How to Buy Motor Insurance Online in Kenya

Your first decision is the type of cover you need: Comprehensive or Third Party Only (TPO).

Comprehensive cover protects your vehicle and covers third-party liability. TPO is Kenya's legal minimum — it covers third-party injuries and property damage only.

If your vehicle is relatively new or high-value, comprehensive is typically the better choice.

Different motor types attract different insurance rates. You will choose between:

Private passenger vehicles (personal use cars).

Commercial vehicles (pick-ups, lorries, delivery vans).

Public Service Vehicles / PSV (matatus, taxis, buses).

Choose the category that accurately reflects how your vehicle is used, as this affects your premium and policy validity.

For comprehensive cover, you enter your vehicle's current market value. This is used to calculate your premium — generally a percentage of the vehicle's value.

For TPO, the vehicle value is less critical since the policy does not cover own-vehicle damage. Some plans also require seating capacity or tonnage for commercial and PSV vehicles.

This is where Wheelswise delivers real value. You see multiple plans from different IRA-licensed underwriters side by side — including the annual premium, excess, cover period, and optional add-ons.

Review the plans carefully, paying attention to the excess level and any included benefits like excess protector or emergency roadside assistance.

You will need your vehicle's registration number, chassis number, make, model, and year of manufacture. Wheelswise has an integrated vehicle lookup that can auto-fill most of these details — just enter your registration number and the system retrieves the rest.

If your vehicle is not found in the registry, you can enter the details manually.

Once you have reviewed your policy details, you pay via M-Pesa STK Push — the payment prompt is sent directly to your phone. Enter your M-Pesa PIN to confirm, and upon payment verification, your insurance certificate is generated and available for immediate download from your dashboard.