Author: Raymond
Category: Tour Service Vehicles (TSV) Insurance

Tour Van, Safari Vehicle, Uber and Bolt Insurance in Kenya

Learn how motor insurance works for tour vans, safari vehicles, Uber, Bolt and other online taxis in Kenya, including correct vehicle classes, passenger liability, comprehensive cover, documents and claims.

Is Ordinary Private Motor Insurance Enough?

A vehicle may look like an ordinary private car, SUV, van or minibus but require a completely different insurance policy because of how it is used.

This is particularly important for:

Tour vans
Safari Land Cruisers
Airport-transfer vehicles
Hotel-transfer vehicles
Chauffeur-driven cars
Uber vehicles
Bolt vehicles
Other app-based taxis
Conventional taxis
Vehicles hired with a driver

These vehicles carry passengers for payment or as part of a commercial service. They should therefore not ordinarily be insured as vehicles used exclusively for private and social purposes.

A valid private motor certificate does not automatically provide suitable protection when a vehicle is being used commercially to transport passengers.

Kenya’s Transport Network Companies, Owners, Drivers and Passengers Regulations require a vehicle to have valid insurance before it is used to provide transport-network services. The Regulations also require relevant vehicle inspection and licensing documentation. (Kenya Law)

Tourist service vehicles are governed separately under the National Transport and Safety Authority’s tourist-service-vehicle regulations, which expressly require insurance through an insurer licensed under Kenya’s insurance framework. (Kenya Law)

Insurance follows the vehicle’s actual use—not merely its make, body shape or registration details.

Two Commercial Passenger-Transport Risks, One Insurance Principle

Tour vehicles and online taxis serve different customers, but they share an important insurance characteristic:

They transport passengers as part of a business activity.

Tour vans and safari vehicles

These may transport:

International tourists
Local holidaymakers
Hotel guests
Corporate groups
Conference delegates
Families on safari
Airport-transfer passengers
Tour guides and support staff

Their operations may involve:

National parks
Game reserves
Rural roads
Border crossings
Long-distance travel
Off-road or rough-road conditions
Luggage and photography equipment
Several days away from the operator’s base

Uber, Bolt and online taxis

These typically provide:

Urban passenger transport
Airport transfers
Corporate trips
On-demand app bookings
Short-distance and inter-county trips
Night-time transport
Multiple passenger journeys each day

The vehicles are often ordinary saloon cars, station wagons, hatchbacks, SUVs or vans. However, their commercial use changes the insurance exposure.

What Is Tour Van and Safari Vehicle Insurance?

Tour van or safari vehicle insurance is motor insurance arranged for vehicles used to transport tourists and other passengers as part of a licensed tourism or transport operation.

Eligible vehicle types may include:

Safari vans
Tour-service Land Cruisers
Minibuses
Tour buses
Airport-transfer vans
Chauffeur-driven vehicles
Hotel shuttle vehicles
Specially modified safari vehicles

Tourism Regulatory Authority licensing includes safari operators among the regulated tourism-enterprise categories. Operators must separately comply with applicable tourism, vehicle and transport requirements. (Tourism Authority)

A tourism licence, however, is not a motor insurance policy. The operator must still arrange suitable insurance for each vehicle.

What Is Uber, Bolt and Online Taxi Insurance?

Online taxi insurance is motor cover arranged for vehicles used to provide paid passenger transport through digital-hailing platforms.

The regulations refer to these vehicles as transport network vehicles and require them to have valid insurance before offering transport-network services. They must also hold the relevant inspection and vehicle documentation required under the regulatory framework. (Kenya Law)

This category may include vehicles operating through:

Ride-hailing applications
Corporate taxi platforms
Online airport-transfer services
App-based chauffeur services
Other registered transport-network companies

The insurer should be informed of the exact use.

Stating that a vehicle is “personal” while it is regularly used for paid online taxi trips may amount to a material misdescription of the risk.

Private Motor Insurance vs Commercial Passenger Insurance

Private motor insurance

Private motor cover is generally intended for:

Social use
Domestic use
Personal commuting
Private family travel

It does not ordinarily anticipate the vehicle being offered to members of the public for paid passenger transport.

Tour-service or taxi insurance

This cover recognises commercial passenger use and may provide for:

Increased time on the road
Multiple passengers
Commercial driving
Passenger liability
Different driver arrangements
Higher annual mileage
Airport and long-distance operations
Tourism or taxi licensing requirements

A private certificate should not be selected simply because it costs less.

