Motor Cover Compared
The two levels of motor insurance in Kenya: what each one covers, what it typically costs, and which is right for your vehicle.
In short: Third-Party Only (TPO) is the legal minimum and the cheapest. It pays only for harm you cause to others. Comprehensive also covers your own car against accident, fire and theft, and is what lenders require for financed vehicles. Cost rises from KES 7,500/yr for TPO to about 4% of the car's value for comprehensive.
| Cover | Third-Party Only (TPO) Legal minimum | Comprehensive Fullest cover |
|---|---|---|
| Third-party injury & death liability | Included | Included |
| Third-party property damage | Included | Included |
| Fire damage to your own vehicle | Not included | Included |
| Theft of your own vehicle | Not included | Included |
| Accidental damage to your own vehicle | Not included | Included |
| Malicious / vandalism damage | Not included | Included |
| Windscreen & entertainment | Not included | Add-on |
| Political violence & terrorism (PVT) | Not included | Add-on |
| Typical annual cost (private car) | From KES 7,500 | ~4% of value (min ~KES 37,500) |
| Meets the legal minimum? | Yes: exactly | Yes: exceeds |
| Best for | Older / low-value cars; lowest legal cost | Financed, newer, or higher-value cars |
| View Third-Party Only → | View Comprehensive → |
Figures are typical private-car illustrations; your premium depends on the vehicle, its value and age, your driving profile, and chosen add-ons.
Third-party fire and theft (TPFT) is rarely offered in Kenya today, so we quote Third-Party Only and Comprehensive.
Your car is older or low-value, you want to be road-legal at the lowest cost, or the vehicle is over the 15-year age limit for comprehensive.
Third-Party Only →Your car is financed, newer, or high-value, or you simply want full protection against accident, theft, and fire.
Comprehensive cover →Tell us about your vehicle and we'll recommend the right level and compare quotes from 10+ IRA-regulated insurers.
