Blog Details
Diskava. Beta. Kava
07Oct
Comprehensive PSV Taxi Insurance vs. Third-Party PSV Taxi Insurance — Which One Is Better in Kenya?
🚖 The Great PSV Taxi Insurance Debate
In Kenya’s buzzing roads — from Nairobi’s morning rush to Mombasa’s midnight rides — PSV taxis (Public Service Vehicles) are lifelines of movement. But when it comes to insurance, the decision often splits into two camps: Comprehensive and Third-Party Only (TPO).
Which one’s better? Which one truly protects your hustle? Let’s unpack it.
💥 Understanding the Two
1. Third-Party PSV Taxi Insurance
This is the minimum legal requirement for any PSV in Kenya. It only covers damage, death, or injury caused to other people — not your own vehicle.
✅ What’s Covered:
- Injuries or death to third parties (passengers, pedestrians).
- Property damage to third parties.
❌ What’s NOT Covered:
- Your taxi’s damage.
- Theft, fire, or vandalism.
- Losses from riots or natural disasters.
Think of it like having an umbrella that keeps everyone else dry — except you.
2. Comprehensive PSV Taxi Insurance
This is the full armor. It protects everyone and everything — third parties, your passengers, and your own car.
✅ What’s Covered:
- All Third-Party cover benefits.
- Damage to your own vehicle (accident, fire, theft, vandalism).
- Political violence & terrorism (optional).
- Windscreen, radio, and accessories.
- Road rescue, towing, and courtesy car (in some packages).
It’s more expensive, but hey — so is peace of mind.
🚦 Real-Life Example:
Imagine your PSV taxi worth KSh 1.2 million gets involved in an accident on Waiyaki Way.
- With Third-Party, you’ll pay for your own car’s repairs — maybe hundreds of thousands.
- With Comprehensive, your insurer covers it. You might only handle the small policy excess (your contribution).
That’s the difference between going back to work in 2 weeks… or being stuck for months with a broken car and lost income.
🧭 So Which One Is Better?
If your PSV is financed, new, or your main source of livelihood — Comprehensive wins hands down.
If your car is older, low-value, and you want to meet the basic legal requirement — Third-Party is okay, but know the risks.
At Imana Insurance Agency Kenya Ltd, we always say:
“Cheap cover feels good until your taxi crashes.”
💡 Expert Tip from Imana Insurance
At Imana Insurance, we help PSV owners compare quotes from top insurers in Kenya — Pacis, Madison, Britam, Jubilee, and others — before they buy. That way, you don’t just get covered, you get value.
- 🕒 Get your PSV Taxi Insurance certificate in 30 minutes.
- 💸 Covers from as low as KSh 7,574/year (Third-Party) or 4.5% Comprehensive.
- 🌍 Add COMESA Yellow Card if you operate regionally (Uganda, Tanzania, Rwanda).
Visit us: www.imana.co.ke or www.mykava.co.ke
📲 WhatsApp/Call: 0796 209 402 / 0745 218 460
📍 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi.
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