The wrong motor class can create serious difficulties during a claim, even where the premium was paid and the certificate appears valid.

Types of Cover Available

Tour vans, safari vehicles and online taxis may generally be insured under one of the following arrangements, depending on insurer acceptance.

1. Third-Party Only Insurance

Third-Party Only insurance primarily covers eligible legal liability arising from:

Third-party bodily injury
Third-party death
Third-party property damage
Passenger liability where included and applicable

It does not ordinarily pay for accidental damage to the insured vehicle.

Example

An online taxi collides with another vehicle.

Third-Party Only cover may respond to eligible claims from:

Occupants of the other vehicle
Pedestrians
Passengers in the insured taxi
The owner of damaged third-party property

The policy does not ordinarily pay to repair the insured taxi itself.

2. Third-Party, Fire and Theft

This may provide:

Third-party liability
Fire damage to the insured vehicle
Theft of the insured vehicle

It generally does not cover ordinary accidental collision damage to the insured vehicle.

Availability varies by insurer.

3. Comprehensive Insurance

Comprehensive insurance may protect against:

Accidental damage
Collision
Overturning
Fire
Theft
Third-party bodily injury
Third-party property damage
Passenger liability, subject to the policy

Optional extensions may include:

Excess Protector
Political Violence and Terrorism
Windscreen cover
Entertainment-system cover
Road rescue
Courtesy vehicle
Personal Accident
Special-perils protection
COMESA Yellow Card
Territorial extensions

Comprehensive cover is particularly important where:

The vehicle is financed
The vehicle has a high replacement value
Business income depends on the vehicle
Repairs would be difficult to finance personally
The vehicle operates frequently or over long distances

Why Passenger Liability Matters

Passenger transport creates an exposure that does not arise to the same extent under ordinary private use.

Passengers may suffer injury during:

Collisions
Overturning
Sudden braking incidents
Boarding or alighting
Vehicle fires
Other insured road accidents

A suitable commercial passenger policy should clearly address passenger liability.

The policyholder should confirm:

Maximum seating capacity
Number of passengers insured
Whether the driver and conductor are covered
Whether tour guides are treated as passengers or employees
Applicable liability limits
Whether overloading affects the policy
Whether every seat must have a functional safety belt

A vehicle insured for seven passengers should not carry ten passengers.

Operating beyond the legally approved or insured capacity can create regulatory, safety and insurance complications.

Tour Van and Safari Vehicle Insurance Explained

Common vehicles insured

Safari and tour operators may use:

Toyota Hiace safari vans
Toyota Land Cruisers
Land Rover vehicles
Minibuses
Coasters
Luxury SUVs
Chauffeur-driven saloon cars
Specially modified game-viewing vehicles

The insurer may consider:

Vehicle age
Seating capacity
Body modifications
Pop-up roof
Four-wheel-drive system
Accessories
Radio equipment
Refrigeration or camping equipment
Intended routes
Annual mileage
Countries visited
Driver experience
Claims history

Modified safari vehicles

Many safari vehicles have modifications such as:

Pop-up roofs
Raised suspension
Reinforced bumpers
Roof racks
Additional fuel tanks
Snorkels
Winches
Communication equipment
Charging systems
Safari seats
Refrigeration boxes

These changes should be disclosed.

The standard vehicle value may not automatically include the cost of specialist modifications and accessories.

The policyholder should confirm whether modifications are:

Included in the vehicle value
Listed separately
Subject to an accessories limit
Approved by the insurer
Reflected in the valuation report

Off-road and national-park use

Tour vehicles may travel on:

Gravel roads
Muddy tracks
Rough rural roads
National-park routes
Private conservancy roads

The policyholder should ask whether normal authorised safari-road use is covered.

Competitive off-roading, reckless use, prohibited routes and deliberate entry into unsafe areas may not be covered.

Animal-related damage

Safari vehicles may be exposed to damage involving wildlife.

Whether animal impact or other wildlife-related damage is covered depends on:

Cause of damage
Policy wording
Comprehensive cover
Exclusions
Driver conduct
Location and circumstances

Do not assume every wildlife-related incident is automatically covered.

Cross-Border Safari Operations

Tour operators may take vehicles from Kenya into countries such as:

Uganda
Tanzania
Rwanda
Zambia
Zimbabwe
Other regional destinations

A Kenyan motor certificate may not provide adequate third-party protection outside Kenya.

