• By Raymond Momanyi

How to File for a Motorcycle Insurance Claim in Kenya – PSV/Boda Boda, Private, and Commercial (Comprehensive & Third-Party)

When the Unexpected Happens

Whether you’re a boda boda rider navigating the city streets, a PSV owner running your daily routes, or a private motorbike rider enjoying the open road, accidents and losses can happen. That’s why insurance exists — to protect you financially when things go sideways.

At Imana Insurance Agency Kenya Ltd, we make sure your claims process is clear, fast, and fair — no jargon, no confusion. Below is your step-by-step guide on how to file a motorcycle insurance claim in Kenya under both comprehensive and third-party policies — and what happens when you’re to blame or not to blame.

🏍️ Step 1: Secure the Scene and Report Immediately

Accidents can be chaotic, but your calmness counts.

• Check for injuries: Offer or seek medical help immediately.
• Take photos: Capture the accident scene, damages, registration numbers, and location.
• Notify the police: Visit the nearest police station and obtain a police abstract — it’s a key claim document.
• Inform your insurer/agent: Call your insurer or Imana Insurance Agency within 24 hours.

📞 Tip: Always have your insurance sticker, cover note, or certificate with you.

🧾 Step 2: Gather Key Documents

For your claim to move smoothly, prepare these documents:

• Police Abstract
• Copy of Insurance Certificate
• Copy of Logbook or NTSA search
• Copy of National ID
• Driving License
• Claim Form (provided by your agent or insurer)
• Repair Estimate or Valuation Report (for comprehensive covers)
• Medical reports and bills (for injury claims)

At Imana Insurance, we guide you through every form — ensuring zero delays.

💥 Step 3: Who’s to Blame? (Determining Liability)

✅ Scenario 1: You’re NOT to Blame

If another vehicle or person caused the accident:

• Your insurer (if comprehensive) will repair your bike and recover costs from the at-fault party’s insurer.
• If you’re on a third-party cover, your insurer won’t repair your motorcycle, but the other driver’s insurance will compensate you for damages through a third-party claim.

🧩 Example:
A boda boda rider is hit by a car making a wrong turn.

• If the rider has comprehensive cover → His bike will be repaired, and insurance will handle the recovery.
• If third-party → He’ll claim against the car’s insurance company, supported by the police abstract.

❌ Scenario 2: You’re to Blame

If the accident is your fault:

• Comprehensive cover: Your insurer will repair your bike and compensate any third parties you injured or damaged property. You’ll only pay your policy excess (the small contribution stated in your cover).
• Third-party cover: Your insurer will only compensate others involved — not you. You’ll handle your own repairs.

🧩 Example:
A PSV boda rider crashes into a matatu while trying to overtake.

• If comprehensive → His bike is repaired, the matatu is compensated.
• If third-party → Only the matatu is compensated; the rider repairs his own bike.

⚙️ Step 4: Inspection, Assessment, and Repairs

Once the claim is filed:

• The insurer appoints a motor assessor (sometimes through MyAsset Auto Valuers, our valuation partner) to inspect damage.
• A claim reference number is issued.
• Upon approval, you’ll receive an authority to repair (ATR) for workshop use.
• If your bike is written off, the insurer will settle based on market value minus depreciation.

💸 Step 5: Claim Settlement

Settlement time depends on how fast documents are submitted and investigations cleared.

• Comprehensive claims: Usually 7–21 working days after assessment.
• Third-party claims: May take longer due to liability verification.

At Imana Insurance, we track your claim, follow up with underwriters, and update you step by step until you’re back on the road.

🧠 Pro Tips from Imana Insurance Agency Kenya Ltd

✅ Always renew your cover on time.
 ✅ Keep copies of your insurance certificate and receipts.
 ✅ Avoid carrying fare-paying passengers on private motorcycles — it voids your cover.
 ✅ Get extensions like political violence & terrorism, excess protector, and personal accident rider for fuller protection.

🏁 Insurance Wisdom: Ride Safe, Stay Covered

Insurance isn’t about avoiding accidents — it’s about recovering fast when they happen. Whether you’re a PSV boda, a private motorbike rider, or a commercial operator, your peace of mind rides on your cover.

At Imana Insurance Agency Kenya Ltd, we help you Compare, Buy, and Claim with ease — from leading insurers in Kenya and East Africa.

📍Visit us: 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi
 🌐 www.imana.co.ke | www.mykava.co.ke

📞 Call/WhatsApp: 0796 209 402 | 0745 218 460 | 0113 619 635

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