Are you looking for the best car insurance companies in Kenya? This article will help you choose the best cover that protects your vehicle from theft, accidents and natural calamities.
Your car is most probably one of the most essential investments in your life. It’s a treasure you don’t want to lose.
Car Insurance Plans in Kenya
Depending on your needs, you have these 3 options:
Third-party: Call it the most basic insurance plan that covers expenses incurred from the damage made to the other person, their vehicle and/or property. The law requires that you have this cover as a minimum.
Third-party fire and theft: This is a compromised comprehensive insurance plan. One may also can call it an improved third-party insurance cover. Apart from third party costs, it covers your car against fire and theft.
Comprehensive: If you are seeking the highest level of protection for your car, comprehensive motor insurance is your perfect choice. It provides complete coverage for your vehicle, plus several other bonuses in addition to the third-party, fire and theft benefits.
Which Insurance Cover Is Right For You?
If your intention is to cover yourself and your vehicle, a comprehensive car insurance policy is what you need.
If you own a new, high-end vehicle, it is also a good idea to have a comprehensive cover that offers maximum protection for your vehicle.
A third-party cover could be a good choice for old vehicles that are no longer in prime condition.
The two cheaper policies (Third-party and third-party, fire and theft) will cover damage to other people after an accident that was deemed your fault. The burden of taking care of any damage caused to your car remains with you.
If you need any damage to your car covered as well, then you would need a comprehensive insurance cover. It is actually the safest you can be, as it also helps keep you covered when the fault cannot be proven.
Think of a situation where someone hits your car and drives off. Without comprehensive cover, you would have to take care of the necessary repairs. Even worse, you could end up losing everything in case your car is written off.
A comprehensive insurance policy gives you that added level of protection and peace of mind that those expensive repairs are off your shoulder.
Best Car Insurance Companies in Kenya
Here is the list of motor vehicle insurance in Kenya that will give you the best cover, not arranged in any specific order.
Apart from being among the best car insurance companies in Kenya, Allianz Group takes pride in being a worldwide leader in insurance with a presence in more than 70 countries.
Allianz makes it possible for clients to obtain insurance covers completely online, without visiting any office. All you need to do is to select the extent to which you want to be insured.
Quick and efficient, right? After the online processing, the car insurance certificate is then delivered to your address.
Allianz Third Party
If you need a minimum cover for your private car for whatever reason, you can get a third party cover.
This policy makes a lot of sense if you only need to ensure that you abide by the traffic rules.
It’s a great and can be a great option if you know that your car is not facing any serious risks.
Whatever your reasons, this is a cover that protects you against all the liabilities third parties may direct at you.
The third-party theft and fire additionally protects you from loss of your car through theft, and to an accidental fire.
However, intentionally setting your car on fire would leave the entire burden on your pair of shoulders.
The plan compensates for damages to the third party and to your car in case of an accident, it also takes care of fire, theft of the car or any of its accessories.
There are optional covers such as road rescue and courtesy car available, just in case you need them.
The plan, however, does not cover losses as a result of car racing, competitions, Rallies or Trials and carriage of passengers for hire.
Just like many other car insurance companies, Allianz has an issue with young drivers (aged less than 21 years) causing an accident.
In such cases, Allianz would require you to pay Ksh 5, 000 to take care of the damages.
The same applies to an inexperienced driver (with less than one year experience).
Motorcycle insurance is a must-have! It is illegal to ride without an insurance cover.
A motorcycle insurance policy will ensure you have a cover from the risks you could face on the road.
Allianz Kenya offers comprehensive covers for motorcycles owned by both individuals and companies.
Jubilee Car Insurance
Jubilee Insurance a favorite among many insurance clients, also playing in the same league of the trusted best car insurance companies in Kenya.
This is probably due to their flexible and tailor-made insurance products.
If you are interested in Private & Commercial Motor Insurance, whether third party or comprehensive, then Jubilee would be one of the partners to choose from.
The company has a reputation of good claims settlement, free car valuation and inspection and a 24hr towing service for its clients.
A cover against political violence and terrorism is also available. These are two risks that cannot be ignored.
CIC Car Insurance
The Co-operative Insurance Company has over time created customized products for their clients, the most popular one being CIC Lady Auto.
Such tailor-made products have helped the company in maintaining its position in Kenya as a trusted insurance provider.
Among the exceptional benefits you would get at CIC is a personal accident cover for the family and one indoor employee.