The operator may need:

COMESA Yellow Card
Own-damage territorial extension
Cross-border road rescue
Travel Insurance for passengers
Goods or equipment protection
Country-specific road and border documents

The COMESA Yellow Card mainly extends recognised third-party liability across participating countries. It does not automatically provide comprehensive protection for damage to the tour vehicle.

Before departure, confirm:

Destination countries
Transit countries
Travel dates
Vehicle details
Territorial extension
Emergency contacts
Claims procedure outside Kenya

Uber, Bolt and Online Taxi Insurance Explained

Why online taxis are not ordinary private cars

A ride-hailing vehicle may spend many hours each day:

Searching for passengers
Driving in congested traffic
Operating at night
Entering airports and shopping centres
Travelling to unfamiliar locations
Carrying multiple unrelated passengers
Completing many short trips

This increased use may result in:

Higher annual mileage
Increased accident exposure
Greater wear and tear
More frequent driver changes
Passenger-related claims
Increased theft and security exposure

The insurer must therefore price and classify the vehicle according to its commercial passenger use.

Transport network vehicle requirements

Before use, a transport network vehicle must hold valid insurance and the required inspection and vehicle documentation. Drivers must also comply with the applicable licensing and identification requirements under the regulations. (Kenya Law)

NTSA provides digital services for vehicle registration, inspection and PSV-related applications through its online platforms. (NTSA Service Portal)

Insurance does not replace:

Vehicle inspection
Driver licensing
Platform approval
Transport-network compliance
Road-service licensing
Other applicable NTSA requirements

Can a Privately Owned Car Be Used for Online Taxi Work?

A privately owned vehicle may potentially be converted or approved for online taxi operations, subject to:

Platform eligibility
NTSA requirements
Correct insurance classification
Vehicle inspection
Driver licensing
Financier consent where applicable
Other regulatory conditions

The owner should arrange the correct insurance before beginning commercial operations.

Do not wait for an accident to inform the insurer that the car was being used for paid passenger transport.

What If the Car Is Used for Uber Only Occasionally?

Occasional commercial use remains commercial use.

Examples include:

Driving on the platform only during weekends
Accepting trips after work
Operating only during holidays
Providing airport transfers occasionally
Allowing another person to use the car for ride-hailing

A private policy is not automatically suitable because the taxi activity is part-time.

The actual use should be declared and accepted by the insurer.

Can One Vehicle Be Used for Both Private and Online Taxi Purposes?

A vehicle may be used privately when it is not carrying paying passengers, but its insurance classification should still recognise its ride-hailing or taxi activity.

The commercial use is the material exposure.

The policyholder should not switch informally between private and taxi certificates depending on the day’s intended activity.

Vehicle Valuation for Tour and Taxi Vehicles

Comprehensive insurance requires an appropriate vehicle value.

The insured value should ordinarily reflect the vehicle’s reasonable market value, including declared permanent modifications where applicable.

A professional valuation may establish:

Vehicle condition
Make and model
Year of manufacture
Chassis and engine details
Current market value
Accessories
Safari modifications
Existing damage

Why accurate valuation matters

Overinsurance

Insuring a vehicle above its reasonable value does not necessarily mean the insurer will pay the inflated amount after a total loss.

Underinsurance

Insuring below the appropriate value can result in:

Reduced settlement
Application of average
Inadequate funds to replace the vehicle
Financial pressure on the operator

High-use vehicles should be revalued periodically because mileage and condition can change quickly.

Accessories and Equipment That Should Be Declared

Tour operators and online taxi owners may install:

Tracking devices
Dashboard cameras
Radios
Roof racks
Extra seats
Refrigeration units
Wi-Fi equipment
Mobile-payment devices
Charging systems
Entertainment equipment
Special lighting
Bull bars
Winches

The policy should clarify:

Whether accessories are included
Maximum payable limit
Whether theft is covered
Whether portable equipment is excluded
Whether the item must be permanently fitted

Passenger belongings are not automatically insured as vehicle accessories.

Does Motor Insurance Cover Passenger Baggage?

Not ordinarily under the basic motor section.

A tour operator may carry:

Suitcases
Cameras
Laptops
Travel documents
Camping equipment
Photography equipment

Passenger belongings may require:

Travel Insurance
Baggage Insurance
All Risks Insurance
Goods in Transit cover
Tour Operator’s Liability protection

The operator should avoid promising that every passenger’s luggage is fully insured unless there is a specific policy providing that benefit.

Additional Insurance for Tour Operators

A tour company may require more than motor insurance.

Tour Operator’s Liability

This may protect against eligible legal claims arising from the operator’s business activities.

