Here is a list of the best Third party Insurance cover in Kenya:
Madison insurance
Covers legal liability for damages including the related costs and expenses for:
- Death or bodily injury to any person
- Damage to third party property
Extra Benefits
- 24/7 Roadside Assistance: We’re here for you anytime, anywhere, with our round-the-clock roadside assistance to handle emergencies.
- Excess Protector: Minimize out-of-pocket expenses by protecting your excess in the event of a claim.
- Political Violence and Terrorism Coverage: Stay protected against unforeseen events related to political violence or terrorism.
- Loss of Use: If your vehicle is under repair after an accident, we’ll provide compensation for alternative transportation expenses.
CIC insurance
Lipa mdogo mdogo
CIC Easy Bima is a monthly motor insurance cover from CIC General Insurance Company. The cover enables you to pay for your motor vehicle insurance on a monthly basis, easing your financial burden.
Why Easy Bima
Our motor product has been digitally transformed to offer value to our customers as follows.
- Customer experience: End-to-end purchase process including claim notification.
- Affordable: Competitive cover pricing
- Flexibility: Monthly premium payment up to 12 instalments
- Convenience: Self-service from the comfort of your home or office
Why Easy Bima?
- Flexible monthly payment plans (up to 12 months).
- Accessible online 24/7 for quotes and purchases.
- Ability to buy through preferred agents/brokers.
- Easy policy management through an online account.
- Payment by MPESA with upcoming additional platforms.
- Free Valuation at inception.
What Is Covered?
- Accidental Damage
- Malicious Damage
- Theft
- Fire
- Third-Party Liabilities
- Riot Strike and Civil Commotion
- Floods
- Legal liabilities to third parties arising from loss or damage to property as well as third party injuries or death.
Directline Insurance
Third Party Only (TPO)
This is the basic, mandatory cover you as a motorist must have. It provides cover for third parties in case of bodily injury or damage to their property. Under TPO, we compensate the policy holder against legal liabilities incurred as a result of the use of the motor vehicle, such as, Third Party Injuries, Third Party Property Damage & Legal Representation. TPO applies to the following categories of vehicles.
- PSV Matatu
PSV Matatu cover includes vehicles used in public transport with a seating capacity of 8-36. This cover can be arranged on monthly or annual basis.
- PSV Bus
PSV bus is a vehicle used in public transport and has a seating capacity of 37-105.Buses under Third Party Only (TPO) are this cover can be arranged on monthly to annual basis.
- Taxi
Taxi are vehicles with seating capacity of 2-7 that are engaged in a public transport business. Under this cover, policies can be arranged on monthly or annual basis for taxi owners.
- Commercial Motor
Commercial motor include both own goods and general cartage vehicles used for carriage of goods in connection to insured’s business or for hire and reward. Policies can be arranged on monthly or annual basis.
- Private Motor – BimaTap
Private motor are vehicles used for social, domestic and pleasure purposes or in connection to insured’s business. Policies can be purchased on a monthly basis via our BimaTap product or on an annual basis.
Requirements
- Copy of the Logbook
- Copy of the proposer’s PIN Certificate
- Copy of National ID card of the insured
Payment mode
- Banker’s Cheque
- Bank funds transfer
- Mpesa Paybill 509800
Old Mutual Insurance
Third-party Fire and Theft – This package shields you against all third party risks including death, bodily injuries, and/or property damage Losses and/or damage to your vehicle caused by theft and fire are also covered under this package
Third-party Only (TPO) – This cover only protects you against third party losses including death, bodily injuries and/or property damage
How does it work?
This insurance package shields vehicles against loss or damage resulting from accidents, accidental fires and theft. Third-party liabilities such as death, bodily injuries, and/or property damage are also covered under this product.
Below are some of the benefits you can enjoy on the cover:
- Excess Protector – This is an optional extension/benefit that can be added to the basic comprehensive cover. It removes the excess amount the insured client has to pay when he/she makes a claim on the policy. ‘Excess’ is the insured’s first loss that they shoulder.
- Forced ATM withdrawal
- Loss of a spare wheel
- AA membership
- Political Violence and Terrorism
- Courtesy Car
- Windscreen
- Entertainment unit
Britam
- Protects you from damages and losses caused to a third-party in case of an accident.
- Covers liability arising out of damage to third-party persons and injuries caused by the insured vehicle.
Cooperative Bank
Enrollment Requirements
The enrollment process is very easy. All you need are the following documents:
- Logbook
- Driving License
- Insured ID
- Pin Certificate
- Premium
- Proposal Form
- Copy of logbook
- ID & KRA pin
- Premium
Eligibility
Any person over 18 years and with a valid driving license.
