• By Raymond Momanyi

How Does Third-Party Car Insurance Work in Kenya?

🌍 Legal Requirement 

Third-party insurance is mandatory under Kenya's Traffic Law and the Insurance (Motor Vehicles Third Party Risks) Act, Cap 405 

💡 What It Actually Covers 

• Liability for third-party bodily injury or death—if you injure someone, their hospital bills and compensation are covered.
• Property damages to others—say you dent another car or break a shop window, it’s on your insurer. 
• Legal representation and compensation—lawsuits from accident victims are handled.

But it does not cover:
 

• Your own car’s damage
• Theft or fire (unless you upgrade to third-party fire & theft)
• Your own medical expenses

Think of it as a basic shield—for everyone else, not you.
 

💸 Why People Choose It
 

1. Cheapest legal compliance—premiums for private cars average between KSh 4,500–7,500 per year
2. Quick purchase/renewal—usually online, simple process – www.imana.co.ke
3. Perfect for older cars—if your ride is old or cheap, buying comprehensive cover feels like overkill

⚠️ The Risk

You’re on the hook for all damage to your own ride and injuries to you. If you crash, you’ll pull out your wallet. That’s why older cars often go this route.


🛠️ Optional Upgrades
 

• Third-Party, Fire & Theft – adds protection for your car if it gets stolen or catches fire 
• Comprehensive insurance – full coverage for you, your car, and others—includes extras like windscreen and flood damage 

🎧 Why Choose Imana

At Imana Insurance Agency Kenya, you can compare quotes for free, find the best premium, and get the cover you actually need—from third-party to comprehensive. We’re transparent, fast, and affordable. Get your TPO or upgrade quote through Imana or MyKava—we’ve got your back.


✅ Bottom Line
 
Third-party insurance is your legal lifeline on Kenyan roads—protects others, keeps you out of trouble, and won’t break the bank. Just don’t expect it to save your ride. With Imana, you get clarity, choice, and that Gen Z-forward vibe to stay covered—and ahead—on the journey.