Public Liability

This may address accidental third-party injury or property damage connected to the operator’s premises or general activities.

Professional Indemnity

This may be relevant where customers allege financial loss caused by professional errors, incorrect bookings or negligent travel arrangements, subject to policy terms.

Travel Insurance

Group or individual Travel Insurance may protect travellers against:

Medical emergencies
Evacuation
Cancellation
Baggage loss
Personal Accident

WIBA Insurance

Tour companies employing:

Drivers
Guides
Office staff
Mechanics
Cleaners
Casual employees

should maintain suitable work-injury protection.

Group Personal Accident

This may provide broader accident benefits to employees on a 24-hour basis.

Property and Office Insurance

This may protect:

Office equipment
Computers
Furniture
Booking systems
Communication equipment

Cyber Insurance

Tour operators process:

Passport details
Payment information
Travel itineraries
Customer contacts

Cyber cover may help address eligible data breaches and system interruptions.

Additional Insurance for Online Taxi Owners and Fleet Operators

A person operating one or several ride-hailing vehicles may also consider:

Driver Personal Accident
WIBA where drivers are employees
Group Personal Accident
Road rescue
Loss-of-use arrangements
Political Violence and Terrorism
Cyber or data protection for fleet platforms
Fidelity or crime protection for employed drivers
Business Interruption where available and appropriate

The owner should establish the legal relationship with each driver.

A vehicle hired to a driver under a daily-target or revenue-sharing arrangement may create different responsibilities from a normal employer–employee arrangement.

Legal and employment advice may be necessary where the relationship is unclear.

Does Comprehensive Insurance Cover Loss of Daily Taxi Income?

Not automatically.

When an online taxi or tour vehicle is damaged, the owner may lose income while it is being repaired.

Ordinary comprehensive insurance mainly addresses physical vehicle damage and liability.

It does not necessarily reimburse:

Missed taxi trips
Lost platform earnings
Cancelled safari bookings
Driver targets
Loan instalments
Lost commissions
Customer refunds

Some insurers may offer:

Loss-of-use benefits
Courtesy vehicle
Business Interruption-type extensions
Daily cash benefits

These must be expressly included.

Do not assume that the insurer will pay daily income merely because the vehicle was comprehensively insured.

Common Optional Motor Extensions

Excess Protector

This may protect the policyholder against paying specified accidental-damage excesses.

It may not remove every excess.

Special excesses may still apply to:

Young drivers
Inexperienced drivers
Theft
Total loss
Windscreen claims
Political violence
Unauthorised drivers

Political Violence and Terrorism

This may extend protection for qualifying loss caused by:

Riots
Civil commotion
Political violence
Terrorism
Specified malicious acts

Windscreen Cover

Tour and taxi vehicles spend long periods on the road and may face windscreen damage.

Confirm:

Annual limit
Excess
Number of claims
Whether side and rear glass are included

Road Rescue

Road rescue may include:

Towing
Battery assistance
Tyre assistance
Emergency fuel delivery
Recovery after an accident

Tour operators should check the geographical radius, particularly for remote safari routes.

Courtesy Vehicle

A courtesy vehicle may be provided subject to:

Availability
Maximum number of days
Approved repair duration
Vehicle class
Policy conditions

A standard saloon courtesy vehicle may not replace a specialised safari van.

Personal Accident

This may provide fixed benefits for the insured driver or named occupants following an eligible accident.

Who Is Allowed to Drive the Vehicle?

The policy may cover:

Named drivers
Authorised drivers
Employed drivers
Drivers within a stated age range
Drivers holding the correct licence class

Claims may be affected where the driver:

Has no valid licence
Uses an incorrect licence class
Is not authorised
Is intoxicated
Uses the vehicle outside permitted operations
Allows an unapproved person to drive
Breaches the policy’s driver restrictions

Tour operators and taxi-fleet owners should maintain:

Driver files
Licence copies
PSV documentation
Employment or hiring agreements
Training records
Incident history
Medical or competence records where required

Documents Required for a Quotation

Vehicle documents

Logbook or eLogbook
Current insurance certificate
Vehicle registration
Make and model
Year of manufacture
Engine capacity
Seating capacity
Vehicle value
Inspection report where required
Valuation report for comprehensive cover

NTSA introduced electronic motor-vehicle registration certificates through its eCitizen-linked services in 2026, and vehicle owners can access the relevant eLogbook services through their registered accounts. (NTSA)

Owner documents

National ID or passport
KRA PIN
Company registration documents
CR12 or current company information
Business permit
Contact details

Operational documents

For online taxis:

Platform details
Transport-network documentation
Vehicle inspection
Driver details
PSV-related documentation
Expected use and operating area

For tour vehicles:

Tourism operator details
Tour-service licence
Routes
Countries visited
Driver and guide information
Vehicle modifications
Expected annual mileage

Claims history

The insurer may request:

Previous insurer
Previous claims
Accident history
Theft history
Driver-loss experience
Number of vehicles in the fleet

How Much Does Tour Van or Online Taxi Insurance Cost?

