• By Raymond Momanyi

Insurance in Kenya: How to Choose the Right Cover Without Stress or Stories

If you live in Kenya long enough, insurance stops being theory and becomes reality.
A minor accident on Waiyaki Way. A boda incident on Thika Road. A sudden hospital admission. A fire, theft, flood, or a police check at midnight asking for your insurance certificate.

That’s when insurance stops being “something I’ll sort later” and becomes urgent.

So let’s talk plainly — car insurance, medical insurance, motorcycle insurance, PSV insurance, business and liability covers in Kenya, how much they cost, what actually works, and how to buy safely without being conned.

Car Insurance in Kenya: The Law, The Risk, The Reality

Car insurance in Kenya is mandatory. At the very least, you must have Third Party Only motor insurance, which covers damage or injury caused to other people.

Third Party Insurance Kenya

Third party insurance is the cheapest and most basic legal cover. Prices typically range from Ksh 4,560 to about Ksh 15,000 per year, depending on vehicle type and use.

But here’s the truth most people learn too late:
Third party does not cover your car. If you crash, get vandalised, flooded, or stolen — you pay from your pocket.

Learn more or buy here:
https://imana.co.ke/insurance/motor-insurance

Comprehensive Car Insurance Kenya

Comprehensive car insurance is what most private car owners eventually graduate to. It covers:

• Accidents (own damage + third parties)
• Theft
• Fire
• Floods and vandalism
• Windscreen and accessories (subject to limits)

In Kenya, comprehensive insurance is usually priced at 2.5%–7% of the vehicle value, depending on the insurer, car year/model, excess, and risk profile.

This is the cover that saves people when Nairobi floods hit, when cars are stolen, or when a simple accident turns expensive.

Compare comprehensive options here:
https://imana.co.ke/insurance/motor-insurance

Cheap Car Insurance Kenya: Be Careful

Everyone wants cheap car insurance — understandable. But cheap should never mean fake or invalid.

Always confirm:

• The insurer is IRA licensed
• The intermediary is licenced by IRA
• You receive a digital certificate

Fake insurance is common in Kenya, especially during festive seasons and road crackdowns.

Verify and buy safely online:
https://imana.co.ke/quotes/car-client-details

Motorcycle & PSV Insurance in Kenya

Motorcycle Insurance Kenya / Boda Boda Insurance Kenya

Motorcycle insurance depends on use:

• Private use – cheaper
• PSV / Commercial use – higher risk, higher premium

Boda boda riders operating without proper PSV insurance risk:

• Heavy fines
• Arrest
• Total loss in case of accidents

Proper motorcycle insurance protects the rider, passengers, and third parties.

Motorcycle & PSV cover options:
https://imana.co.ke/insurance/motor-insurance

PSV Insurance Kenya (Taxi, Matatu, Ride-Hailing)

PSV insurance covers:

• Taxis
• Matatus
• Tuk tuks
• Ride-hailing vehicles (Uber, Bolt, etc.)

This is one of the most scrutinized covers by police and NTSA. Certificates must be valid, current, and compliant.

Get PSV insurance guidance here:
https://imana.co.ke/insurance/motor-insurance

Medical Insurance in Kenya: Beyond SHA / SHIF

Government health systems help with basics, but private medical insurance is what saves families from hospital bills that spiral out of control.

Medical Insurance Kenya

Medical insurance in Kenya can cost anywhere from Ksh 10,000 per year for basic plans to over Ksh 1,000,000 for high-end comprehensive covers.

Options include:

• Individual medical insurance
• Family medical insurance
• SME and corporate medical insurance
• Seniors medical cover

Private cover gives you:

• Wider hospital networks
• Faster service
• Better limits and specialist care

Explore medical insurance options:
https://imana.co.ke/insurance/health-insurance

Buy or request a quote online:
https://imana.co.ke/health-insurance-registration

Business, SME & Liability Insurance in Kenya

Business Insurance Kenya

Running a business without insurance in Kenya is gambling with your future. One incident can wipe out years of work.

Common SME covers include:

• Fire & burglary
• Business interruption
• Money insurance
• All-risk covers

Corporate & SME insurance quotes:
https://imana.co.ke/corporate-quote

WIBA Insurance Kenya

WIBA (Work Injury Benefits Act) insurance is mandatory for employers.
It covers employees in case of injury, disability, or death while at work.

Many businesses ignore it — until a claim happens.

Learn more about WIBA:
https://imana.co.ke/insurance/wiba-insurance

Public & Professional Liability Insurance Kenya

• Public Liability Insurance covers injuries or damage to third parties at your premises.
• Professional Indemnity Insurance protects professionals (doctors, lawyers, engineers, consultants) against claims of negligence or errors.

These covers are quiet — until something goes wrong. Then they become priceless.

Request liability and PI quotes:
https://imana.co.ke/corporate-quote

Why Work With an Insurance Broker in Kenya?

An insurance broker:

• Compares multiple insurers
• Explains policy wording in plain language
• Helps during claims (this matters more than price)
• Protects your interests, not the insurer’s

Whether you’re looking for insurance brokers in Nairobi, insurance agents in Westlands, or simply someone who will pick your call after an accident — a broker makes the difference.

How to Buy Insurance Online in Kenya Safely

Buying insurance online in Kenya is now normal — but only if done right.

You should always receive:

• A quotation breakdown
• A policy document
• A digital certificate
• Clear payment records (M-Pesa, bank, invoice)

Safe online insurance buying starts here:
https://www.imana.co.ke ||  https://www.mykava.co.ke

Insurance Is Not a Product — It’s a System

In Kenya, insurance works best when:

• You understand what you’re buying
• You choose the right cover for your risk
• You work with professionals who stay with you after payment

At Imana Insurance Agency Kenya Ltd, we help individuals, families, SMEs, and corporates compare, choose, and buy insurance that actually works.

No noise. No shortcuts. Just covers that make sense.

Talk to us or request a free quote anytime:
 https://www.imana.co.ke ||  https://www.mykava.co.ke