Comprehensive Motor Insurance
The fullest motor cover in Kenya — own-damage, theft, fire, and third-party liability in one policy. Premiums from about KSh 37,500/year, typically around 4% of your car's value.
from
KSh 37,500/year
Comprehensive motor insurance in Kenya is rated at roughly 4% of your car's current value, with a minimum annual premium of about KSh 37,500. It is the fullest cover available — it pays for damage to your own vehicle (accident, theft, fire, vandalism) on top of the third-party injury and property liability that TPO provides. Vike compares quotes from 10+ IRA-regulated underwriters and issues a DMVIC-compliant cover note the same day, online or over WhatsApp.
- Premium ≈ 4% of the car's value; minimum about KSh 37,500/year
- Covers own damage, theft, fire, and third-party liability
- No-Claim Discount (NCD) up to 50% rewards claim-free years
- Add-ons: excess protector, courtesy car, PVT, windscreen, entertainment
- Quotes from 10+ underwriters; same-day DMVIC cover note
Comprehensive is the highest level of motor cover in Kenya. On top of the third-party injury and property liability that every vehicle must carry by law, it pays for accidental damage to your own vehicle, theft of the vehicle, fire, malicious damage, and (with the usual add-ons) windscreen and in-car entertainment. If your car is financed, on a bank loan, or simply worth protecting, Comprehensive is almost always the cover your lender — and your own balance sheet — will require.
Premiums are rated as a percentage of the vehicle's current market value, typically around 4%, subject to a minimum annual premium of about KSh 37,500. So a car valued at KSh 1.5M would attract roughly KSh 60,000 a year before discounts. A No-Claim Discount (NCD) of up to 50% rewards consecutive claim-free years, and your driving profile, vehicle age, and chosen add-ons all move the figure. Vike compares quotes across 10+ IRA-regulated underwriters to find the best price for your risk, and issues a DMVIC-compliant cover note the same day once you accept — online or over WhatsApp.
What It Covers
Accidental damage to your own vehicle, however the accident happened
Theft of the vehicle, and damage caused by attempted theft
Fire, explosion, self-ignition, and lightning damage
Third-party bodily injury, death, and property damage liability
Malicious damage and (with PVT add-on) political violence and terrorism
Optional windscreen, entertainment, excess protector, and courtesy car
Who It's For
Owners of financed or bank-loan vehicles, where Comprehensive is mandatory
Newer or higher-value cars where own-damage repair costs are significant
Drivers who want full protection against accident, theft, and fire — not just legal minimum
Anyone who would struggle to absorb the cost of repairing or replacing their own car
Types We Cover
Each profile is rated and underwritten differently. Talk to us so we can match your specific situation.
Private Car Comprehensive
Full own-damage, theft, fire, and liability cover for personal cars, rated at ~4% of value with NCD up to 50%.
Commercial Comprehensive
Comprehensive cover for vans, pickups, and lorries, rated on value and use, with goods-in-transit and liability extensions available.
Comprehensive + PVT
Adds Political Violence & Terrorism cover — increasingly requested after riot and unrest events — on top of standard comprehensive.
Real-World Scenarios
You cause a multi-car accident
Comprehensive pays to repair your own vehicle and covers the third-party injury and property claims — the one policy handles both sides, subject to your excess.
Your car is stolen from a car park
Theft of the vehicle is covered. After the police report and DMVIC checks, the insurer settles at the agreed or market value, less any excess — something TPO and TPFT (theft only) handle very differently.
You've driven claim-free for years
Your No-Claim Discount can reach 50%, roughly halving the base premium. We transfer accrued NCD when you move to Vike, so you don't lose the discount you've earned elsewhere.
Frequently Asked Questions
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