Motor Insurance That Actually Makes Sense

You will need your vehicle registration number, logbook details (make, model, year of manufacture), and your ID or passport. For new purchases, a pro-forma invoice is accepted.

An excess is the portion of a claim you agree to pay yourself. For example, if your excess is KES 15,000 and your repair costs KES 80,000, you pay KES 15,000 and the insurer covers the remaining KES 65,000. An Excess Protector add-on can waive this.

Yes. A no-claims discount (NCD) earned with any IRA-regulated insurer in Kenya can be transferred. You will need a letter of no-claims from your previous insurer.

First ensure everyone is safe. Then call our claims line immediately. Do not admit liability at the scene. Take photos, exchange details with the other party, and get a police abstract. We will guide you through the rest.

For private motor, your cover note is issued within minutes of payment confirmation. Commercial and PSV vehicles may take one business day for underwriter approval.

Yes. Financed vehicles are insured comprehensively as required by most lenders. The financier is noted as a joint insured on the policy.