• By Raymond Momanyi

Personal Liability and Third-Party Limit in Kenya

Hey — picture this: you’re cruising down Mombasa Road, vibes on point, playlist lit, then bam — an accident. Your ride is at fault. Thankfully, everyone’s alive, but the third party (that other vehicle + passengers) suffers big losses. They sue… and the court awards Ksh. 30,000,000 in damages. Only problem? Your motor insurance only covers up to Ksh. 20M for third-party liability (as per the policy).

So what happens next? Who foots that extra Ksh. 10M gap?

Here’s the real deal — and why smart folks in Kenya are now catching onto Personal Liability Insurance like it’s the next big drop.

The Reality Check: Insurance Limits and Real Liabilities

In Kenya, third-party motor insurance is mandatory under the Traffic Act. It protects other people’s lives and property when you are at fault.

But here’s the twist:

• Your motor policy might have a max third-party limit of Ksh. 20,000,000.
• But Kenyan courts aren’t limited by your policy’s cap — they can award whatever they deem fair based on injuries, loss of income, pain & suffering, funeral costs, etc. That could easily hit Ksh. 30M (or more).
• The insurance company pays up to its limit (Ksh. 20M).
• You’re liable for the rest — out of pocket.

And that’s where most people get hit with a financial tsunami.

What Happens After the Court Verdict?

So that court says you owe Ksh. 30M. Your insurer chips in Ksh. 20M under the third-party portion of your motor policy. But that extra Ksh. 10M?

That’s where YOU step in.

Unless you have Personal Liability Insurance, you risk:

🧾 Losing assets (car, savings, property) to satisfy the judgment
 📉 Debt stress that takes years to pay off
 😓 Sleepless nights thinking about “what ifs”

This isn’t fear-mongering — it’s real life.

What’s Personal Liability Insurance?

Think of Personal Liability Insurance as your financial safety mattress.

It’s like saying:

“If my insurance isn’t enough, something else will have my back.”

It protects you where motor cover stops. It can pick up the extra tab so you don’t go broke because you hit someone on the road.

Why Every Kenyan Motorist Needs It

Here’s the vibe:

• Court awards don’t play by your insurance limits.
• Medical bills + lost income can skyrocket expenses beyond what your insurer pays.
• Kenya’s legal system enforces judgments — you must pay whatever remains.
• Without Personal Liability cover? You’re exposed.

That’s why wise drivers in Kenya stack their motor cover with personal liability protection.

Bottom line: don’t hope for the best — prepare for it.

How to Get Covered with Imana Insurance

Here’s where you can secure smart protection and peace of mind:

🌐 Compare quotes online
👉 https://imana.co.ke 👉 https://mykava.co.ke

📍 Physical office (for face-to-face support):
4th Floor, Krishna Centre
Woodvale Grove, Westlands
Nairobi, Kenya

📲 WhatsApp or Call us:
+254 796 209 402

We make insurance simple — compare, choose, secure.

Don’t Wait Until It’s Too Late

Accidents aren’t scheduled. Liabilities don’t ask permission.
When life throws chaos, you need cover that doesn’t bail on you.

Motor insurance + Personal Liability cover = responsibility with confidence.
No debt traps. No sleepless nights. Just smart protection.