Vike FlexiCover: Monthly Motor Insurance
Pay-monthly third-party motor insurance in Kenya. Stay road-legal from KSh 1,200 a month with no big annual lump sum. Cancel or upgrade any time.
from
KSh 1,200/month
Vike FlexiCover is pay-monthly third-party (TPO) motor insurance in Kenya from KSh 1,200 a month for a private car, billed in small monthly instalments instead of one annual lump sum. Rates are inclusive and vary by class: commercial from KSh 1,500/month, PSV from KSh 3,000/month, and motorcycle (boda boda) from KSh 1,000/month. It is the legal-minimum cover, keeps you road-legal, and can be started, paused, or upgraded entirely over WhatsApp. You pay a little more than the annual price for the convenience of spreading the cost.
- Private car FlexiCover: from KSh 1,200/month (inclusive)
- Commercial from KSh 1,500/mo · PSV from KSh 3,000/mo · motorcycle from KSh 1,000/mo
- Cancel, pause, or upgrade to Comprehensive any time
- DMVIC-compliant cover note issued in minutes
- Start and manage entirely on WhatsApp. IRA-regulated underwriters
Vike FlexiCover is monthly-billed motor insurance for drivers who would rather not pay a full year's premium up front. Instead of one annual lump sum for private-car third-party (TPO) cover, you pay an inclusive monthly amount, from KSh 1,200, and stay continuously road-legal under the Insurance (Motor Vehicles Third Party Risks) Act. It is the same legal-minimum liability cover as annual TPO: it protects you against injury, death, and property damage you cause to other people, but not damage to your own vehicle. Rates are set by vehicle class: commercial from KSh 1,500/month, PSV from KSh 3,000/month (max 4 passenger legal liability), and motorcycle (boda boda) from KSh 1,000/month.
Paying monthly costs a little more overall than the KSh 7,500 annual private-car premium: that is the trade-off for not having to find the whole premium at once. There is no long lock-in: you can cancel, pause between vehicles, or upgrade to Comprehensive at any time, and we recalculate the monthly figure for the new cover. You start the plan and manage every renewal over WhatsApp, and a DMVIC-compliant cover note is issued within minutes of your first payment.
What It Covers
Third-party bodily injury and death (legally unlimited in Kenya)
Third-party property damage up to the policy limit
Your legal liability and associated defence costs
A DMVIC-compliant digital certificate, valid nationwide, kept active month to month
The flexibility to cancel, pause, or upgrade without losing your no-claims standing
Who It's For
Boda boda riders, gig drivers, and self-employed owners with month-to-month cash flow
Drivers who cannot or would rather not pay a full annual premium in one go
Owners of older or low-value vehicles who only need the legal minimum
Anyone who wants to stay road-legal between jobs or while deciding on fuller cover
Types We Cover
Each profile is rated and underwritten differently. Talk to us so we can match your specific situation.
Private Car FlexiCover
Pay-monthly TPO for personal cars, from KSh 1,200 a month (inclusive). Cancel or upgrade any time.
Motorcycle / Boda Boda FlexiCover
Monthly third-party cover for motorcycles and fare-carrying boda bodas, from KSh 1,000 a month (inclusive), ideal for riders paid weekly or daily.
Commercial FlexiCover
Monthly-billed TPO for vans and pickups, from KSh 1,500 a month (inclusive), so commercial owners can match insurance to monthly revenue.
PSV FlexiCover
Monthly TPO for public-service vehicles, from KSh 3,000 a month (inclusive, up to 4 passenger legal liability).
Real-World Scenarios
Cash is tight this month
Instead of finding the full annual premium at renewal, you pay from KSh 1,200 a month and stay covered. Your DMVIC certificate remains active as long as the monthly payment is made, no gap, no lump sum.
You want to upgrade mid-term
Decided you want own-damage protection? Switch from FlexiCover TPO to Comprehensive at any time. We recalculate the monthly instalment for the new cover and carry on from there.
You sell the car or take a break
Because there is no annual lock-in, you can pause or cancel FlexiCover when you sell a vehicle or stop driving, and restart when you need cover again. All over WhatsApp.
Frequently Asked Questions
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