Car Insurance in Kenya: What Every Driver Must Know
Every driver is legally required to have car insurance in Kenya before getting on the road. Beyond compliance, insurance protects you financially in case of accidents, theft, or damage. Here’s what every driver must know about car insurance in Kenya.
Types of Car Insurance in Kenya
1. Third-Party Insurance
Covers damage or injury to other people and their property but not your car. It is the minimum legal requirement.
2. Third-Party, Fire, and Theft
Covers third-party liabilities plus protection against theft and fire damage.
3. Comprehensive Insurance
Provides the highest level of coverage, including third-party liabilities, theft, fire, and damage to your own car. Recommended for high-value and new vehicles.
Cost of Car Insurance in Kenya
Premiums vary depending on:
- Car value
- Type of cover
- Driver’s history
- Usage (private, PSV, commercial)
Average annual premiums:
- Third-party: KES 5,000 – 8,000
- Comprehensive: 3% – 4% of car value
Requirements for Car Insurance
To get insured, you’ll need:
- Copy of logbook
- National ID and KRA PIN
- Car inspection report (for comprehensive cover)
- Completed insurance proposal form
Tips for Choosing the Right Insurance
- Compare premiums from multiple providers
- Check claim settlement reputation
- Ensure the cover matches your car’s usage
- Don’t under-insure your car—it reduces claim payouts
Common Mistakes Drivers Make
- Driving without valid insurance
- Forgetting to renew on time
- Choosing the cheapest cover without considering benefits
FAQs on Car Insurance in Kenya
Is car insurance mandatory in Kenya?
Yes. At least third-party insurance is legally required.
Can I drive with expired insurance?
No. It’s a traffic offense punishable by fines or arrest.
Which is the best insurance cover?
Comprehensive cover offers the most protection, especially for expensive cars.
How do I reduce my premiums?
Maintain a clean driving record and compare providers.
Can insurance cover mechanical breakdowns?
No. Insurance covers accidents, theft, and fire—not wear and tear.
External Resources
Learn more from IRA Kenya and NTSA.
Conclusion
Understanding car insurance in Kenya helps you stay compliant and financially secure. Whether you choose third-party or comprehensive cover, always ensure timely renewal and reliable providers. For vehicle inspections before insurance approval, book a check at Automotive Doctor Motor Garage – your trusted partner in car care.
