Private Car Insurance

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Estimating car insurance costs

How much coverage do you need?

How premiums are calculated

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  • Insurance
  • Car Insurance

Estimating car insurance costs

Why do you need car insurance?

  • Requirement for cars to be used on the road
  • Easy compensation for losses caused by your car to other people
  • Get vehicle repair services incase of an accdent
  • Get compensation incase of fire damage to your vehicle
  • Get compensation incase of vehicle theft.

How to calculate how much car insurance coverage you need

Vehicle insurance cost depends on the type of vehicle insurance cover purchased by the vehicle owner.

There are three main types of private motor insurance policies in Kenya. They include:

  • Third Party Only Insurance
  • Third Party Fire and Theft Insurance
  • Comprehensive Insurance

Third Party Only insurance offers compensation against claims arrising from damages caused by your car to other people’s property or lives; these are refered to as third party liabilities. Third party fire and theft insurers against third partyliabilities and losses to the vehicle owner caused by fire or theft. Comprehensive insurance offer compenstation for third party liabilities and lossesto the vehicle brought about by theft,fire or accidents.

Comprehensinve insurance is often only sold to vehicles under 15 years of age since year of manufacture. 

Coverage levels and insurance pricing

Most insurance companies focus on Third party Only insurance and comprehensive insurance.Third party only private vehicle insurance is calculated as a fixed annual amount irrespective of vehicle value or age. Comprehensive insurance is however calculated as a percentage of vehicle value and may be dependent on vehicle make and age.

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A better understanding of private vehicle insurance

There are additional insurance and security measures often recommended for comprehensive private vehicle insurance. This extensions are optional but offer great value in the event of related loss. They include:

Car with a shield

Excess Protector

This extension insurers against payment of excess in the event of an accident. Excess refers to the amount paid by the insured in the event of a claim where the insurance company pays for remainder of the claim amount. You can also pay extra for theft claim excess.
Picture of Political Violence and terrorism

Political Violence and Terrorism Extension

This extension insurers the vehicle owner against losses arrising from vehicle damage as a result of political violence or terrorism.
Picture of a Courtesy Car

Courtesy Car Extension

This extension provides a vehicle for use by the insured while his/her vehicle is being repaired by the insurance company following and accident claim.
Picture of Certified Vehicle Tracker

Certified Vehicle Tracking

Certified vehicle tracking helps the insured save on excess charges as a result of vehicle theft. Private vehicle theft without an anti theft device attracts an excess charge of 20% of the vehicle value while theft with a certified vehicle tracking unit attracts an excess charge of 2.5%.

WATCH YOUR INSURANCE ADD UP.

Save money through getting the most ideal insurance cover for your car. We offer a variety of insurance covers from reputable insurance companies to help us meet your most ideal insurance match.   

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