivers who only discovered the limits of their cover after a claim, businesses shocked by exclusions, and PSV operators navigating complex policies. That’s why understanding the types of motor insurance classes in Kenya is key before you buy.

1. Third-Party Only (TPO) Cover

• Definition: This is the minimum legal cover in Kenya.
• What it covers: Injuries or property damage you cause to third parties.
• What it does NOT cover: Your own car’s damage, theft, or fire.
• Typical users: Budget-conscious drivers, or those with older cars where comprehensive doesn’t make financial sense.

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2. Third-Party, Fire & Theft (TPFT) Cover

• Definition: A middle-tier cover that adds extra protection.
• What it covers: Everything in TPO plus your car if it is stolen or damaged by fire.
• What it does NOT cover: Accidental damage to your own car.
• Why it matters: If your car is relatively valuable but you can’t stretch to comprehensive, TPFT can be a smart compromise.

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3. Comprehensive Cover

• Definition: The gold standard of motor insurance in Kenya.
• What it covers: Third-party liabilities + your own car’s damage (accidents, fire, theft, riots, floods, natural disasters depending on policy).
• Add-ons available: Excess protector, political violence & terrorism cover, windscreen cover, courtesy car, road rescue.
• Best for: New vehicles, high-value cars, businesses with fleets, or anyone who wants peace of mind.

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Other Classes by Vehicle Use

Kenyan insurers don’t just classify motor insurance by cover level. They also segment it based on how the vehicle is used:

• Private Cars – for personal errands and family use.
• Commercial Vehicles – for business, delivery, transport of goods.
• Public Service Vehicles (PSV) – matatus, taxis, buses, boda bodas.
• Special Classes – car hire, chauffeur driven, institutional vehicles.

Each class comes with unique pricing and risks — meaning the insurance premium you pay will always reflect your car’s use.

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Why Choose Imana Insurance Agency?

At Imana Insurance Agency Kenya Ltd, based at 4th Floor, Krishna Centre, Woodvale Grove, Westlands Nairobi, we work with trusted insurers across Kenya and East Africa to give you the freedom to Compare, Save, and Buy the right cover.

Whether you need:

• Private car insurance from as low as KSh. 1,500,
• PSV taxi third-party cover from KSh. 7,574, or
• Comprehensive insurance for peace of mind,

we’ll get you instant motor insurance quotes online and deliver your certificate on WhatsApp within minutes.

📞 Call/WhatsApp: +254 796 209 402 | 0745 218 460 | 0113 806 810
🌐 Visit: www.imana.co.ke | www.mykava.co.ke

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Inaurance Wisdom

So, how many types of motor insurance classes exist in the Kenyan market? Broadly three: Third-Party Only, Third-Party Fire & Theft, and Comprehensive. But when you add usage categories like private, commercial, and PSV, the real answer is — there’s a cover for everyone.

Don’t wait until you’re in a police cell or staring at a wrecked car to learn what your policy actually means. Talk to Imana Insurance today.