Motor Vehicle Insurance in Kenya

Whether you own a personal car, a company fleet, a matatu, a truck, or a boda boda, motor vehicle insurance in Kenya is not just a legal requirement. It is one of the most important financial decisions you can make to protect yourself, your passengers, your vehicle, and your livelihood. At Recolte Insurance Agency, we help individuals and businesses across Kenya access the right motor vehicle insurance cover, at the right price, with the right support when it matters most.

What is Motor Insurance

Motor insurance is a contract between you and us in which we cover financial losses arising from road accidents, theft, fire, or damage to your vehicle, in exchange for a premium payment. In Kenya, motor insurance is governed by the Insurance Act and regulated by the Insurance Regulatory Authority (IRA). By law, every vehicle on Kenyan roads must carry at a minimum a third-party motor insurance policy. Driving without valid insurance is a criminal offence. Beyond the legal obligation, the right motor insurance policy is what stands between a bad day on the road and a devastating financial loss.

Types of Motor Vehicle Insurance in Kenya

1. Third Party Only (TPO)
   • This is the minimum legal requirement in Kenya. Third-party only motor insurance covers you against liability for injury or death to other people and damage to other people’s property caused by your vehicle. It does not cover damage to your own vehicle. TPO is the most affordable option and is widely used by owners of older vehicles
2. Third Party, Fire and Theft (TPFT)
   • This cover includes everything in Third Party Only, plus protection against your vehicle being stolen or damaged by fire. It offers a middle ground for vehicle owners who want more protection than TPO but prefer lower premiums than comprehensive cover
3. Comprehensive Motor Insurance
   • Comprehensive motor insurance provides the widest protection available. It covers:
     • Third-party liability (injury and property damage to others)
     • Fire and theft of your vehicle
     • Accidental damage to your own vehicle
     • Additional benefits such as windscreen cover, personal accident cover, and towing assistance
   • Comprehensive cover is strongly recommended for new vehicles, financed vehicles, company fleets, and commercial vehicles, where downtime is costly

Motor Insurance for Businesses and Contractors

For SMEs, contractors, and suppliers, your vehicle is not just transport. It is an asset that your business depends on. Recolte Insurance Agency provides motor insurance in Kenya and beyond, solutions for:

• Company fleet insurance: Cover multiple vehicles under a single policy for efficiency and cost savings
• Commercial vehicle insurance: Trucks, vans, and pickups used for goods transport require commercial vehicle policies that reflect the additional risk
• Contractor vehicle cover: If your business involves site visits or the movement of equipment and materials, your vehicles carry additional operational risk
• Financed vehicle insurance: If your vehicle is under a loan, comprehensive insurance is typically mandatory. We help you meet this requirement efficiently

Why Most Kenyans are Underinsured on Motor Cover

• Buying TPO without considering the vehicle’s value: If your vehicle is worth KSh 1.5 million and it is written off in an accident, TPO pays nothing towards your loss
• Not disclosing vehicle use accurately: A vehicle used for commercial purposes must be declared as such. Using a personal vehicle policy for business activities can result in a rejected claim
• Letting a policy lapse: Even one day of lapsed cover exposes you to serious financial and legal risk.
• Choosing an unaccredited insurer: Always verify that your insurer is accredited by the IRA
• Ignoring excess clauses: Every policy has an excess, the amount you pay out of pocket before the insurer covers the rest. Understanding this figure helps you budget for potential claims

Benefits of Motor Vehicle Insurance through Recolte Insurance Agency

• Access to multiple insurers: We compare options across multiple IRA-accredited underwriters to find the best cover for your vehicle
• Personalised advice: We take the time to understand your situation before recommending a policy.
• Efficient claims support: If you ever need to make a claim, Recolte is in your corner
• Quick policy issuance: Our team works efficiently to get you covered without unnecessary delays
• Business-focused solutions: For SMEs and contractors, we understand the impact of vehicle downtime on your business

How to Get Motor Insurance through Recolte

1. Contact us with details of your vehicle (make, model, year, registration, and use)
2. Share your driving licence details and any existing insurance history
3. We assess your needs and present suitable cover options from our panel of insurers
4. You select the policy that fits your needs and budget
5. Finally. Premium is paid, and your policy is issued