CIC also offers trauma counseling for persons involved in an incident, 24hr roadside assistance services and replacement of lost car keys.
CIC Lady Auto
CIC has a product designed just for ladies and their nuclear families.
The policy dubbed Lady Auto covers all the valuables inside the ladies cars in case of an accident or carjacking.
The policy offers a courtesy car for 24 days after the first 3 days of an accident. This ensures that your lifestyle is not interrupted after an accident or theft.
It also covers one indoor employee whilst traveling in the insured motor vehicle.
Trauma Counseling for persons involved in any incident, reimbursement of third party medical expenses and replacement of lost car keys are other Lady Auto benefits.
Forced ATM withdrawals are also covered, plus the much needed 24hr roadside assistance services countrywide.
CIC Motor Commercial Plus
A CIC designed for heavy commercial vehicles to shield owners in case of road accidents or destruction due to riots or theft.
Third-party liabilities are also covered with nil theft excess, riot strike and civil commotion cover.
The policy gives coverage and repair facilitation across and within the COMESA region.
Heritage Car Insurance
Heritage provides all three levels of cover for private vehicles only. Private cars include saloons, station wagons, and the large four-wheel drives.
Private means that the vehicles are only used for social, domestic and pleasure purposes. The cover, therefore, excludes all usage of such vehicles for hire.
Private pickups and trucks, Vans, and company/school buses are also within this cluster. Motorcycles: Used for the insured’ business only.
Other vehicles in this category include tractors, combine harvesters, graders, ambulances, fire tenders, etc.
This is a unique insurance product in the Kenyan market that employs Telematics in the pricing of policies.
A black box is used to capture and process driving data and the data used in determining the premiums.
By analyzing, when, where and how you drive, the client gets personalized pricing for their motor insurance.
Good drivers, therefore, pay less premiums compared to careless drivers.
The device installed in your car records among other things your speed, location, distance traveled and the time of the day or night.
It also captures your driving style which includes your acceleration behaviors, brake application and how you negotiate corners.
Apart from saving up to 15% annually on premiums, claims are processed faster. It also helps and motivates you to improve your driving techniques where necessary.
APA Car Insurance
As the first local insurer, APA has designed products that have helped carve their way into Kenya’s history.
The driver advantage is one of the most notable benefits that make them a unique car insurer in Kenya.
APA makes it possible and easy to add a named driver to your comprehensive motor insurance policy.
By officially adding a second driver to your insurance you benefit from affordability because the driving will be shared, reducing the risk of accidents.
You are at liberty to add your spouse or friend as a named driver, which accords them the same level of cover as yourself while using the car.
Britam Insurance Kenya
Britam is loved by many private car owners in Kenya, probably because of their quick response to accidents.
Britam covers for stolen and damaged vehicles as well as third party costs. It also provides emergency medical cover for victims involved in an accident.
The comprehensive policy comes with 24/7 rescue and a free accident scene management service. This includes free towing within Nairobi, assistance in getting police abstract and filing a claim.
UAP Private Car Insurance
This is one of the oldest insurers in Kenya, also offering car tracking, 24 hour road rescue, and emergency medical expenses after accidents.
The UAP comprehensive policy covers any loss or damage by accidental means, theft, fire, malicious damage to a vehicle.
These may be as result of accidental collision or overturning, fire, external explosion, self-ignition or lightning or burglary, housebreaking or theft.
Malicious acts, loading and unloading incidents and natural misfortunes such as floods and earthquakes are also covered.
Invesco is popularly known for its aggressiveness in the PSV sector in Kenya.
In fact, the company is owned by the Matatu Owners Association, a body that advocates for the needs of PSV owners in Kenya.
Due to its specialization advantage, Invesco has managed to come up with products that meet the needs of all PSV carriers in the country.
The PSV sector is a rather risky venture, and most insurance companies are not willing to venture here.
This leaves Invesco and the other few counterparts with a large number of clients right inside their nets.
Xplico is another upcoming insurance company in the Kenyan market, aggressively growing its branch network countrywide.
The company has managed to attract several clients countrywide due to its readily available branches.
Xplico has numerous agencies and business partners operating in all the major towns in Kenya.
This was actually the first PSV Insurance company in Kenya, now with more than 17 branches countrywide.
Directline provides insurance cover for Public Service Vehicles (PSV), Commercial Motor, Private Vehicles, and Taxis.