• By Raymond Momanyi

When to Get Comprehensive Car Insurance in Kenya | Imana

Buying a car, renewing or switching from third-party cover? Learn what to compare and request a comprehensive car insurance quote from Imana. 

When Should You Get Comprehensive Car Insurance in Kenya?

If your car were damaged in an accident or stolen tomorrow, how much could you afford to pay to repair or replace it?

Comprehensive car insurance in Kenya can cover accidental damage to your own car, theft and fire, alongside third-party liabilities. The policy terms, limits, exclusions and applicable excess determine what the insurer pays. If you have just bought a car, are due for renewal or currently have third-party-only cover, it is a good time to compare quotes. See Imana’s motor insurance options

Five reasons to compare comprehensive motor insurance quotes

1. A repair bill would strain your budget

Think about what you would pay if you damaged your own car in an accident. Third-party-only cover does not pay for repairs to your own car. Comprehensive cover can help pay for repairs after an insured accident. Ask what excess applies to accidental damage and whether the insurer requires you to use an approved garage. See an example of comprehensive cover and its terms

2. You have just bought a car

Whether the car is brand new or new to you, start with its estimated current value. Share the make, model, year and how you will use it. If you plan to use it for ride-hailing or deliveries, mention that when requesting a quote so Imana can help you identify the appropriate cover. See Imana’s private, commercial and PSV options

3. Your motor insurance is due for renewal

Ask for a fresh quote before your policy expires. Check the proposed insured value, the total annual premium and the excess. If the insured value has changed since last year, ask how the insurer arrived at the new figure and whether it needs a fresh valuation.

4. Replacing your car after theft would be difficult

Ask how the insurer calculates a theft payout and what excess you would pay. Check whether theft of parts is treated separately from theft of the whole vehicle. If the quote requires a tracker or another security device, confirm what you need to have in place for cover to apply.

5. You want to switch from third-party-only cover

Request a comprehensive quote before deciding. Compare the additional annual premium with what you would have to fund yourself if your car were damaged. If theft and fire are your main concerns, you can also ask about third-party, fire and theft cover. That option generally leaves accidental damage to your own car outside the cover. Compare the three cover types

What should you compare on a comprehensive car insurance quote?

• Annual premium. Ask for the total amount payable, including any extras you select.
• Insured value. Confirm the value your car will be insured for and whether you need a valuation.
• Excess. Check how much you would contribute towards an accidental damage or theft claim.
• Cover and limits. Check what is included for theft, fire and accidental damage. Ask which benefits have separate limits or cost extra.
• Claims process. Find out who to contact after an accident and whether you can choose the repair garage.

Frequently asked questions

How much does comprehensive car insurance cost in Kenya?

The premium depends on the vehicle, its insured value, how you use it and the insurer’s terms. A quote based on your own car gives you a figure you can compare alongside the cover and excess. Read Imana’s guide to comprehensive car insurance costs

Can I switch to comprehensive cover before my third-party policy expires?

Ask Imana to check what start date is available and what happens to your existing policy. Confirm the new policy’s effective date and any valuation requirements before relying on the new cover.

What details should I send for a comprehensive quote?

Start with your car’s make, model, year, estimated value and how you use it. If you are renewing or switching, include the date your current cover expires.

Get a comprehensive motor insurance quote from Imana

Whether you are in Nairobi, Mombasa, Kisumu, Eldoret or elsewhere in Kenya, send Imana your car details and ask for a comprehensive quote for your private car. Review the annual premium, insured value and excess before you decide.

WhatsApp +254 745 218 460 or request a motor insurance quote online.