• By Raymond Momanyi

Third-Party Car Insurance in Kenya Explained Simply

Legal, Yes — But Limited: It Protects Others, Not Your Car

Every car on Kenyan roads must have insurance — that’s the law. But here’s the catch: not all insurance covers are the same.

If you’ve ever said “I just need the cheapest option — give me third-party only,” this blog is for you.

At Imana Insurance Agency Kenya Ltd and MyKava Online Insurance Shop, we believe you should never buy a cover you don’t understand. Let’s break down what Third-Party Only (TPO) insurance really means, what it doesn’t, and why you might want to consider more protection.

What Is Third-Party Car Insurance?

Third-party car insurance is the minimum legal requirement for driving in Kenya. It’s designed to protect other people (the “third party”) — not you or your car.

If you cause an accident, the insurer will pay for:
 ✅ Damage to another person’s vehicle or property
 ✅ Injuries or death to someone else

But it doesn’t cover you, your car, or your losses.

❌ It won’t pay for your own car repairs
 ❌ It won’t replace your car if it’s stolen
 ❌ It won’t cover fire damage
 ❌ It won’t pay your hospital bills

So yes, third-party insurance keeps you legal, but it doesn’t always keep you financially safe.

Learn more about Motor Insurance in Kenya and compare covers before you buy.

Example: When Third-Party Isn’t Enough

Picture this:
James drives from Nairobi to Nakuru. Along the highway, he accidentally hits another car. The other driver’s bumper is damaged — and James’s front lights and bonnet are smashed.

Here’s how the claim plays out:

• The other driver’s damages? ✅ Covered by James’s third-party policy.
• James’s car repairs? ❌ Not covered. He pays out of pocket.

That’s how many Kenyan drivers learn — too late — that third-party insurance is limited.

Why Most Drivers Choose Third-Party

It’s cheap, easy, and quick.

Starting from around KSh 1,500 to KSh 15,000 per year, it fits almost every budget.

For example:

• Private cars: from KSh 4,560 a year
• PSV taxis: from KSh 7,574 a year
• Motorcycles (bodas): from KSh 1,000/month

It’s perfect if:
 ✅ You drive an older or low-value car
 ✅ You use your car occasionally
 ✅ You just need legal compliance for road use

But if your car is part of your daily routine or your main hustle, it’s time to consider upgrading.

Third-Party, Fire & Theft — The Middle Ground

There’s an in-between option that gives you more peace of mind: Third-Party, Fire & Theft (TPFT).
This plan includes everything in TPO plus:
🔥 Fire cover
🚘 Theft cover

It’s ideal if your car’s market value is modest, but you still want protection against total loss.

You can explore this and other options here:
 Compare Motor Insurance Covers in Kenya

The Smarter Choice — Comprehensive Car Insurance

If your vehicle is valuable or essential for your family or business, Comprehensive Cover is your best option.

It includes:
 ✅ Third-party cover
 ✅ Fire & theft protection
 ✅ Accidental damage to your own car
 ✅ Optional add-ons like:

• Excess Protector
• Political Violence & Terrorism (PVT) cover
• Windscreen cover
• Personal Accident benefits

Comprehensive insurance costs a little more but can save you hundreds of thousands during a major loss.

Why Smart Drivers Compare Before Buying

At Imana Insurance Agency Kenya Ltd and MyKava Online Insurance Shop, we help you compare quotes from Kenya’s most trusted insurers — fast and transparently.

You get to see:

• Prices side-by-side
• Benefit summaries
• Claim support info
• Optional add-ons

It’s simple: Compare, Buy, Save.

How to Buy or Renew Instantly

Renewing or buying car insurance in Kenya is now easy:
 1️⃣ Send your logbook, ID, and previous certificate expiry date on WhatsApp
 2️⃣ Receive multiple quotes instantly
 3️⃣ Pay via M-Pesa Paybill 7596117
4️⃣ Get your digital certificate delivered in minutes

You can also start directly from our Micro-Quote page.

Why Kenyans Trust Imana & MyKava

✅ Multi-award-winning insurance intermediary
 ✅ Licensed by IRA (Insurance Regulatory Authority)
 ✅ Fast online service
 ✅ Real people guiding you every step of the way
 ✅ Quick claims assistance — not just policy sales

We’ve helped thousands of drivers, riders, and business owners across Kenya find affordable, trusted insurance.

Explore our other top covers too:

• Medical Insurance
  
  
• WIBA Insurance
  
  
• Travel Insurance
  
  
• Corporate Insurance Solutions
  
  
• Last Expense & Group Life
  
  

Get Your Free Quote Now

Visit our websites or chat directly on WhatsApp today:
 🌐 www.imana.co.ke | www.mykava.co.ke

📱 0113619635 | 0745218460 | 0113806810
📍 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi
💳 M-Pesa Paybill: 7596117

Insurance Wisdom

Third-party car insurance is a legal must, but it’s not a financial safety net.
It’s like wearing half a helmet — it keeps you on the road, but not fully protected.

If your car is more than just transport — if it’s your business, your family mover, or your pride — then protect it right.

Talk to Imana or MyKava today.
Compare. Buy. Save.

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