Blog Details
Diskava. Beta. Kava
31Oct
Political Violence & Terrorism Insurance in Kenya: How It Works, What It Covers, and Why You Need It
Kenya is a beautiful land — full of ambition, traffic jams, and unshaken hope. But let’s be honest — our peace sometimes hangs by a thread. Elections, riots, terror threats, protests, and regional instability can turn any peaceful street into chaos in minutes. That’s where Political Violence and Terrorism (PVT) Insurance steps in — the silent guardian of your car, business, and property.
What is Political Violence & Terrorism Insurance?
It’s an optional extension you can add to your motor, property, or business insurance. It protects you from financial loss caused by:
- Riots, strikes, and civil commotion (RSCC)
- Malicious damage or vandalism during unrest
- Terrorism acts (like bombings or coordinated attacks)
- Sabotage, rebellion, mutiny, revolution, or insurrection
Think of it as the backup plan for chaos — when your normal comprehensive or fire insurance refuses to pay for politically or terror-related damages.
For Vehicles (Motor PVT Cover)
Most Kenyans believe “Comprehensive” means everything is covered. Not quite.
Without adding a PVT extension, your comprehensive policy won’t compensate you if your car is damaged during riots or a terror attack.
What’s covered:
- Damage to your vehicle due to political violence or terrorism
- Loss from explosions, arson, or public disorder
- Repair or total loss settlement as per vehicle value
Typical cost:
- From 0.25% – 0.5% of your car’s insured value per year
(Example: If your car is valued at KSh 2,000,000, you’ll pay between KSh 5,000 and 10,000 extra annually for full peace of mind.)
Worth it? Absolutely. One protest gone wrong can burn through your entire savings.
For Businesses & Properties
Your shop, warehouse, or office isn’t safe either. Political violence and terrorism insurance for property or business (often called PVT-Fire extension) covers:
- Fire or explosion resulting from riots or terror attacks
- Looting and vandalism during civil unrest
- Damage to buildings, machinery, or stock
Cost estimate:
Usually 0.1% – 0.3% of the total insured sum.
Example: A business insured for KSh 10 million would pay about KSh 10,000 – 30,000 for this extension yearly.
For SMEs, Corporate, and Industrial Entities
Big factories and corporate institutions often include PVT cover within their industrial all-risk (IAR) or business interruption policies.
This can also cover loss of income if your operations stop due to political unrest or a terror event.
Why You Should Add PVT to Your Policy
Because we live in uncertain times.
One day you’re parked outside your office, the next, chaos breaks out downtown. A spark of political tension can turn into a citywide shutdown.
Adding PVT cover ensures:
- You won’t lose your asset due to events beyond your control.
- You stay financially secure even in times of unrest.
- You can resume normal life faster — no waiting for government compensation that may never come.
How to Buy or Compare PVT Insurance
You don’t have to move mountains.
At Imana Insurance Agency Kenya Ltd — and through MyKava Online Insurance Shop — you can compare quotes from multiple trusted insurance companies, get real-time advice, and add PVT extensions to your:
- Motor Private or Commercial Policies
- Business Property and SME Packages
- Industrial and Corporate Risk Covers
✅ Compare. Buy. Save.
📍 4th Floor, Krishna Centre, Woodvale Grove, Westlands
🌐 www.imana.co.ke | www.mykava.co.ke
📞 Call/WhatsApp: 0113619635 / 0745218460 / 0113806810 / 0796209402
Insurance Wisdom
Political violence and terrorism cover is that underrated plug every Kenyan should have — because peace is precious, but protection is power.
Insure your peace of mind before chaos knocks.