Benefits
Possible extended benefits such as:
- Tracking devices
- Occupational group personal accident for the driver and loader
- No blame no excess
- Carriers liability
- Loss of use cover
- Loss of personal effects
- Replacement of damaged and or lost key
- Forced ATM withdrawal limit
- Accommodation after an accident
- Daily hospitalization allowance
- Courtesy car
- Political violence and terrorism risks
- internal risk- vehicles in garage and Road risk as vehicles with KG plates
Pioneer Insurance
What is offered
Motor Vehicle Insurance is a basic and compulsory coverage mandated by law
It has the following categories:
• Third Party Only
• Third Party, Fire and Theft
• Comprehensive Motor Insurance
Benefits at Glance
Depending on the level of cover chosen benefits include:
- Cover against theft
- Damage by attempted theft
- Cover against fire damage
- Towing Charges
- Riot and Strikes
- Personal Accident Cover
Takaful Insurance
What Cover do I have?
- Death of or bodily injury to any person including all passengers in the vehicles except you, your spouse, your children or the driver.
- Property damage except those owned by you or the driver at the time of accident or property that has been entrusted to you or is in your custody or control.
How much must I pay if I have a claim?
- Third Party Property Damage: Kshs 7,500/-
- Young drivers below 21 years: Ksh.5,000 Additional
- Drivers with less than 1 year driving experience: Kshs 5,000 Additional
How do I make a claim?
You should report to us immediately. We will ask you for the following documents:
- Completed Claim Form
- Copy of the log book
- Police Abstract Report
- Motor Vehicle Inspection report (for third-party claims)
- Copy of the Driver’s Driving licence
- Notice of intention to prosecute(if any)
Can I cancel the policy ?
You should report to us immediately.
You may cancel the policy at any time by telling us in writing via email to talktous@takafulafrica.co.ke. We may cancel the policy by giving you seven days’ written notice to your last known address. We will charge you on a pro rata basis for the time we have been on cover plus an administration fee of Ksh.1,000 and pay any refund due to you. There will be no refund if we have paid a claim or one is outstanding at the time you cancel your policy.
Standard Chartered Bank
Key Features
| Insurance by item: | |
| Authorised repair / medical / towing charges / windscreen / vehicle entertinment system / vehicle aoccupant emergency medical expense | |
| Forced ATM withdrawal after hijack up to KES 20,000 | |
| Alternative accomodation after an accident more than 30km from residence up to KES 10,000 | |
| Excess amounts: | |
| Accidental Own damage and Partial Theft Excess – 2.5% of sum insured, minimum KES 30,000, maximum KES 100,000 | |
| Theft (with anti theft device) – 10% of value minimum KES 20,000 | |
| Theft (without anti-theft device) – 20% of value, minimum KeS 20,000 | |
| Theft (with tracking device or fleet management system) – 2.5% of value, minimum KES 20,000 | |
| Third Party Property Excess-Ksh 7,500 | |
| Young and/or Novice Driver-Additional Excess of Ksh 5,000 | |
| Third Party Injury Excess-Nil | |
| Loss of Use- Time Excess of 3 days | |
| Limits of liability: | |
| Description | Limit |
| Third-party persons | Unlimited |
| Third-party property damage | Min KES 3 million and Max KES 20 million |
| Passenger liability | Min KES 3 million per person and Max KES 100 million per event |
| Geographical limit | East Africa (excluding third-party liabilities outside Kenya) |
| Personal injury cover(Death Limit for Driver) | KES 500,000 |
| Loss of personal effects | KES 20,000 (excluding mobile phone and cash) |
How does one file a claim?
Visit your nearest Sanlam/Standard Chartered branch with the following documents
1. Police Abstract
2. Copy of driver’s licence
3. Executed Claim Form to be provided from any of our Standard Chartered branches/Sanlam Offices
Which is a Motor Comprehensive Cover?
It covers:
• Damage to insured vehicle.
• Third party bodily or property liability.
• Passenger liability
Family Bank
Third Party Only (TPO)
This is the minimum cover that can be offered and coverage includes:
- Death and/or bodily injury to any persons other than employees of client and members of his own family.
- Damage to Third Party property arising out of or caused by the use of client’s motor vehicle
Third Party, Fire and Theft (TPFT)
This includes third party only. In addition, there is coverage for damage to client’s motor vehicle arising out of or caused by fire, external explosion, self-ignition, lightning, burglary or theft.
Geminia Insurance
Third-Party:
This type of policy covers third-party bodily injury or death and property damage arising out of the use of the motor vehicle.
Third-party Fire & Theft Cover:
In addition to the third-party cover indicated above, the policy extends to cover the vehicle from damage arising out of a fire and theft.
What are the additional benefits I can purchase under motor insurance?
- Own damage excess protector
- Courtesy car
- Road rescue membership
- Political violence and terrorism cover
- Life rider cover
What is the Maximum age for a vehicle to be Insured?
We insure vehicles up to 15 years from the year of manufacture. Any vehicle above 15 years will be required to undergo mechanical inspection before consideration for insurance.
Mayfair Insurance
- Third Party Only
This covers liability for third party property damage, personal injuries or death. For any vehicle, this is the minimum cover required by the Motor Insurance Act.
