Comprehensive Cover
Comprehensive Motor Insurance in Kenya
The most complete protection for your vehicle. Own damage, theft, fire, and full third-party liability — all in one policy.
Coverage
What Does Comprehensive Cover Include?
Own Vehicle Damage
Accidents, collisions, and impact damage to your vehicle
Fire & Explosion
Damage caused by fire, explosion, or self-ignition
Theft & Attempted Theft
Theft of or damage from attempted theft of your vehicle
Third-Party Bodily Injury
Injury to other people caused by your vehicle
Third-Party Property Damage
Damage to other people's property caused by your vehicle
Natural Perils
Floods, storms, hail, and other natural disasters
Is It Right for You?
Who Should Choose Comprehensive?
New Vehicle Owners
For vehicles under 5 years old or high-value cars where repair or replacement costs would be significant. Comprehensive cover ensures you are not left out-of-pocket after an accident.
Financed Vehicles
Most lenders and hire-purchase providers in Kenya require comprehensive insurance as a condition of the loan. It protects both you and the financier's interest in the vehicle.
High-Risk Areas
If you operate in areas with elevated theft or accident rates, comprehensive cover provides essential protection. The peace of mind alone is worth the additional premium.
Compare
Comprehensive vs Third Party — Side by Side
| Coverage Feature | Comprehensive | Third Party |
|---|---|---|
| Own vehicle damage (accidents) | ||
| Fire damage to your vehicle | ||
| Theft of your vehicle | ||
| Third-party bodily injury | ||
| Third-party property damage | ||
| Natural disaster damage | ||
| Legal compliance in Kenya |
How It Works
Get Covered in Four Steps
Choose Comprehensive Cover
Select Comprehensive as your cover type and pick your motor category (private, commercial, or PSV).
Compare Plans
View plans from multiple underwriters side by side. Compare premiums, excesses, and included benefits.
Enter Your Details
Provide your vehicle registration for auto-fill, or enter details manually. Add your personal information.
Pay & Get Covered
Pay via M-Pesa STK Push and receive your insurance certificate immediately.
Protect Your Vehicle Today
Compare comprehensive motor insurance plans from Kenya's top underwriters. Get your quote in under 2 minutes.
Get a Quote