Blog Details
Diskava. Beta. Kava
27Oct
Comprehensive Motor Insurance in Kenya – Why It’s Better Than Third-Party Only Cover
When it comes to safeguarding your car, truck, taxi, or motorcycle, comprehensive motor insurance in Kenya stands out as the best choice for total protection. While third-party only cover may seem cheaper, comprehensive insurance gives you peace of mind knowing your vehicle is protected against almost every risk on and off the road.
How Much Is Comprehensive Motor Insurance in Kenya?
Comprehensive insurance premiums in Kenya typically range between 2.5% and 7% of your vehicle’s value per year, depending on factors such as vehicle type, use, driver history, and insurer.
For instance:
- A private car valued at Ksh.1.5M may pay around 4-6% of its value per year, translating to roughly KSh 60,000 to 80,000.
- A commercial pickup or delivery van may pay about 4%, depending on use and risk exposure.
- Heavy trucks and prime movers often range around 4.5%, with premiums starting from KSh 40,000 upwards.
- PSV taxis (Uber, Bolt, Little Cab) may pay around 4.5% of their value per year.
- PSV matatus and buses are typically higher at about 5%, due to higher passenger risk.
- Motorcycles (both private and PSV) can be insured comprehensively from as low as KSh 5,000 per year, depending on value.
💡 The higher your car’s value, the lower the percentage rate you might negotiate — especially when you compare multiple insurers through a trusted agency like Imana Insurance.
Why Comprehensive Insurance Is Better Than Third-Party Only
1️⃣ It covers your own car too.
Third-party only insurance covers damage or injury to others — not your car. If your vehicle is involved in an accident, gets stolen, or is vandalized, you’ll have to pay for repairs or replacement out of pocket. Comprehensive insurance, on the other hand, pays for both your vehicle and third-party losses.
2️⃣ Protection against fire, theft, and vandalism.
Comprehensive cover includes protection from fire, theft, riots, vandalism, floods, and even political violence or terrorism — all of which are excluded under third-party policies.
3️⃣ Access to valuable add-ons.
Comprehensive insurance lets you enhance your policy with:
- Excess protector (no need to pay the first portion of a claim)
- Courtesy car (a replacement vehicle while yours is being repaired)
- Road rescue and towing services
- Driver and passenger personal accident cover
- Political violence and terrorism protection
- COMESA Yellow Card for regional cross-border coverage across East Africa
4️⃣ Faster claims and professional support.
When you insure through a reputable agency like Imana Insurance Agency Kenya Ltd, you enjoy quick, transparent, and efficient claims processing. Imana’s team liaises directly with underwriters to ensure your claim is settled without unnecessary delays.
Why Choose Imana Insurance Agency Kenya Ltd
Imana Insurance Agency Kenya Ltd is recognized as one of the Top 5 Insurance Agencies in Kenya and East Africa, known for professionalism, transparency, and award-winning service.
Here’s why thousands of Kenyans trust Imana every year:
- Over 10 years of industry experience in motor, health, and general insurance.
- Partnerships with 15+ leading insurance companies in Kenya.
- Zero client complaints thanks to honest advice and client-first service.
- Fast claims support — no long queues, no frustration.
- Comprehensive and third-party options for all vehicle types — private, commercial, PSV taxi, matatu, school bus, motorcycle, machinery, and corporate fleets.
- Easy online quotation and purchase via www.imana.co.ke
or www.mykava.co.ke
.
Get in Touch with Imana Insurance Today
- 🌐 Website: www.imana.co.ke | www.mykava.co.ke
- 📍 Location: 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi
- ☎️ Call or WhatsApp: 0113 619 635, 0745 218 460, 0113 806 810
- 💬 Email: info@imana.co.ke
Compare, buy, and save today — and discover why Imana Insurance is your trusted risk partner for life.
Insurance Wisdom
Comprehensive motor insurance isn’t just about ticking a legal box — it’s about protecting your investment, your peace of mind, and your future. Whether you drive across counties or across borders, make sure your car, your passengers, and your livelihood are fully protected.
Choose wisely. Choose comprehensive. Choose Imana.