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COMESA Yellow Card Insurance: Everything You Need to Know Before Driving Across East Africa
22Oct

COMESA Yellow Card Insurance: Everything You Need to Know Before Driving Across East Africa

If you regularly drive across East African borders for business, tourism, or logistics — the COMESA Yellow Card Insurance is your ultimate regional motor insurance solution. It saves you from the hustle of buying separate motor insurance covers in every country you enter.

At Imana Insurance Agency Kenya Ltd, we help you compare quotes, buy your Yellow Card, and manage claims seamlessly — whether you’re driving to Uganda, Tanzania, Rwanda, or beyond.
 

What is COMESA Yellow Card Insurance?

 
The COMESA Yellow Card is a Third-Party Motor Insurance Scheme recognized across participating COMESA member countries.
It guarantees that drivers from one member country are covered against third-party liabilities (bodily injury, death, or property damage) when they cross borders into another member state.

It’s an extension of your existing Kenyan motor insurance policy — meaning you remain covered for third-party risks while driving regionally.
 

Countries Covered Under COMESA Yellow Card

 
As of 2025, the COMESA Yellow Card Scheme is accepted in 13+ African countries, including:
 

  1. Kenya
  2. Uganda
  3. Tanzania
  4. Rwanda
  5. Burundi
  6. Zambia
  7. Malawi
  8. Zimbabwe
  9. Democratic Republic of Congo (DRC)
  10. Ethiopia
  11. Sudan
  12. Eswatini (Swaziland)
  13. Lesotho


👉 Always confirm coverage before travel — Imana Insurance Agency will advise which member countries are valid under your specific insurer’s Yellow Card scheme.
 

Procedures for Buying COMESA Yellow Card Insurance in Kenya

 
Getting your COMESA Yellow Card is a quick and structured process — especially when handled by a licensed intermediary like Imana Insurance Agency Kenya Ltd or via MyKava.co.ke.

Here’s how it works:

Step 1️⃣ – Confirm Your Base Cover

You must first have an active motor insurance policy in Kenya — either Comprehensive or Third-Party Only.

Step 2️⃣ – Choose Your Travel Duration

You can purchase the COMESA Yellow Card for one month, three months, six months, or one year, depending on how frequently you travel regionally.
 
Step 3️⃣ – Provide Required Documents
 

  • Copy of your Motor Insurance Certificate (Kenya)
  • Copy of logbook (or NTSA search)
  • ID/Passport and KRA PIN of the vehicle owner
  • Travel destinations (list of COMESA countries you’ll drive through)


Step 4️⃣ – Request a Quote
 
Imana Insurance will help you compare quotes from leading insurers in Kenya that issue COMESA Yellow Cards.

Step 5️⃣ – Pay and Collect Your Yellow Card

Once payment is made (via M-Pesa Paybill 7596117, use your car registration as account number), your Yellow Card Certificate is issued instantly or within a few hours.
 

What’s Covered Under COMESA Yellow Card?

 
The Yellow Card primarily covers Third-Party Liabilities arising when your vehicle causes:
 

  • Bodily injury or death to third parties (including pedestrians and passengers)
  • Property damage belonging to others
  • Legal defense costs in foreign jurisdictions


It ensures that victims of cross-border accidents are compensated without lengthy delays or disputes about jurisdiction.
 

Example Scenario: Kenyan Driver in Uganda Accident

 
Let’s assume:
 

  • Brian, a Kenyan driver, owns a Toyota Hilux insured Comprehensive in Kenya.
  • He adds a COMESA Yellow Card extension before driving to Uganda.
  • While in Kampala, he’s involved in an accident where a pedestrian unfortunately loses their life.


Here’s what happens:
 

  1. Local Ugandan authorities file a report and assess the accident.
  2. The COMESA National Bureau (Uganda) manages the third-party compensation for the deceased pedestrian.
  3. The Kenyan insurer (through Imana Insurance Agency) reimburses the Ugandan bureau under the COMESA framework.
  4. Brian’s comprehensive policy still covers his own vehicle’s damage in Kenya — while the Yellow Card handles the third-party claim in Uganda.
  5. Imana coordinates both the cross-border paperwork and claim tracking.


✅ Result: The claim is honored regionally, and both local and cross-border laws are respected — saving the driver from costly legal exposure.
 


Why Buy Your Yellow Card Through Imana Insurance?

 
At Imana Insurance Agency Kenya Ltd, we:
 

  • Compare multiple insurer quotes for the best rate.
  • Issue your Yellow Card certificate instantly.
  • Assist with claims filing and follow-up in any COMESA member country.
  • Offer 24/7 support via WhatsApp or call.


📍 Visit us at: 4th Floor, Krishna Centre, Woodvale Grove, Westlands – Nairobi
📞 0113619635 | 0745218460 | 0113806810
🌐 www.imana.co.ke | www.mykava.co.ke

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