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Drive Beyond Borders: Your Essential Guide to COMESA Yellow Card Insurance
22Oct

Drive Beyond Borders: Your Essential Guide to COMESA Yellow Card Insurance

Planning an epic road journey through East and Southern Africa? While your standard Kenyan comprehensive car insurance provides robust protection at home, you need a crucial supplement for cross-border travel: the COMESA Yellow Card Insurance. This card is the key to driving legally and with confidence across the region.

Here’s everything you need to know, and how Imana Insurance Agency ensures your trip is covered from start to finish.

1. What is the COMESA Yellow Card?

The COMESA Yellow Card is a regional third-party motor vehicle insurance scheme. Essentially, it serves as a universally recognized certificate of insurance across participating countries. Its primary function is to guarantee that you meet the minimum compulsory third-party motor vehicle liability cover required by the laws of the specific country you are visiting or transiting through.

2. Countries Where the Yellow Card is Accepted

The Yellow Card is currently operational and accepted across the following thirteen COMESA member states:

  • Burundi
  • Democratic Republic of Congo (DRC)
  • Djibouti
  • Eritrea
  • Ethiopia
  • Kenya
  • Malawi
  • Rwanda
  • Sudan
  • Tanzania
  • Uganda
  • Zambia
  • Zimbabwe

This single card replaces the need to purchase separate third-party insurance at every border post, simplifying travel immensely.

3. Procedures for Purchasing Your Yellow Card in Kenya

Securing your Yellow Card is a quick and straightforward process, especially when you work with a trusted broker like Imana Insurance Agency:

  1. Contact Imana Insurance: Start by reaching out to us. We serve as your one-stop shop, able to compare competitive quotes for the Yellow Card from the best insurance companies in Kenya.
  2. Provide Documentation: You will need to submit a few key items:
    • A copy of your original/prime motor insurance policy (your Kenyan cover).
    • A copy of your vehicle’s Logbook or Registration Card.
    • Details of the countries you plan to visit and the exact duration of your trip.
  3. Select Your Cover: Choose the duration that suits your travel plans—from a few days up to a full year.
  4. Receive Your Card: Once the premium is paid, your official Yellow Card certificate, often issued digitally, will be ready. Always keep a copy with you to present at border crossings and to law enforcement in the foreign country.

4. Understanding Coverage: The Fatal Accident Scenario in Uganda

Consider the serious hypothetical: A Kenyan driver with a comprehensive policy at home, possessing a valid Yellow Card, is involved in an accident in Uganda where a pedestrian loses their life. What is covered?

  • Third-Party Liability (The Pedestrian's Death): This is the core function of the Yellow Card. It will cover the legal liability for bodily injury or death of the pedestrian (the third party) up to the statutory compensation limit defined by Ugandan law (the law of the land where the accident occurred). The claim is managed centrally by the Ugandan National Bureau of the Yellow Card Scheme on behalf of your Kenyan insurer. The Yellow Card ensures the victim is compensated and you, as the driver, are compliant with Ugandan legal requirements.
  • Damage to Your Vehicle: Your original Kenyan comprehensive policy may cover the damage to your own vehicle, but this is entirely dependent on the territorial limits and endorsements of that specific Kenyan policy. Many comprehensive policies offer an extension for East Africa, but you must confirm this with your insurer or broker.
  • Emergency Medical Expenses: The Yellow Card also provides an emergency medical benefit for the driver and passengers of your insured vehicle, typically up to a set limit, irrespective of who was at fault.

Crucially, the Yellow Card is what shields you from the financial and legal burden of the third-party claim in a foreign COMESA country.

Let Imana Insurance Simplify Your Journey

Imana Insurance Agency is your reliable partner for hassle-free COMESA travel:

  • Quote Comparison: We compare market rates to ensure you get a competitive quote that respects your budget.
  • Buying: We simplify the application and issuance process, providing quick, expert service.
  • Claims Management: In the event of an incident, we stand by you, guiding you through the often-complex cross-border claims procedure with the National Bureau of the country you are in.

Your car insurance about to expire? Planning to drive through the COMESA region? Talk to us for protection that suits your needs and budget.

Contact Imana Insurance Agency Today:

  • Website: www.imana.co.ke or www.mykava.co.ke
  • Call/WhatsApp: +254796209402 or +254745218460
  • Visit Us: 4th Floor, Krishna Centre, Woodvale Grove Westlands - Nairobi, Kenya


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