Third Party Cover
Third Party Only (TPO) Insurance in Kenya
Kenya's legal minimum motor insurance. Affordable cover for third-party bodily injury and property damage.
Understanding TPO
What is Third Party Insurance?
Third Party Only (TPO) insurance is the minimum level of motor insurance required by law in Kenya. It covers your legal liability to other people — specifically, bodily injuries and property damage you cause to third parties while operating your vehicle.
TPO does not cover any damage to your own vehicle. If your car is stolen, damaged in an accident, or destroyed by fire, you bear the full financial cost yourself. For this reason, TPO is best suited for older, lower-value vehicles where the cost of comprehensive cover may not be economically justified.
Included
What TPO Covers
Third-Party Bodily Injury
Covers medical expenses and compensation for injuries you cause to other people in an accident.
Third-Party Property Damage
Covers damage you cause to other people's property — vehicles, buildings, infrastructure, and other assets.
Not Included
What TPO Does NOT Cover
Own Vehicle Damage
If your car is damaged in an accident — whether you are at fault or not — you pay for repairs yourself.
Theft of Your Vehicle
If your vehicle is stolen, TPO provides no compensation. You bear the full replacement cost.
Fire Damage to Your Vehicle
If your vehicle is damaged by fire or explosion, TPO does not cover the repair or replacement cost.
Is TPO Right for You?
When Third Party Insurance Makes Sense
Older Vehicles
If your vehicle is 8+ years old with a lower market value, the annual cost of comprehensive cover may approach or exceed the vehicle's value. TPO keeps you legally compliant at a fraction of the cost.
Budget-Conscious Motorists
If you are on a tight budget and need to meet Kenya's legal insurance requirement at the lowest possible cost, TPO is the most affordable option available.
Low-Value Vehicles
For vehicles where the market value is low enough that you could reasonably absorb the cost of repairs or replacement, TPO provides the legal minimum cover without paying for protection you may not need.
Legal Requirement in Kenya
In Kenya, Section 4 of the Insurance (Motor Vehicle Third Party Risks) Act (Cap 405) makes it a legal requirement to have at minimum Third Party bodily injury and property damage cover before operating a motor vehicle on public roads. Driving without valid insurance is a criminal offence that can result in fines, vehicle impoundment, or imprisonment.
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Meet Kenya's legal insurance requirement quickly and affordably. Compare TPO plans and pay via M-Pesa.
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