- Author: Raymond
- Category: Car Insurance
How Much Is Comprehensive Motor Insurance In Kenya? Is It Mandatory?
Is Comprehensive Car Insurance mandatory?
- Third‑Party Only (TPO) is the legal requirement—it covers damage or injury to others caused by you. This one is mandatory by law
- Comprehensive insurance (covering your own car and third-party liability) is optional, but most Kenya drivers opt in because, let’s face it, peace of mind is worth it .
Breakdown of Comprehensive Coverage
Comprehensive gives you full spectrum protection:
- Own‑damage from accidents
- Fire & theft
- Third‑party liabilities (injury/property)
- Windscreen/glass replacement
- Audio system cover
- Riots, strikes, civil commotion
- Towing & roadside assistance
- Optional add-ons: courtesy car, political violence, excess protector, personal accident, etc
How Much Does It Cost?
Premiums are based on your vehicle’s declared value (Sum Insured):
Vehicle Value (KES) | Rate (%) | Estimated Premium (KES) |
Up to 1 M | 6 – 7.5 % | 37 ,500 – 70 ,000
1 M – 1.5 M | 5 % | 45 ,000 – 60 ,000
1.5 M – 2.5 M | 3.5 – 4 % | 60 ,000 – 75 ,000
2.5 M – 5 M | 3 – 3.5 % | 87 ,500 – 100 ,000
Above 5 M | 3 % | 87 ,500 – 175 ,000
Minimum premiums typically hover around KES 37,500 even if calculated rate is lower.
Plus levies and stamp duties:
- Training levy (0.2%)
- Policyholder levy (0.25%)
- Stamp duty (40)
Example: A car worth KES 1M at a 4.5% rate
– Premium: KES 45,000
– Levies/duties: ~Ksh 243
Total ≈ KES 45,243
What Affects the Premium?
- Car value (Sum Insured), Make, model, year (age, parts cost, safety features)
- Usage: private vs commercial vs app-hailing
- Vehicle age: older = higher premium & may need mechanical inspection if over 12–15 years
- Driver’s claim history
- Location: high‑risk areas like Nairobi/Mombasa increase cost
- Add‑ons: extra benefits like courtesy car, excess protector, political violence cover
Requirements to Buy
- ID, KRA PIN, logbook/import docs
- Proposal form – can be filled online
- Full premium payment – can be paid in instalments for some insurers/brokers
- Vehicle valuation (insurer may require mechanical report if >15 yrs) – can be facilitated by insurer/broker
TAKE NOTE
- TPO is mandatory.
- Comprehensive is optional but gives full protection.
- You’re paying 3–7.5% of your car's value plus 0.45% in levies/duties.
- Premium depends on your car’s value, age, model, use, location, and extras.
- Older cars may be restricted to TPO only.
What Should Imana Advise?
- Compare quotes based on Sum Insured and risk rates
- Decide on key add‑ons (courtesy car, excess protector, political violence)
- Check vehicle age eligibility (most firms restrict comps to ≤12–15 yrs)
- Factor in local risk zones (Nairobi vs Eldoret, etc.), COMESA for East Africa cruising
- Gather required docs (ID, KRA, logbook, valuation, mechanical report where needed
Imana www.imana.co.ke can guide clients to smart, tailor-made choices—not overpaying, but never underinsured. Want to add sample quotes or insurer options? Let's load up those premiums!
Imana Insurance Agency Kenya Ltd
Website: www.imana.co.ke
Phone Number: +254796209402
