- Author: Raymond
- Category: Motorcycle Insurance
How to File for a Motorcycle Insurance Claim in Kenya – PSV/Boda Boda, Private, and Commercial (Comprehensive & Third-Party)
When the Unexpected Happens
Whether you’re a boda boda rider navigating the city streets, a PSV owner running your daily routes, or a private motorbike rider enjoying the open road, accidents and losses can happen. That’s why insurance exists — to protect you financially when things go sideways.
At Imana Insurance Agency Kenya Ltd, we make sure your claims process is clear, fast, and fair — no jargon, no confusion. Below is your step-by-step guide on how to file a motorcycle insurance claim in Kenya under both comprehensive and third-party policies — and what happens when you’re to blame or not to blame.
🏍️ Step 1: Secure the Scene and Report Immediately
Accidents can be chaotic, but your calmness counts.
- Check for injuries: Offer or seek medical help immediately.
- Take photos: Capture the accident scene, damages, registration numbers, and location.
- Notify the police: Visit the nearest police station and obtain a police abstract — it’s a key claim document.
- Inform your insurer/agent: Call your insurer or Imana Insurance Agency within 24 hours.
📞 Tip: Always have your insurance sticker, cover note, or certificate with you.
🧾 Step 2: Gather Key Documents
For your claim to move smoothly, prepare these documents:
- Police Abstract
- Copy of Insurance Certificate
- Copy of Logbook or NTSA search
- Copy of National ID
- Driving License
- Claim Form (provided by your agent or insurer)
- Repair Estimate or Valuation Report (for comprehensive covers)
- Medical reports and bills (for injury claims)
At Imana Insurance, we guide you through every form — ensuring zero delays.
💥 Step 3: Who’s to Blame? (Determining Liability)
✅ Scenario 1: You’re NOT to Blame
If another vehicle or person caused the accident:
- Your insurer (if comprehensive) will repair your bike and recover costs from the at-fault party’s insurer.
- If you’re on a third-party cover, your insurer won’t repair your motorcycle, but the other driver’s insurance will compensate you for damages through a third-party claim.
🧩 Example:
A boda boda rider is hit by a car making a wrong turn.
- If the rider has comprehensive cover → His bike will be repaired, and insurance will handle the recovery.
- If third-party → He’ll claim against the car’s insurance company, supported by the police abstract.
❌ Scenario 2: You’re to Blame
If the accident is your fault:
- Comprehensive cover: Your insurer will repair your bike and compensate any third parties you injured or damaged property. You’ll only pay your policy excess (the small contribution stated in your cover).
- Third-party cover: Your insurer will only compensate others involved — not you. You’ll handle your own repairs.
🧩 Example:
A PSV boda rider crashes into a matatu while trying to overtake.
- If comprehensive → His bike is repaired, the matatu is compensated.
- If third-party → Only the matatu is compensated; the rider repairs his own bike.
⚙️ Step 4: Inspection, Assessment, and Repairs
Once the claim is filed:
- The insurer appoints a motor assessor (sometimes through MyAsset Auto Valuers, our valuation partner) to inspect damage.
- A claim reference number is issued.
- Upon approval, you’ll receive an authority to repair (ATR) for workshop use.
- If your bike is written off, the insurer will settle based on market value minus depreciation.
💸 Step 5: Claim Settlement
Settlement time depends on how fast documents are submitted and investigations cleared.
- Comprehensive claims: Usually 7–21 working days after assessment.
- Third-party claims: May take longer due to liability verification.
At Imana Insurance, we track your claim, follow up with underwriters, and update you step by step until you’re back on the road.
🧠 Pro Tips from Imana Insurance Agency Kenya Ltd
✅ Always renew your cover on time.
✅ Keep copies of your insurance certificate and receipts.
✅ Avoid carrying fare-paying passengers on private motorcycles — it voids your cover.
✅ Get extensions like political violence & terrorism, excess protector, and personal accident rider for fuller protection.
🏁 Insurance Wisdom: Ride Safe, Stay Covered
Insurance isn’t about avoiding accidents — it’s about recovering fast when they happen. Whether you’re a PSV boda, a private motorbike rider, or a commercial operator, your peace of mind rides on your cover.
At Imana Insurance Agency Kenya Ltd, we help you Compare, Buy, and Claim with ease — from leading insurers in Kenya and East Africa.
📍Visit us: 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi
🌐 www.imana.co.ke | www.mykava.co.ke
📞 Call/WhatsApp: 0796 209 402 | 0745 218 460 | 0113 619 635
Motorcycle Insurance Kenya, PSV Boda Insurance, Comprehensive Motorbike Cover, Third Party Motorcycle Insurance, Insurance Claim Process Kenya, Imana Insurance Agency Kenya Ltd
#BodaBodaInsurance #PSVInsurance #MotorcycleCoverKenya #ImanaInsurance #InsuranceClaimsKenya #CompareBuySave #ImanaCares #KenyaInsuranceExperts #WestlandsNairobi #RideSafeKenya
