Car Insurance - Auto Insurance in Kenya

Motor insurance in Kenya protects insured against financial loss in the event that the motor vehicle is involved in an accident, burnt or stolen. It also covers third party liabilities.

Auto insurance policies typically cover a variety of things, but the specific coverages can vary depending on the type of policy you purchase. 

The two main types of coverage for auto insurance, especially for private and psv, include comprehensive and third-party coverage. 

At Sunland Insurance Brokers, we provide prompt and round-the-clock auto insurance services to ensure you and your motor vehicle are covered.

Car Insurance In Kenya - Sunland Insurance Brokers

Types of Auto Insurance in Kenya

motor Private policy

The policy covers vehicles used for domestic and pleasure purposes. The risks covered are Accidents, Thefts, Third Party liabilities and Fire.Lately double cabs have been classified as private car for purposes of insurance.

PSV policy

PSV insurance is a type of auto insurance specifically designed for vehicles that carry passengers for hire.

PSV policy typically covers:

Third-party liability: This covers injuries and damages to other people and their property caused by your vehicle. In some countries, PSV insurance is mandatory by law.

Loss or damage to your vehicle: This covers damage to your PSV from accidents, theft, fire, or other perils outlined in the policy.

Medical expenses: This covers medical bills for you, your authori

Commercial Vehicle Policy

The policy covers all types of vehicles whose core use is for commercial use even if that use is private. Thus single Cabin pick ups are covered under this heading of the policy. Commercial vehicle policies are further divided as own use that is, the insured’s own business and hire and reward where one is using the vehicle to charge for a fee for use of the vehicle. Thus the vehicles that have “ask for transport” sign should be properly be insured as commercial vehicle- for hire & reward. The risks covered are similar to one of private car.

Marine Policy

This class of policy covers risks associated with damage and/or loss to goods while being shipped in or out of the country or being airlifted. A declaration is made on the nature of the goods carried and the nature of that carriage.The cost of valuation for the goods should include flight & conveyance costs. With effect from 1/1/2017 the Government prohibited insuring of goods coming into the country with Insurers outside the boundaries of Kenya.

Motor Bike Insurance

Motor Cycle Policy

Motorcycle insurance works similarly to car insurance, but with some key differences. Here’s a breakdown of what motorcycle policies typically cover.

Liability Coverage.

Third-party liability: This is similar to car insurance and covers injuries and property damage caused to others by your motorcycle in an accident. It’s often mandatory by law.

Coverage for Your Motorcycle

Comprehensive: This covers damage to your motorcycle from accidents (collision or overturn), theft, fire, vandalism, and other perils outlined in the policy.

Collision: This covers damage to your motorcycle from a collision with another vehicle or object.

Additional Coverages:

Medical Payments: This covers medical expenses for you and your passengers in case of an accident.

Uninsured/Underinsured Motorist: This covers you if you’re hit by a driver with no insurance or not enough insurance to cover your damages.

Accessories: Covers additional items attached to your motorcycle, like helmets, saddlebags etc.

Custom Parts: Covers modifications made to your motorcycle.

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Benefits of Auto Insurance in Kenya

  • Financial Protection:  Accidents can be very expensive, and auto insurance can help you avoid having to pay for repairs or replacements out of pocket. This can be a lifesaver, especially if you cause an accident or your car is totaled.

  • Liability Coverage: This protects you from having to pay for damages or injuries to others if you cause an accident.  Medical bills can be very costly, and liability coverage can help ensure you’re not financially responsible for them.

  • Peace of Mind: Knowing you have auto insurance can give you peace of mind when you’re on the road. You can drive knowing that you’re financially protected in case of an accident.

  • Covers More Than Accidents: Comprehensive coverage can protect your car from theft, vandalism, fire, weather events, and even animal collisions.

  • Medical Payments Coverage: This can help pay for medical expenses for you and your passengers, regardless of who is at fault in an accident. This is beneficial if you don’t have health insurance or if your health insurance doesn’t cover all accident-related costs.

  • Uninsured/Underinsured Motorist Coverage: This protects you in case you’re in an accident with a driver who doesn’t have insurance or who doesn’t have enough insurance to cover your damages. This can be especially important since there are many drivers on the road who are uninsured or underinsured.