Third-Party Only (TPO) Motor Insurance
The legal-minimum motor cover in Kenya — protects you against injury, death, and property damage you cause to others. Annual cover from KSh 7,500.
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KSh 7,500/year
Third-Party Only (TPO) motor insurance in Kenya costs from KSh 7,500 per year for a private car and is the minimum cover required by law. It pays for injury, death, or property damage you cause to other people — but not damage to your own vehicle. Vike issues a DMVIC-compliant cover note within minutes of payment, online or over WhatsApp.
- Private car TPO: from KSh 7,500/year
- Commercial vehicle TPO: from KSh 5,500/year (rated by tonnage)
- Motorcycle / boda boda and PSV TPO also available
- Buy online or on WhatsApp — cover note in minutes
- DMVIC-compliant; IRA-regulated underwriters
Third-Party Only (TPO) is the minimum motor insurance every vehicle on a Kenyan road must carry under the Insurance (Motor Vehicles Third Party Risks) Act. It covers your legal liability for bodily injury, death, and property damage you cause to other people — pedestrians, passengers in other vehicles, and other road users. It does not cover damage to your own vehicle, theft, or fire; for those you would step up to Third-Party Fire & Theft (TPFT) or Comprehensive cover.
TPO is the most affordable way to drive legally. For a private car, annual TPO from Vike starts at KSh 7,500. Commercial vehicles are rated by tonnage (typically KSh 5,500 to KSh 16,000 a year), and motorcycle and PSV TPO are priced by class and use. Whatever the vehicle, we issue a DMVIC-compliant cover note within minutes of payment so you can be on the road the same day — pay and onboard entirely online or over WhatsApp.
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
Passenger legal liability where the class of vehicle requires it
A DMVIC-compliant digital certificate, valid nationwide
Who It's For
Owners of older or low-value vehicles where Comprehensive no longer makes economic sense
Drivers who need to be road-legal quickly and at the lowest cost
Boda boda riders, matatu/PSV operators, and commercial owners meeting the statutory minimum
Anyone bridging a short gap before arranging fuller cover
Types We Cover
Each profile is rated and underwritten differently. Talk to us so we can match your specific situation.
Private Car TPO
Third-party only cover for personal sedans, hatchbacks, SUVs, and station wagons. From KSh 7,500 per year.
Commercial Vehicle TPO
For vans, pickups, and lorries. Rated by tonnage — typically KSh 5,500 to KSh 16,000 a year depending on weight class.
Motorcycle / Boda Boda TPO
Third-party cover for motorcycles, including fare-carrying boda bodas that need passenger legal liability. Priced by use.
PSV / Matatu TPO
Statutory third-party cover for public service vehicles, with the passenger legal liability the class requires.
Real-World Scenarios
You hit a pedestrian
Third-party bodily injury is legally unlimited in Kenya. Your TPO policy handles the injury claim and any associated legal costs, subject to the policy terms — protecting you from a potentially ruinous personal liability.
You reverse into another car
TPO pays for the damage to the other vehicle up to the property-damage limit. Damage to your own car is not covered under TPO — that would require Comprehensive cover.
Your own car is stolen or burns
TPO does not cover theft or fire to your own vehicle. If those risks matter to you, TPFT adds them; Comprehensive adds accidental own-damage on top. We will compare the premium step-up so you can decide.
Frequently Asked Questions
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