How to File a Car Insurance Claim in Kenya Step by Step
Accidents and car damage can be stressful, but knowing how to file a car insurance claim in Kenya makes the process smoother. Whether you have third-party or comprehensive cover, following the right steps ensures you get compensated fairly.
Step-by-Step Guide to Filing a Car Insurance Claim in Kenya
Step 1: Report the Incident Immediately
Inform your insurer within 24 hours of the accident or damage. For accidents, also report to the nearest police station.
Step 2: Collect Evidence
Take clear photos of the scene, car damage, and injuries (if any). Note details of other parties involved, including car registration numbers and insurance stickers.
Step 3: Obtain a Police Abstract
This official document is required for almost all claims, especially accident and theft cases.
Step 4: Notify Your Insurer
Submit a written notice of the claim along with initial details. Most insurers now allow online reporting.
Step 5: Fill in Claim Forms
Your insurance company will provide claim forms that must be completed and submitted with supporting documents.
Step 6: Vehicle Inspection
Your insurer will send an assessor to inspect the car and prepare a report on the damage.
Step 7: Repair Authorization
Once the claim is approved, you’ll get an authorization letter to repair at approved garages like Automotive Doctor Motor Garage.
Step 8: Claim Settlement
For theft or total loss, compensation will be based on the car’s valuation report.
Documents Required for Car Insurance Claims
- Police abstract
- Copy of driver’s license
- Insurance certificate
- Claim form
- Logbook copy (sometimes required)
Cost of Filing a Car Insurance Claim
Filing is free, but you may pay an excess fee (deductible) depending on your policy.
FAQs on Car Insurance Claim in Kenya
How long does a claim take?
Typically 2–6 weeks depending on the insurer and case complexity.
Can I choose my own repair garage?
Yes, but insurers prefer you use approved garages.
What if I delay reporting?
Delays may lead to claim rejection.
Does third-party insurance cover my car?
No. It only covers damage or injury to third parties.
Can my claim be rejected?
Yes, if you provide false information, drive without a valid license, or break policy terms.
External Resources
Learn more from Insurance Regulatory Authority (IRA) and NTSA.
Conclusion
Filing a car insurance claim in Kenya doesn’t have to be complicated. With the right documents and timely reporting, you can ensure faster compensation and repair. For vehicle inspections and authorized repair services, visit Automotive Doctor Motor Garage – Nairobi’s trusted experts in car care.
