• By Raymond Momanyi

Motorcycle Insurance in Kenya – Protect Your Ride, Your Hustle, Your Life

Riding a motorbike in Kenya is more than transport.
It’s freedom. It’s speed. It’s survival. It’s the daily grind. 

From boda boda riders in the estates, delivery bikes cutting through CBD traffic, to private riders escaping the city on weekends — one truth stays constant: the road can switch up on you without warning. One careless driver. One wet road. One sharp corner. And suddenly, everything is on the line. 

That’s where motorcycle insurance stops being paperwork and starts being protection. 

At Imana Insurance Agency Kenya Ltd, we help riders across Kenya get practical, affordable motorcycle insurance that actually works when life hits hard.  

Why Motorcycle Insurance Matters in Kenya

 
Motorcycles are powerful — but exposed.
Unlike cars, there’s no metal cage, no airbags, no margin for error.
 
Without insurance, a single accident can mean:

• Hospital bills you didn’t plan for
• Claims for damaged property
• Police cases and legal trouble
• A stalled hustle and lost income

With the right cover?
You protect your finances, your future, and your peace of mind.
 
Insurance isn’t about fear. It’s about staying in the game.
 

Types of Motorcycle Insurance in Kenya

1. Third Party Only (TPO) – Mandatory by Law

 
This is the minimum legal requirement for all motorbikes in Kenya.
 
What it covers:

• Injury or death of third parties
• Damage to other people’s property

What it does NOT cover:

• Damage to your bike
• Theft or fire
• Rider injuries

It keeps you legal — but that’s where it ends.
 

2. Comprehensive Motorcycle Insurance

 
This is full-spectrum protection. Think of it as VIP cover for serious riders.
 
What’s covered:

• Accidental damage to your motorcycle
• Theft or attempted theft
• Fire damage
• Damage from floods or natural disasters
• Third-party injury, death & property damage
• Riot & strike damage (depending on insurer)
• Towing after an accident
• Optional personal accident cover for the rider

If your bike is your livelihood, comprehensive cover just makes sense.
 

3. PSV / Boda Boda Motorcycle Insurance

 
For commercial riders, insurance isn’t optional — it’s survival.
 
We arrange PSV motorcycle insurance for:

• Boda boda taxis
• App riders (Bolt, SafeBoda, Faras, Little)
• Delivery bikes (Glovo, Uber Eats, Sendy)
• Courier and logistics companies

PSV covers are structured for higher road exposure and higher risk, so getting the right policy matters.
 

How Motorcycle Insurance Works in Kenya

 
Getting insured doesn’t need stress or long queues.
 
Here’s how it works with Imana:

1. Share your bike details (Make, model, year, usage – private or PSV)
2. We compare quotes from multiple insurers
3. You receive the best options via WhatsApp or email
4. You choose what fits your budget
5. Pay via M-Pesa, bank, or cash
6. Receive your insurance certificate within minutes

Fast. Clean. No drama.
 

Required Documents

• Copy of National ID
• KRA PIN
• Logbook or ownership details

That’s it.
 
 Why Riders Choose Imana Insurance Agency

• Free quotation comparison
• Affordable premiums for TPO & Comprehensive
• Instant digital insurance certificates
• Covers for all motorcycle categories
• Trusted insurance partners across Kenya
• Nationwide service
• WhatsApp support & claim assistance

We don’t push policies.
We guide you to what actually works for your situation.
  

Get Covered Today

🌐 Buy or Request a Quote https://imana.co.ke || https://imana.co.ke/motor-quote
📞 Call / WhatsApp: +254 796 209 402
📧 Email: insurance@imana.co.ke

💰 M-Pesa Paybill: 7596117
(Account Number: Motorcycle Registration Number)

📍 Office:
4th Floor, Krishna Centre, Woodvale Grove, Westlands – Nairobi


Your bike is your asset.
Your hustle deserves protection.
Ride insured. Ride confident.