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In Kenya, there are primarily three types of car insurance covers: Third Party Only (TPO), which covers liabilities to third parties; Third Party, Fire, and Theft (TPFT), which includes TPO plus protection against fire and theft of your vehicle; and Comprehensive Cover, which offers full protection, including accidental damages to your car, theft, and third-party liabilities.
Yes, it's a legal requirement in Kenya to have at least a Third Party Only (TPO) insurance cover for your vehicle before it can be allowed on the road. This ensures that damages to third parties are covered in the event of an accident.
Several factors determine your car insurance premium in Kenya, including the type of cover you choose (TPO, TPFT, Comprehensive), the value of your car, its usage (private or commercial) and any add ons you want included with the policy.
mTek is always looking to increase the number of underwriters they work with to ensure they have the best choices available for consumers and businesses. Currently they work with:
Yes. The value of the car is a primary consideration when it comes to the cost of your car insurance premium. Usually the underwriter or broker will ask you to pay for one months policy upfront at your last valuation while they wait for the updated valuation to be provided. Valuations can take place at the valuers office or at a location of your choosing.
No. Most underwriters in Kenya will have an age limit after which they stop offering comprehensive insurance on vehicles, unless you are renewing an existing policy with the underwriter. In general, the cut-off is between 12 - 15 years.