Personal Insurance

Personal Insurance

Motor Insurance

Motor Private Comprehensive Insurance

Provides protection against accidental loss or damage to personal private motor vehicles, including the standard accessories and spare parts, as well as cover against legal liability to third parties. Coverage provides comprehensive, Third party fire & theft or third party only.

This cover takes care of a wide range of risks that a motorist may suffer in the process of using his/her vehicle. The main cover features are as follows;

  • Accidental Impact damage including overturning and collision.
  • Accidental Fire damage.
  • Theft/partial Theft cover.
  • Third-party liability covers for bodily injury & property damage.
  • Windscreen cover.
  • Entertainment system cover.
  • Emergency Medical expense cover.
  • Courtesy car/ loss of use cover.
  • Excess protector.
  • Political Violence & Terrorism cover.


Motor Third Party Insurance

This is the minimum legal cover for any motor vehicle to be licensed to operate in Kenya. TPO compensates the owner from any third party legal liabilities arising from accidental occurrences in the course of operating the motor vehicle. This third party legal liability cover is usually extended beyond Kenya by the purchase of a Yellow Card /COMESA Card from your insurer.

This cover will, on behalf of the insured, compensate third parties (as the name suggests), i.e. persons, in and out of the vehicle, (except the insured, their household members, employees and driver at the time of the accident), for accidental property damage, death or bodily injury. From the foregoing, it is now clear that you are not covered for damage to your own car and any injuries you, your household, employees and the driver at the time of the accident suffer. Nevertheless, all these exceptions can have a chance to recover if the insured is not blamed for the accident and they successfully sue the blamed third party and that third party’s insurer.


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