Kenyan law requires at least third-party cover to drive on public roads. Comprehensive cover also pays for damage to your own car, subject to the policy terms and excess, and costs more.
Types of cover
- Third-party only covers injury or damage you cause to others. It does not repair your car.
- Third-party, fire and theft adds cover if your car is stolen or burnt.
- Comprehensive also covers accidental damage to your own car, within the policy terms.
What affects your premium
- The value of the car, usually set by a valuation report for comprehensive cover.
- How you use it, such as private, commercial or ride-hailing.
- Your driving record and any claims history.
- Optional extras, such as a courtesy car or political violence cover.
Before you buy
- Confirm that the insurer is licensed by the Insurance Regulatory Authority.
- Read the exclusions and the excess you must pay on a claim.
- Tell the insurer how you really use the car, because undisclosed use can void a claim.
- Get a quote before you agree to buy a car. It can change your real monthly cost.
Common questions
- Is car insurance compulsory in Kenya?
- Yes. You must have at least third-party cover to use a vehicle on a public road.
- Do I need a new policy when I buy a used car?
- Yes. Arrange cover in your own name from the day you take the car. Do not rely on the seller’s policy.
Read next: Car running costs · How to buy a car
This guide is general information, not financial, legal or insurance advice. Rates and rules change, so confirm them with the relevant provider or authority before you commit.