• By Raymond Momanyi

Car Insurance in Kenya

Car insurance in Kenya is mandatory for all motor vehicle owners under the Traffic Act. It ensures that drivers are financially protected against liabilities arising from accidents, including damage to property, injury, or death. Here’s a breakdown of the main types of car insurance covers available in Kenya:

1. Third-Party Car Insurance

• Coverage:
  Covers injuries or damages to third parties (people and property). It does not cover damages to the insured’s vehicle or personal injuries.
• Cost:
  This is the cheapest option, with premiums starting from as low as Ksh. 1,500 annually.
• Requirement:
  It is the minimum legal requirement to drive on Kenyan roads.

2. Third-Party, Fire, and Theft

• Coverage:
  Includes all third-party liabilities and additional coverage for damage caused by fire or theft of the insured vehicle.
• Best For:
  Vehicle owners who want enhanced coverage without opting for full comprehensive insurance.

3. Comprehensive Car Insurance

• Coverage:
  Offers the most extensive coverage, including:
• Third-party liabilities.
• Damage to the insured’s car.
• Theft or fire damage.
• Personal accident cover.
• Legal costs.
• Cost:
  Premiums are higher but vary depending on the vehicle’s value, make, and usage.
• Best For:
  Owners of high-value cars or those seeking peace of mind.

Factors That Affect Insurance Premiums

1. Car Value: Higher-value vehicles attract higher premiums.
2. Driver Profile: Age, driving experience, and claims history matter.
3. Vehicle Use: Private or commercial usage can impact costs.
4. Insurance Provider: Different companies offer varying rates and benefits.

Why Buy Car Insurance Online?

• Convenience: Get insured within minutes from platforms like Imana Insurance Agency Kenya Ltd or MyKava Online Insurance Shop.
• Compare Quotes: Easily compare prices and benefits from multiple insurers.
• Affordable Options: Online platforms offer discounts and competitive pricing.

For more information or assistance in comparing and purchasing car insurance in Kenya, visit us at 4th Floor Krishna Centre, Woodvale Grove, Westlands, Nairobi or call 0113619635, 0745218460, or 0113806810.

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