• By Raymond Momanyi

PSV & Boda Boda Insurance in Kenya — What’s Covered and What’s Not

PSV, taxi, or boda boda? Here’s how to choose the right insurance cover for your vehicle class in Kenya and avoid rejected claims.
 
 Every day, boda riders and taxi drivers move Kenya. But many are unknowingly driving under the wrong insurance class. That mistake can make your insurer reject your claim entirely.
 
Classes of PSV Insurance:
 

• PSV – Taxi / Ride-hailing (Uber, Bolt): Covers passengers + vehicle damage + third-party injuries.
• PSV – Matatu / Bus: For licensed public transport vehicles, includes Passenger Legal Liability.
• PSV – Motorcycle (Boda Boda): Can be Comprehensive or Third-Party Only. Comprehensive includes theft, fire, and personal accident benefits.

What’s NOT covered:
If your motorbike is insured as Private Use but carries passengers for pay, that’s misrepresentation—it voids the policy. Same for a “Commercial Own Goods” vehicle used for hire.

Why it matters:
Claims are paid only when the use matches the policy. Always disclose the true use at the point of cover.

Get the right PSV insurance today. Compare quotes at www.imana.co.ke
or www.mykava.co.ke
📞 0113619635 / 0745218460 / 0113806810
🏢 4th Floor Krishna Centre, Woodvale Grove, Westlands, Nairobi
 
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