• By Raymond Momanyi

Why Jaymoh’s Accident Teaches Every Kenyan Driver the Value of an Excess Protector in Motor Insurance

When Jaymoh left Nairobi heading to Kasarani along Thika Road, he didn’t expect his day to end at the police station. Unfortunately, he was involved in a road accident that left both his car and another driver’s vehicle damaged. After the police came to the scene, both cars were towed to Kasarani Police Station for formal statements and inspection. Within two hours, they were cleared and allowed to pick their cars with police abstracts in hand. 

Following his insurance intermediary’s advice, Jaymoh took his car to a garage near his home for assessment. The insurer confirmed that his comprehensive insurance would cover the repair costs—but only after he paid something called an “excess.” 

That’s when confusion set in. “Why should I pay anything if I already have comprehensive insurance?” he asked. 

Let’s break it down.  

What Is “Excess” in Motor Insurance?

 
Excess (also known as deductible) is the amount a policyholder is required to pay out of pocket when making a claim. It’s a standard clause in most motor insurance policies across Kenya.

For example, if Jaymoh’s car is valued at Ksh. 1.5M and claim amount is Ksh. 300,000, and his policy states a 2.5% excess (minimum Ksh. 25,000), he would need to pay Ksh. 37,500, while the insurer pays the rest (Ksh. 262,500).
 
This ensures that policyholders also take responsibility for a small portion of the loss, discouraging reckless driving and reducing fraudulent claims.
 

Why Does Excess Exist?

 
Insurance companies introduce excess to: 

• Encourage drivers to be more careful on the road.
• Prevent exaggerated or unnecessary small claims.
• Share part of the financial responsibility between the insurer and the insured.

So, even though Jaymoh’s car was covered comprehensively, he’s still liable to pay a small portion of the repair cost as per policy terms.
  

What Is an Excess Protector and How Does It Help?

 
Now, here’s where Jaymoh’s situation could have been different.
If he had bought an Excess Protector, he wouldn’t have paid a shilling during the repair process.

An Excess Protector is an optional add-on to a comprehensive motor insurance policy that covers or waives the policyholder’s share of excess in case of an accident.

So, in Jaymoh’s case:
✅ With a Comprehensive Cover only → He pays excess before repairs.
✅ With a Comprehensive Cover + Excess Protector → The insurer covers the entire cost, including the excess.
 

Why You Should Always Add an Excess Protector

 
An Excess Protector typically costs a small extra premium—often less than 0.3% of the vehicle’s value—yet it can save you tens or even hundreds of thousands in case of a major accident.

Benefits include: 

• No out-of-pocket expense when making a claim.
• Faster repair approvals.
• Peace of mind knowing you’re fully covered.
• Protection even if the accident is your fault (like Jaymoh’s case).

How to Add It to Your Policy

 
When buying or renewing your comprehensive car insurance, ask your insurance intermediary whether the cover includes an excess protector. If not, you can request to add it at a small additional premium.

At Imana Insurance Agency Kenya Ltd, we help car owners like Jaymoh compare quotes from top insurance companies in Kenya, ensuring they get the best value—comprehensive cover plus smart add-ons like excess protector, political violence cover, and loss of use.

You can easily get a free quotation from our online shop or WhatsApp team.
 

Need Help Choosing the Right Cover?

 
At Imana Insurance Agency Kenya Ltd and MyKava Online Insurance Shop, we help you: 

• Compare multiple car insurance quotes in minutes.
• Buy and receive your digital certificate fast.
• Save money with our expert guidance on policy add-ons.

📞 Call or WhatsApp: 0113619635 / 0745218460 / 0113806810
🌐 Visit: www.imana.co.ke | www.mykava.co.ke
📍 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi.
 
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