• By Raymond Momanyi

Motor PSV Insurance in Kenya: How Much It Costs & How to Buy It Online (2025 Full Guide)

When your hustle depends on the road — whether you’re driving a PSV taxi, Uber, Bolt, Little, chauffeur unit, shuttle, tuk tuk, or boda boda — insurance stops being an option. It becomes your lifeline. Nairobi moves fast, traffic flows like a heartbeat, and every ride is part of someone’s story.

And because you’re out there carrying strangers, families, corporate travelers, tourists, and late-night wanderers, the law demands extra protection: Motor PSV Insurance.

Let’s break down the costs, the cover, and how to buy it online without leaving your front seat.

What Exactly Is Motor PSV Insurance in Kenya?

PSV = Public Service Vehicle.
If your vehicle carries passengers for hire, the law puts you in a special category: higher risk, higher responsibility, higher stakes.

Motor PSV insurance protects you against:

• Passenger injuries
• Passenger death
• Third-party vehicle damage
• Third-party property damage
• Legal liabilities
• Accidents involving your PSV vehicle

And if you choose PSV Comprehensive Insurance, you also get:

• Fire
• Theft
• Own vehicle damage
• Windscreen cover
• Personal accident for driver
• Optional add-ons like Excess Protector, Political Violence & Terrorism, Road Rescue, etc.

This is the real shield for drivers who are always on the move.

How Much Does Motor PSV Insurance Cost in Kenya (2025)?

Prices vary depending on the class of PSV, usage, routes, and risks — but here’s the clean breakdown:

PSV Taxi (Uber, Bolt, Little, Chauffeur Cars)

• Third-Party Only: From KSh 7,574 per year
• Comprehensive: Typically 4.5%–7% of the car value
  (e.g., a 1.2M vehicle costs approx. 54K–84K yearly for comprehensive)

PSV Shuttle / Sacco Vehicles

• Comprehensive: Calculated based on passenger seating + vehicle value
• Higher risk = higher premium
• Cover is mandatory before Sacco approval

PSV Motorcycles (Boda Boda)

• Third-Party Only: From KSh 4,000
• Comprehensive: From KSh 7,000+ depending on value

PSV Tuktuk

• Third-Party Only: KSh 6,000–7,500
• Comprehensive: Depends on value and town of operation

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And yes — customers always ask: “Which insurer is best?”
That’s why comparison is everything.

What Does PSV Insurance Actually Cover?

Here’s the no-sugar version.

✔ Third-Party Only (TPO) Covers:

• Passenger injuries or death
• Third-party vehicle damage
• Third-party property damage
• Legal liabilities

TPO is legal but limited — it doesn’t repair your vehicle.

✔ Comprehensive Covers Everything Above PLUS:

• Your own vehicle damage
• Fire
• Theft
• Windscreen replacement
• Towing assistance
• Riot/strike damage
• Optional excess protector
• Optional political violence & terrorism
• Optional premium road rescue

If your car is your income — comprehensive is the smart play.

How to Buy PSV Insurance Online in Kenya (Fast & Paperless)

Buying PSV insurance online used to be complicated. Not anymore.
 Here’s how today’s Nairobi hustle works:

1. Share Your Vehicle Details

• Make & model
• Year of manufacture
• Logbook copy/photo
• Current insurance expiry
• Your name & phone number

2. Get Multiple Quotes Instantly

Imana & MyKava compare PSP-friendly insurers so you get:

• Best price
• Best benefits
• Best claim reputation

3. Choose Your Preferred Insurer

You see the price, you see the benefits — you pick the vibe.

4. Pay via M-Pesa

No queues. No agents disappearing.
 Straightforward, transparent, digital.

5. Receive Your PSV Certificate Online

• Digital insurance certificate
• Sticker
• Cover note

Delivered within 30 minutes.
You’re road-legal almost instantly.

Why PSV Drivers Choose Imana & MyKava

Because you need a partner who understands the pressure of the road, the passengers, the hustle, and the deadlines.

With us, you get:

• Instant online PSV quotations
• Multiple insurer options
• Same-day activation
• WhatsApp support (fastest in the game)
• Guidance on Sacco requirements
• Claims assistance
• Free advice before you choose a cover
• Always-available customer support

This is not just insurance — it's peace of mind for the people behind Kenya’s transport backbone.

Useful Links for PSV Drivers

Explore more here:

🚗 Motor Insurance (All Classes)
https://imana.co.ke/insurance/motor-insurance

🏥 Health Insurance for You/Your Family
https://imana.co.ke/insurance/health-insurance

💚 Micro Health Plans
https://imana.co.ke/micro-quote

🏢 Corporate & SME Policies
https://imana.co.ke/corporate-quote

📞 Talk to Us Anytime
https://imana.co.ke/contact-us

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Insurance Wisdom

Every passenger you carry is a story. Every trip is a responsibility.
Your insurance shouldn’t be stressful — it should be seamless, affordable, and as fast as your hustle.

Whether you’re a ride-hailing pro, a taxi veteran, a boda champion, or a tuktuk maestro, Imana Insurance Agency Kenya Ltd and MyKava Online Insurance Shop are here to help you compare, save, and buy your PSV cover from anywhere in Kenya.