Blog Details
Diskava. Beta. Kava
29Sep
Car Insurance in Kenya: Third-Party vs Comprehensive Explained
Why Car Insurance Matters in Kenya
In Kenya, roads are unpredictable — from Nairobi’s bumper-to-bumper jams, to boda bodas darting through traffic, to long-haul trucks along the Great North Road. Accidents happen, cars get stolen, and floods sweep through estates when the rains hit. That’s why car insurance isn’t just a legal requirement — it’s your financial shield.
At Imana Insurance Agency Kenya Ltd, we believe car insurance should be simple, affordable, and fast. That’s why we’ve partnered with leading insurers in Kenya and East Africa to help you Compare, Save & Buy car insurance online or via WhatsApp. The big question most drivers ask is:
👉 Should I buy Third-Party Only (TPO) insurance or Comprehensive insurance?
Let’s break it down — no jargon, just the truth.
What is Third-Party Only (TPO) Car Insurance?
Third-Party insurance is the minimum legal requirement for all vehicles in Kenya under the Insurance Act.
What it Covers:
- Injury or death to third parties (other people).
- Damage to third-party property (other people’s cars, buildings, or roadside structures).
What it Doesn’t Cover:
- Damage to your own car.
- Theft of your car.
- Fire, floods, riots, or vandalism.
Example:
Kevin, a boda boda rider, is hit by Sylvia’s Mazda CX-5. If Sylvia has Third-Party insurance only, her insurance will cover Kevin’s hospital bills and the damage to his bike. But if Sylvia’s car is badly damaged, she’ll pay out of pocket.
Cost in Kenya:
- Private cars: from KSh. 4,560 per year
- Commercial cars: from KSh. 5,063 per year
- PSV (Taxi): from KSh. 7,574 per year
TPO is cheap, but it only protects others, not you.
What is Comprehensive Car Insurance?
Comprehensive insurance is the full package — it covers third parties and your own car.
What it Covers:
- Everything TPO covers (injury/death & property damage to others).
- Damage to your own car (from accidents, theft, fire, floods, riots, vandalism).
- Optional add-ons like political violence, terrorism, personal accident cover, roadside assistance.
Example:
Back to Sylvia and Kevin. If Sylvia had Comprehensive insurance, her insurer would:
- Pay for Kevin’s hospital bills + bike damage.
- Pay for Sylvia’s car repairs (bumper, headlights, etc.).
Cost in Kenya:
- Typically 3% – 4% of the car’s value per year.
- Example: A car worth KSh. 1,000,000 = premium of ~KSh. 30,000 – 40,000 per year.
Comprehensive costs more, but it saves you from huge financial losses.
Which One Should You Choose?
- Choose Third-Party Only if:
- You drive an older/low-value car.
- You’re on a tight budget.
- You only want to meet the legal requirement.
- Choose Comprehensive if:
- Your car is new, expensive, or financed by a bank.
- You want peace of mind from theft, floods, and accidents.
- You don’t want to pay huge repair costs from your own pocket.
At Imana, most clients with cars above KSh. 700,000 in value go for Comprehensive — it’s worth it.
How to Buy Car Insurance in Kenya
With Imana Insurance Agency Kenya Ltd, it’s easy:
- Compare quotes online at www.imana.co.ke or www.mykava.co.ke
. - WhatsApp us your logbook copy: 📲 +254796209402 / 0745218460.
- Pay online or via M-Pesa Paybil 7596117, Use Car Registration as Account Number
- Get your digital insurance certificate within 15 minutes.
Peace of Mind, Your Choice
At the end of the day, car insurance in Kenya comes down to one thing: how much risk you’re willing to carry. Third-Party will keep you legal, but Comprehensive will keep you safe.
At Imana Insurance Agency Kenya Ltd, we’ll guide you every step of the way — from choosing the right cover, comparing prices, to supporting you during claims.
💡 Don’t just drive. Drive insured, protected, and confident.
👉 Compare, Save, and Buy Car Insurance Today!
🌐 www.imana.co.ke | www.mykava.co.ke
📲 WhatsApp: +254796209402 | 0745218460
📍 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi
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