Blog Details
Diskava. Beta. Kava
29Oct
Best Car Insurance in Kenya – Compare, Save & Drive with Confidence
When it comes to protecting your car, peace of mind is everything. Whether you drive a personal car, a commercial truck, or a PSV taxi, having the right motor insurance in Kenya is not only a legal requirement — it’s smart financial protection.
In this blog, we break down everything you need to know about car insurance in Kenya — from the types of covers, costs, benefits, claims, and how Imana Insurance Agency Kenya Ltd and MyKava Online Insurance Shop help you compare quotes, buy online, and save instantly.
Types of Car Insurance in Kenya
1. Comprehensive Car Insurance
This is the most complete cover available. It protects your car, third parties, and additional risks such as theft, fire, floods, vandalism, and political violence.
What’s Covered:
- Accidental damage to your car
- Theft or fire
- Third-party injury, death, or property damage
- Floods, storms, and natural disasters
- Windscreen and entertainment system (optional or free in some covers)
- Political Violence & Terrorism (PVT)
- Medical expenses for occupants
- 24/7 Roadside Assistance
- Courtesy Car or Loss of Use
How Much It Costs:
Comprehensive car insurance in Kenya ranges between 3% and 7% of the car’s value per year.
For example:
- Small cars: from Ksh. 25,000 per year
- SUVs: from Ksh. 30,000 per year
- Premium vehicles: customized quotations available
💡 At Imana Insurance, you can compare comprehensive quotes from 15+ top insurers and find the best deal within minutes.
2. Third-Party Only (TPO) Insurance
This is the minimum legal requirement under the Traffic Act. It covers damage or injury to other people but not your own car.
What’s Covered:
- Death or injury to third parties (passengers, pedestrians, other drivers)
- Damage to third-party property
How Much It Costs:
- Private Cars – from Ksh. 4,560 per year
- Commercial Vehicles – from Ksh. 5,063 per year
- PSV Taxis / Ride-Hailing (Uber, Bolt, Little Cab) – from Ksh. 7,574 per year
TPO is affordable and ideal for older cars or low-mileage vehicles.
Classes of Car Insurance in Kenya
Kenya’s motor insurance is divided into categories depending on the vehicle’s use:
- Private Motor Insurance – for personal or family cars.
- Commercial Own Goods – covers vehicles carrying the owner’s goods (e.g., pickups, canters).
- Commercial General Cartage – for trucks transporting goods for hire or reward.
- PSV Taxi / Ride-Hailing – for Uber, Bolt, Little Cab, etc.
- PSV Matatu / Bus / School Bus – covers passenger vehicles and school transport.
Each class can be insured on Comprehensive or Third-Party basis depending on your budget and risk level.
Add-On Benefits to Consider
Enhance your car insurance cover with optional or free extensions available through Imana Insurance and MyKava:
- Excess Protector: Covers your contribution in case of a claim.
- Road Rescue / Breakdown Assistance: 24/7 help when stranded.
- Loss of Use / Courtesy Car: Temporary transport while your car is repaired.
- Windscreen & Entertainment System Cover: For damage to car accessories.
- Political Violence & Terrorism (PVT): Essential in Kenya’s risk environment.
- Personal Accident Cover: Extends protection to the driver and family.
- Free Vehicle Valuation: Offered by MyAsset Auto Valuers — a trusted partner of Imana.
How to Buy or Renew Car Insurance Online in Kenya
Buying car insurance online has never been easier!
Through Imana Insurance and MyKava, you can get covered in minutes:
- Share your car details – Logbook, ID, KRA PIN.
- Compare quotes – from over 15 licensed insurers.
- Make payment – via Mpesa Paybill 7596117, use your car registration number as account.
- Get your e-Certificate – delivered instantly via email or WhatsApp.
⏱️ Average time: 10–30 minutes.
What To Do In Case of a Claim
- Notify your insurer or broker (Imana) immediately after the accident.
- Obtain a police abstract from the nearest station.
- Fill in the claim form provided by the insurer or through Imana.
- Take photos of the vehicle and accident scene.
- Submit documents (logbook, driver’s license, insurance certificate, police abstract, claim form).
- Assessment and repair authorization follow, usually within 3–5 working days.
Imana’s claims support team ensures fast, transparent, and stress-free claims — helping you get back on the road quickly.
Why Choose Imana Insurance or MyKava?
- Compare motor insurance quotes from 15+ top-rated insurers in Kenya.
- Transparent and affordable pricing — from as low as Ksh. 1,500.
- Fast online renewal and certificate delivery.
- 24/7 customer support and claims guidance.
- Award-winning, IRA-licensed, and trusted across Kenya and East Africa.
📍 Visit us: 4th Floor, Krishna Centre, Woodvale Grove, Westlands – Nairobi
🌐 Web: www.imana.co.ke | www.mykava.co.ke
📞 Call/WhatsApp: 0113619635 | 0745218460 | 0113806810
Insurance Wisdom
Whether you drive a private car, commercial truck, or PSV taxi, having the right car insurance cover in Kenya gives you confidence every time you hit the road.
With Imana Insurance Agency Kenya Ltd, you can compare quotes, save money, and get covered instantly.
Because at Imana, we believe in “Full Protection, Zero Stress.”