Find the right Car Insurance
Car insurance, commonly known as motor insurance or auto insurance.
This Insurance Protects you from financial losses resulting from accidents, theft, fire damage, and third-party liabilities stemming from the use of their insured vehicles.
Which car insurance plan is right for you?
This cover takes care of a wide range of risks that a motorist may suffer in the process of using his/her vehicle. The main cover features are as follows;
- Accidental Impact damage including overturning and collision.
- Accidental Fire damage.
- Theft/partial Theft cover.
- Third-party liability cover for bodily injury & property damage.
- Windscreen cover.
- Entertainment system cover.
- Emergency Medical expense cover.
- Courtesy car/ loss of use cover.
- Excess protector.
- Political Violence & Terrorism cover.
- Special Perils
This policy covers the insured against three main risks;
- Third-party liability cover for bodily injury or property damage as a result of your vehicle being involved in an accident.
- Accidental Fire damage in the event your vehicle catches fire and is destroyed.
- Theft cover as a result of your vehicle being stolen.
It is the minimum legal cover that every car owner must have to be legally on the road. The cover protects a vehicle owner from liabilities that may arise from third parties in the event of an accident.
Third-party liability relates to:
- Bodily injury.
- Property damage.
There are three main types:
- Third-Party Insurance: Covers damage to other people’s property or injuries to others caused by your vehicle. It’s the minimum legal requirement.
- Third-Party, Fire, and Theft: Includes third-party coverage plus protection for your vehicle in case of fire damage or theft.
- Comprehensive Insurance: Covers third-party liability, fire, theft, and damage to your vehicle from accidents or other incidents like floods and vandalism.
Yes, by law, all vehicles on Kenyan roads must have at least third-party insurance. Driving without insurance can lead to fines or imprisonment.
Third-party insurance covers damage or injuries you cause to others. It doesn’t cover your own car or personal medical expenses in case of an accident.
Premiums depend on various factors, including:
- Vehicle Value: Higher-value cars typically have higher premiums.
- Type of Coverage: Comprehensive plans are more expensive than third-party plans.
- Driver’s Age and Experience: Young or inexperienced drivers may face higher premiums.
- Claim History: Frequent claims may lead to increased premiums.
- Yes, you can transfer your policy to the new owner, though the insurer may require you to update policy details. Alternatively, you may cancel the policy and request a refund for any unused premium period, subject to insurer terms.
You generally need:
- National ID or passport
- Vehicle logbook (proof of ownership)
- KRA PIN certificate
- Any previous insurance documentation if you have a history of claims
es, common exclusions are:
- Driving under the influence of alcohol or drugs
- Using the vehicle for unauthorized purposes (e.g., racing)
- Wear and tear or mechanical breakdown
- Claims made during an uninsured period
First, ensure everyone’s safety and seek medical help if needed. Then:
- Report the accident to the police within 24 hours.
- Notify your insurance provider immediately.
- Gather details like photos, witness statements, and contact information of the other parties involved.
Need any help!
Since 2017, Al-Ahdi Insurance Brokers has been serving policyholders – protecting businesses, mitigating losses, defending claims. Renters .