General Exceptions:
- Loss of Use
- Depreciation, Wear & Tear
- Mechanical or Electrical Breakdown Failures & Breakages
- Damage by Frost
- Damage toTyresby Application of Brakes, Road Punctures, Cuts or Bursts
- Cover Excluded from The Comprehensive Cover
- Personal Accident Benefits
- Medical Expenses
- Rugs, Clothes and Personal Effects
- Third Party, Fire and Theft cover
It has features of Comprehensive cover but excludes damage arising from an accident. It covers third party risks and in addition to that it also covers loss or damage by fire, external explosion, self-ignition or lighting or burglary or theft.
The policy may be extended to include the above extra covers under comprehensive cover.
- Motor Cycle – image: motor-cycle.jpg (folder: products & images with overlay > Product main)
This covers liability for third party property damage, personal injuries or death.The range is same as for private car policies i.e. Third Party, Third Party Fire & Theft and Comprehensive.
General Exceptions:
- Loss of Use
- Depreciation, Wear & Tear
- Mechanical or Electrical Breakdown Failures & Breakages
- Damage By Frost
- Accidents outside of the geographical area covered by the policy
- Damage caused by flood, typhoon hurricane volcanic eruption earthquake or other convulsion of nature invasion the act of foreign enemy hostilities or warlike operations
Own Damage Section
The policy indemnifies the insured against loss or damage to any motorcycle, including accessories and spare parts while attached on motor cycle. No cover while spares and accessories detached from motor cycle.
No cover for theft of accessories or spare parts unless the cycle is stolen.
Equity Bank
Bima ya Gari
Get insurance protection for your private personal motor vehicle against accidental loss or damage, including the spare parts and standard accessories, as well as protection against legal liability to third parties. This cover is for private vehicles for personal use, including use for your own business.
How To get started with this product
Note: Get optional extras at an additional premium, including tracking devices, rescue, courtesy car, political violence & terrorism and excess protector.
Get started
- Benefits
| Benefits for this cover | ||
| 1. | Windscreen: | KSh 50,000 free cover |
| 2. | Radio Cassette | KSh 30,000 free cover |
| 3. | Capping of excess – OD & Partial theft | 2.5% of value. Min of KSh 15,000; max of Ksh 100,000 |
| 4. | Sum insured | Agreed value basis |
| 5. | Free valuation | At inception and renewal |
Heritage Insurance
What types of vehicles are covered?
Covers are available for the following categories of vehicles;
- Private Cars:These will include Saloons, Station wagons, Estates, and the large Four Wheel Drives (4X4). The key aspect of these vehicles is that they must be used for social, domestic and pleasure purposes only.
- Commercial vehicles:These will range from small half ton pick ups to the large monster trucks on the roads. They will also include vans and company/school buses. The key aspect here is that the vehicles must only be used for the insured business only and will exclude all usage for hire or reward e.g. taxis, matatus and any general carriage of goods for reward. Carriage of passengers is usually excluded in this class but can be bought back at a modest fee.
- Motor Cycles: Used for the insured business only
- Other vehicles: These will include agricultural type vehicles of tractors, combine harvesters, construction vehicles of graders and shovels, to emergency response vehicles of ambulances, fire tenders etc.
Types of motor cover
For each category of vehicle, three types of covers can be purchased:
- Third Party Only (TPO): This is the basic and minimum cover available. It provides for liability to third parties only in respect of bodily injury and damage to third party property. It is the mandatory cover that a motorist should have.
- Third Party Fire and Theft (TPF&T): In addition to the TPO cover above, this cover extends cover the insured’s vehicle against the risks of fire and theft, including partial theft.
- Comprehensive: This is a superior cover to all the others as in addition to TPF&T, it extends to cover any other accidental damage to the vehicles including collision, overturning, effects of floods, Earthquakes etc.
What is required to get a motor cover?
- Completed and signed proposal form by the proposer.
- Copy of the logbook or importation documents (if the risk/vehicle is newly acquired/registered locally). Where a logbook has not been processed, we shall issue cover for up to 3 (three) months only.
- Copy of proposer’s national identification card. For non-Kenyans, a copy of a passport or Alien ID card is acceptable.
- The proposer/insured must be the registered owner of the motor vehicle.
- Copy of KRA PIN certificate for both individual and corporate customers.
- Corporate Entities: Certificate of incorporation and CR12 for companies. For non-incorporated companies, a copy of a legal document on registration of entity.
What are document requirements for launching a claim?
- Duly completed and signed claim form
- Police Abstract
- Copy of driver’s driving licence
- Copy of the driver’s KRA PIN
- Copy of your ID
- Copy of your KRA PIN or certificate of incorporation
- Copy of the Logbook
KCB Bank
Third Party Only
This is the minimum cover that can be offered and coverage includes:
Death and/or bodily injury to any persons other than employees of client and members of his own family
Damage to Third Party property arising out of or caused by the use of client’s motor vehicle
Third Party, Fire and Theft
Includes A above. In addition, there is coverage for damage to client’s motor vehicle arising out of or caused by fire, external explosion, self-ignition, lightning, burglary or theft.
