• By Raymond Momanyi

Frequently Asked Questions (FAQs) About Car Insurance in East Africa

1. What is Third-Party Only (TPO) Car Insurance?

TPO is the most basic and affordable type of motor insurance. It covers damage or injury you cause to other people, their property, or their vehicles. However, it does not cover damage to your own car. In Kenya, TPO is the minimum legal requirement for all motorists.

2. How much does car insurance cost in Kenya?

• Private Car TPO: From KSh. 4,560
• Commercial Vehicle TPO: From KSh. 5,063
• PSV Taxi TPO: From KSh. 7,574
• Comprehensive Cover: From 3% of the car’s value

Final prices depend on the insurer, the vehicle’s use, and any optional add-ons like COMESA cover.

3. What does Comprehensive Car Insurance cover?

Comprehensive cover is the highest level of protection. It includes:

• Damage to your own vehicle (accidents, fire, theft, vandalism)
• Third-party liability (injuries & property damage)
• Optional extras like windscreen, political violence, floods, and personal accident covers

4. What is the COMESA Yellow Card?

The COMESA Yellow Card is a regional insurance policy that allows you to drive across East and Central Africa with one single cover. It protects you against:

• Third-party liability in member countries
• Medical expenses after an accident
• Property damage and bodily injury

It saves you the hassle of buying different policies when traveling across borders.

5. How fast can I get my insurance certificate?

With Imana & MyKava, you can get your insurance certificate in as little as 15–30 minutes. Simply call, WhatsApp, or request online — we’ll process everything and send you the certificate digitally.

6. Do you offer flexible payment options?

Yes. We understand that times are tough, so we offer instalment (lipa pole pole) options, especially for comprehensive covers. That way, you stay insured without breaking your budget.

7. Do you assist with claims?

Absolutely! Unlike some intermediaries who disappear after selling, we stand with you during the claims process — from documentation to follow-up with the insurer — ensuring you get what you’re entitled to.

🚦 Conclusion

Car insurance doesn’t have to be complicated or expensive. Whether you’re a private car owner, a business operator, or a PSV driver, Imana & MyKava make it simple: Compare. Save. Buy.

📞 WhatsApp Now: 0796 209 402 | 0745 218 460
🌐 www.imana.co.ke | www.mykava.co.ke