Can I drive a car without car insurance in Kenya?
No you cannot. Car insurance is a legal requirement mandated by Chapter 405 of the Kenya Traffic Act. This act requires that any car being driven on Kenyan roads have a minimum of third party insurance cover.
How much does car insurance cost?
The cost of car insurance in Kenya depends on various factors such as type of car (private, commercial PSV), market value and age of the car.
What types of car insurance covers are available in Kenya?
There are primarily two main car insurance covers namely comprehensive car insurance and third party car insurance. Third party car insurance only protects you against the damages or injuries to the third party caused by the insured whereas, comprehensive car insurance policy insures for damages caused to your car as well as damages caused to other parties and their property.
What does car insurance cover?
Your car insurance coverage depends on the policy you purchase, but a typical car insurance policy includes;
- Bodily injury and property damage liability coverage for damage caused to other people or property.
- Personal injury protection to cover medical expenses and other damages.
- Collision and comprehensive coverage for damage done to your vehicle in collisions and in non-collisions (i.e. fire, vandalism and theft).
- Uninsured motorist coverage protects in the event of an accident where the driver at fault does not have insurance.
What is not covered by car Insurance?
Generally, car insurance does not cover the following;
Regular wear and tear of your car, your personal belongings, driving without mandatory documents such as your driving license, violation of traffic rules, modification of the car among other exclusions. Another important point to note is that injury to the driver is not covered by car insurance hence the need to get a personal accident cover.
It is important to read your policy document carefully at policy inception and seek clarity on your area of concerns.
For any enquiries about car insurance, feel free to call us on 0703099120.
