• By Raymond Momanyi

PSV Motor Insurance in Kenya Explained

Taxis. Matatus. TukTuks. Boda Bodas. Buses.
This is the grind. This is the road. This is where insurance stops being theory and starts being survival.

Let’s break it down—clean, honest, no fluff.

Third-Party Only (The Bare Minimum)

Legal? Yes. Enough? Sometimes… until it isn’t.

• Covers injury/death to passengers & third parties
• Covers damage to other people’s property
• Does NOT fix your PSV after an accident
• Cheapest option, highest stress level

One accident and your income pauses. Bills don’t.

Comprehensive PSV Cover (The Grown-Up Choice)

This one moves like a seatbelt and an airbag.

• Covers passengers + third parties
• Covers your PSV repairs
• Covers theft, fire, vandalism
• Keeps you earning even after chaos

If the road throws hands, comprehensive throws back.

Who Needs What?

• Taxi / Uber / Bolt – Comprehensive keeps you in business
• Matatu (PSV) – One claim can wipe savings. Don’t risk it
• TukTuk – Light vehicle, heavy exposure
• Motorcycle (Boda Boda) – Accidents are frequent; protection matters
• Bus / Shuttle – Lives on board = serious liability

Bottom Line

Third-party keeps you legal.
Comprehensive keeps you alive in business.

At Imana Insurance Agency Kenya Ltd and MyKava Insurance Shop, we don’t force choices—we explain them. You choose. We insure.

🛒 Buy or Get a Free Quote

🌐 Compare & Buy Online

• https://www.imana.co.ke || https://www.mykava.co.ke
  
  

Pay via M-Pesa

• Paybill: 7596117
• Account: Vehicle Registration Number

📲 WhatsApp / Call: 0103 806 588

📍 Visit Us Physically: 4th Floor, Krishna Centre, Woodvale Grove, Westlands – Nairobi

Drive smart. Protect income. Respect the road.
Because in PSV life, tomorrow is never guaranteed—but cover can be.