There is no universal premium.

Pricing may depend on:

Vehicle value
Third-Party or Comprehensive cover
Online taxi or tour use
Seating capacity
Vehicle age
Driver age and experience
Claims history
Operating area
Annual mileage
Vehicle modifications
Security and tracking
Selected extensions
Policy excess
Number of vehicles

A tour Land Cruiser worth several million shillings will not be priced in the same way as an older online taxi saloon car.

A fleet may also receive different terms from a single-vehicle owner.

Obtain a current written quotation based on the actual vehicle and use.

What to Do After an Accident

1. Protect people

Check passengers, drivers and third parties for injuries.

Arrange emergency assistance where necessary.

2. Secure the scene

Use hazard lights, reflective triangles and safe positioning where possible.

3. Contact the police

Obtain the relevant police report or abstract.

4. Record evidence

Take clear photographs and videos showing:

Vehicle positions
Registration plates
Damage
Road conditions
Passenger areas
Traffic signs
Third-party property
Surrounding environment

5. Collect information

Record:

Passenger names
Third-party driver details
Vehicle-owner details
Witness contacts
Police officer details
Platform trip reference
Tour itinerary where applicable

6. Notify the insurer or intermediary

Report the accident immediately, even where damage appears minor.

7. Do not admit liability

Provide factual assistance but do not promise private compensation or accept legal responsibility before assessment.

8. Preserve platform and trip records

Online taxi drivers should retain:

Trip details
Pickup and destination information
Passenger information available through the platform
App screenshots
Communication records

Tour operators should retain:

Passenger manifest
Booking record
Itinerary
Driver assignment
Vehicle movement records

Common Claim Documents

The insurer may request:

Completed claim form
Policy schedule
Motor certificate
Police abstract
Driver’s licence
Driver’s PSV documentation where applicable
Vehicle logbook
Inspection certificate
Photographs
Repair estimate
Assessor’s report
Passenger list
Trip details
Platform-trip record
Tour booking records
Witness statements
Third-party demand
Court documents
Medical reports
Tracking report

The documents depend on the type of claim.

Common Reasons Claims May Be Delayed or Declined

Claims may face difficulties because of:

Wrong insurance class
Undeclared online taxi or tour use
Unlicensed driver
Expired policy
Expired inspection
Incorrect seating capacity
Overloading
Undeclared vehicle modifications
Unauthorised driver
Driving outside the territorial limits
Late reporting
Repairs undertaken without approval
Fraudulent documents
Intoxication
Deliberate or reckless conduct
Wear and tear rather than accidental damage

The policyholder should read:

Schedule
Certificate
Endorsements
Policy wording
Excess requirements
Driver conditions
Territorial limits

Common Mistakes Vehicle Owners Make

Insuring an online taxi as a private car

This is one of the most serious classification errors.

Using an ordinary taxi policy for a tour vehicle

Tour-service operations involve different routes, vehicle types and regulatory requirements.

Failing to declare vehicle modifications

Safari roofs and specialist equipment may not be automatically included.

Assuming comprehensive means everything

Comprehensive cover still contains exclusions, excesses and conditions.

Ignoring passenger capacity

The insurer must know the correct authorised seating capacity.

Allowing unapproved drivers

The policy may restrict who can drive.

Insuring at an unrealistic value

Underinsurance can reduce claims, while overinsurance does not guarantee an inflated settlement.

Ignoring cross-border requirements

A Kenyan policy may require additional documents and territorial extensions.

Assuming lost income is covered

Loss of daily taxi or safari income is not automatically included.

Choosing only by premium

A cheaper quotation may omit:

Passenger liability
Excess Protector
Political Violence
Road rescue
Appropriate territorial cover
Important driver extensions

How to Compare Quotations

Give every insurer the same information.

