• By Raymond Momanyi

How Many Classes and Types of Motor PSV Insurance Covers Do We Have in Kenya?

🚗 The Heartbeat of Kenyan Roads

Kenya’s roads are always alive — matatus vibing with loud music, taxis weaving through traffic, tour vans chasing sunsets, and boda bodas hustling from corner to corner. Every single one of these vehicles carries more than just passengers — they carry lives, dreams, and responsibilities. That’s why PSV (Public Service Vehicle) insurance isn’t just a legal formality; it’s a lifeline.

At Imana Insurance Agency Kenya Ltd, we make sure your PSV is fully protected — whether you’re a taxi driver, a matatu owner, or a rider grinding through the streets of Nairobi. Let’s break it down for you.

🧾 Classes by Coverage Type

Just like private car insurance, PSV insurance in Kenya is classified by the type of coverage you choose — but the difference is that PSV insurance is tailored to protect both passengers and the public.

1. Third-Party Only (TPO)

This is the bare minimum required by law under the Insurance (Motor Vehicles Third Party Risks) Act.
It covers:

• Injuries or death to third parties (passengers, pedestrians, or other drivers)
• Damage to third-party property
   👉 It doesn’t cover your own vehicle’s damage.

✅ Best for: PSV owners looking for low-cost legal compliance.
⚠️ Limitation: You bear your own repair costs.

2. Third-Party, Fire & Theft (TPFT)

This is the middle ground — it includes TPO cover and adds protection against:

• Fire damage
• Theft of the vehicle

However, it’s not very common in Kenya’s PSV sector because most operators prefer full protection (comprehensive).
✅ Best for: Low-risk PSV operations with smaller fleets.

3. Comprehensive PSV Insurance

This is the ultimate cover, the one that lets you sleep easy at night. It covers:

• All TPO benefits
• Fire & theft
• Accidental damage to your own vehicle
• Passenger Legal Liability (PLL) – covers injury or death to your passengers

💥 Optional extensions you can add include:

• Excess protector – reduces your out-of-pocket costs in claims
• Loss of use – compensates for time your vehicle is in the garage
• Political violence & terrorism cover – protects during civil unrest
• Courtesy car – temporary replacement during repairs

✅ Best for: PSV owners who want peace of mind and long-term stability.

🚐 Classes by Vehicle Use

Not all PSVs are created equal. Insurance rates and benefits depend on what your vehicle does daily.

1. PSV Matatu Insurance

Covers commuter minibuses and buses carrying multiple passengers daily.
 🕒 Can be short-term (weekly, monthly) or annual.
 💬 Matatus face higher risk exposure — hence higher premiums but wider coverage.

2. PSV Taxi Insurance

Designed for:

• Regular taxis
• Ride-hailing drivers (Bolt, Uber, Little Cab, etc.)
   Can be monthly or annual and tailored to part-time or full-time operation.
  ✅ Includes passenger injury cover and third-party liability.

3. PSV Tour Van Insurance

Ideal for safari and tourism operators. Covers vehicles ferrying tourists across Kenya’s national parks and scenic routes.
 🌍 Add-ons can include cross-border (COMESA Yellow Card) cover for East Africa operations.

4. PSV Private Hire / Chauffeur-Driven Insurance

For vehicles hired with a driver, often for corporate clients or VIP transport.
✅ Protects the vehicle, passengers, and third parties.
💬 Some of these vehicles also operate under ride-hailing apps — can be structured accordingly.

5. PSV Self-Drive Insurance

This one’s for rental companies offering vehicles to customers who drive themselves.
 ✅ Covers the car and third-party damages.
 ⚠️ Usually comes with a higher excess due to unknown driver risk.

6. PSV Boda Boda & Tuk Tuk Insurance

Motorcycle taxis and three-wheelers are the true pulse of urban Kenya.

• Third-party policies are available from as low as KSh. 1,000 per month.
• Comprehensive options cover theft, fire, and damage to the bike.
  ✅ You can also include passenger injury cover and helmets liability.

💡 Why You Should Care

Having the right PSV insurance:

• Protects you from legal penalties
• Saves you millions in compensation costs
• Builds trust with your passengers and partners
• Keeps your business running smoothly — even when accidents happen

And guess what? With Imana Insurance Agency Kenya Ltd, you can compare quotes, buy, and get covered within 30 minutes — whether you’re a matatu SACCO, a taxi driver, or a boda operator.

📞 Get Covered Today

Imana Insurance Agency Kenya Ltd – East Africa’s Outstanding Insurance Consulting Company 2025
📍 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi
🌐 www.imana.co.ke | www.mykava.co.ke

📞 Call/WhatsApp: 0796209402 / 0745218460 / 0113806810

Compare. Buy. Save. — with Imana Insurance Agency Kenya Ltd 🚘✨

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