This covers the insured against costs, charges, and expenses from third parties if the vehicle is involved in a road accident or any such event that may cause loss to members of the public. These costs may arise from damage to third party property, physical bodily injuries, permanent total disability, and death. In addition, this will also cater for liability to passengers carried in the motor vehicle.

It is mandatory in Kenya that any motor vehicle on the road must have a minimum level of insurance. According to the Kenya Traffic Act Chapter 405 any vehicle must have the minimum of Third Party Only (TPO) motor vehicle insurance.

What the TPO auto cover doesn't cover is damage to the vehicle because of a road accident, fire and theft. These can be covered using a comprehensive motor vehicle insurance policy, which covers a wider list of risks to both the insured and the general public. A single road accident can destroy property worth tens of millions of shillings not to mention cause loss of lives of drivers, other road users and innocent bystanders. This is especially common for larger vehicles like lorries, trucks, and trailers that carry heavy tonnage compared to small private motor vehicles.

Due to the high risk and catastrophic danger on Kenyan roads it is therefore a national requirement that every vehicle on the road is insured to the minimum. Getting an auto insurance quote and purchasing the policy online is now easy and convenient in Kenya. TPO premium rates in Kenya are fixed for private vehicles while they vary for commercial vehicles, depending on the tonnage and use of the vehicle. Motor vehicles of higher tonnage are charged higher, rates can be as high as Ksh 40,000 per year.

 Third party motor vehicle insurance quotes vary depending on the provider, the limits of liability of the policy and the type of vehicle to be covered. For private cars, rates vary from as low as Ksh 1,500 to Ksh 15,000 per year. The insurance rates for commercial vehicles vary with tonnage of the vehicle, smaller pickups are charged lower than heavy lorries understandably as the weight and potential damage of a lorry much greater than that of a smaller truck. For this reason, many businesses prefer to take only third-party car insurance for their commercial lorries, pickups, and canters. The premium rates for these commercial vehicles range from Ksh 7,500 to 25,000 per year. In Kenya, most businesses combine this third-party vehicle cover with a Goods In Transit (GIT) insurance cover, this is to cover the load of the vehicle in case of accident or loss.

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