Then compare:

Vehicle class
Insured use
Third-Party or Comprehensive benefits
Passenger liability
Vehicle value
Policy excess
Excess Protector
Theft requirements
Political Violence and Terrorism
Windscreen
Road rescue
Courtesy vehicle
Territorial limits
COMESA options
Authorised drivers
Claims procedures
Premium instalment terms
Exclusions

The lowest quotation is not necessarily the best quotation.

The most important question is:

Does the certificate and policy correctly describe what the vehicle actually does?

How Imana Helps Tour Operators and Online Taxi Owners

Imana Insurance Agency Kenya Ltd helps vehicle owners, taxi drivers, fleet managers, tour operators and safari companies compare suitable motor-insurance quotations from licensed insurers.

The process may include:

Confirming how the vehicle is used.
Identifying the appropriate motor class.
Reviewing vehicle and driver documents.
Arranging comprehensive valuation where required.
Comparing Third-Party and Comprehensive options.
Reviewing passenger liability.
Checking excesses and optional extensions.
Coordinating policy and certificate issuance.
Supporting changes, renewals and additions.
Assisting with claim notification and follow-up.

Tour Vehicle and Online Taxi Insurance in Westlands and Across Kenya

Imana Insurance Agency Kenya Ltd
4th Floor, Krishna Centre
Woodvale Grove, Westlands
Nairobi, Kenya

Website: www.imana.co.ke
Call or WhatsApp: +254 796 209 402

Whether you carry tourists across Kenya or passengers across Nairobi, insure the vehicle according to its actual commercial use.

Frequently Asked Questions

Can I use private motor insurance for Uber or Bolt?

Not ordinarily. Paid ride-hailing use should be declared and insured under a suitable commercial passenger or online taxi class.

What insurance does an online taxi need?

The vehicle requires valid motor insurance appropriate for its transport-network use, together with the relevant inspection, vehicle and driver compliance documents. (Kenya Law)

Can I insure an Uber vehicle comprehensively?

Yes, subject to the insurer’s underwriting requirements, vehicle condition, value and documentation.

What is safari vehicle insurance?

It is motor insurance designed for vehicles used to transport tourists and other passengers as part of a tour-service operation.

Is a tour van considered a PSV?

Tourist service vehicles operate under applicable tourist-service and passenger-transport regulations and require suitable insurance and licensing. (Kenya Law)

Does tour van insurance cover passengers?

A suitable policy may include passenger liability, subject to the seating capacity, limits and policy wording.

Does comprehensive insurance cover passenger luggage?

Not automatically. Separate Travel, Baggage, All Risks or other appropriate insurance may be needed.

Does online taxi insurance cover lost daily income?

Not ordinarily unless a specific loss-of-use, daily cash or related extension is included.

Can two drivers use the same taxi vehicle?

Possibly, but both drivers must meet the insurer’s authorisation conditions and the applicable licensing requirements.

Are safari vehicle modifications covered?

They may be covered where disclosed, accepted, valued and included in the policy.

Can a tour vehicle travel outside Kenya?

Yes, subject to relevant border requirements, territorial extensions, a COMESA Yellow Card where applicable and other required documents.

Can one policy cover a fleet?

Yes. A fleet policy may cover several declared vehicles, subject to underwriting and accurate schedules.

Can Imana compare online taxi and safari vehicle insurance?

Yes. Imana can compare suitable motor classes, premiums, passenger benefits, excesses and extensions from available licensed insurers.

The Bottom Line

Tour vans, safari vehicles, Uber vehicles, Bolt vehicles and other online taxis generate income by transporting passengers.

That commercial use must be reflected in the insurance.

Before purchasing cover:

Declare the exact vehicle use.
Select the correct motor class.
Confirm passenger liability.
Insure the correct seating capacity.
Use authorised and properly licensed drivers.
Value the vehicle accurately.
Declare safari modifications and accessories.
Review territorial limits.
Obtain cross-border protection where required.
Compare excesses and optional benefits.
Keep inspection and licensing documents current.
Report accidents immediately.

A private-looking vehicle can still be a commercial passenger vehicle. What matters is not how the car looks—it is how the vehicle earns its income and carries its passengers.

Imana Insurance Agency Kenya Ltd
Call or WhatsApp: +254 796 209 402
Website: www.imana.co.ke**

Correct class. Proper passenger protection. Reliable support for every journey.

Motor-insurance premiums, classifications, passenger limits, excesses, territorial extensions and underwriting requirements differ between insurers. Transport, tourism and inspection requirements may change. Obtain current confirmation from the relevant authorities, insurer and licensed intermediary before operating or insuring the vehicle.

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