QUESTIONS? CALL: +254759840614 | Get an Instant Private Motor Insurance Quote

Private Motor Vehicle Insurance

Get Cover for your Car Today

Private Motor Vehicle Insurance

This insurance protects private motorists against loss or damage of their private motor vehicle and its accessories. It includes legal liabilities to third parties and passengers in respect of death or bodily injury arising from the use of the motor vehicle. Private Motor Vehicle Insurance cover applies within Kenya’s territorial limits, but it can be extended to East Africa or the COMESA region.

Scope of Cover

This is the widest form of Private Motor Vehicle insurance cover that you can get.

Scope of Cover

The Comprehensive Private motor insurance cover will compensate  you in the event of loss as a result of:

  • Accidental damage to your vehicle, including accidental fire damage.
  • Total loss of your vehicle - If the cost of repairs exceeds 50% of the sum assured, the vehicle will be written off and you will be indemnified for this loss.
  • Theft of your vehicle.
  • Accidental Injury/Death to Passengers in your Vehicle.
  • Accidental Injury/Death to Third-Party Persons.
  • Accidental Damage to Third-Party Property.
  • Accidental Damage to Third-Party Vehicles.

 

Additional Benefits

Windscreen Cover Free up to Your Insurer's Specified Limit
Car Entertainment System Cover  Free up to Your Insurer's Specified Limit
Towing/Recovery Expenses Free up to Your Insurer's Specified Limit. 
Authority to Repair Free up to Your Insurer's Specified Limit
Medical Expenses after an Accident  Free up to Your Insurer's Specified Limit
   
   

Extensions of the Policy

For a marginal premium, the Comprehensive Private Motor policy can be extended to cover the following items that are excluded in the standard comprehensive private motor insurance policy. 

Accidental Damage Excess Protector

This extension eliminates the need for the insured to pay the excess in case of accidental damage to the insured vehicle. Excess is the initial portion of a claim for which a policyholder is liable before an insurer can handle a claim. 

Political Violence and Terrorism Cover

This extends the policy to cover against damage to the insured vehicle that may be caused by acts of terrorism and political violence.

Personal Accident Cover

The Personal Accident Cover pays out a specified sum assured in case of Accidental Injury/Death to the Insured or an Authorized Driver if the covered motor vehicle is involved in an accident. 

Courtesy car/Loss of use cover

The Courtesy car/Loss of use cover offers the insured a courtesy car for a specified number of days if his car has been involved in an accident and has been sent to an authorized garage for repairs. 

 

This is the minimum cover required by the Motor Insurance Act for any motor vehicle operating in Kenya.

Scope of Cover

There are two types of third-party vehicle insurance:

Third-Party Only (TPO) Cover allows liability for accidental injuries or death to Third-party persons. No cover is provided for accidental damage to your motor vehicle.

Third Party, Fire and Theft (TPF&T) Cover allows liability for accidental injuries or death to Third-party persons and protects against accidental fire damage and theft of your vehicle. No cover is provided for accidental damage to your motor vehicle.

 

 Benefits

The Limits of Liability to Third Parties under the Third Party Only (TPO) Private Motor Policy are as specified below:

Accidental Injury/Death to Third-Party Persons.  - Up to KShs. 3,000,000 Per Person

- Up to Kshs. 20,000,000 Per Event
Accidental Injury/Death to Passengers - Up to KShs. 4,000,000 Per Passenger

- Up to Kshs. 20,000,000 Per Event.
Accidental  Damage to Third-Party Property Up to Kshs. 20 million

 Extensions of the Policy

For a marginal premium, the Third Party Only (TPO) Private Motor policy can be extended to cover the following item that is not included in the standard Third Party Only (TPO) Private Motor policy. 

Personal Accident Cover                             

- Premiums start from Kshs 1095.00

- Premiums depend on the chosen Sum Assured

 

  • Compare several offers from our Partner Insurance Companies
  • Pay premiums conveniently through Mobile/M-PESA payments.
  • Get your Sticker (Certificate of Insurance) on email/WhatsApp within a short period
  • Instalment Payments Available
  • Insurance Premium Financing Available
  • We charge NO client commissions.

Get a Private Motor Vehicle Insurance Quote Today

The Foremost Provider of Insurance Services in Kenya

You Prefer WhatsApp? We've got you Covered.

Engage us via WhatsApp.

You can also Schedule a Free Consultation with one of our Risk Management Professionals.

To have a virtual coffee chat on how to best protect yourself from losses arising out of accidental damage to your car and from legal liabilities that might arise from its use.

GET AN INSTANT PRIVATE MOTOR INSURANCE QUOTE

GET A FREE QUOTE ON ANY OF OUR INSURANCE PRODUCTS

Please fill this form and we'll get back to you soonest possible

TOP
error: