Discover the Best Auto Insurance Policies in Kenya.

Looking for third-party or fully comprehensive? Compare accurate and unbiased insurance offers from Kenya's leading underwriters and apply online today. Click Get Started to download the mTek app and get covered today.

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Welcome to Money254 - your simple way to compare financial products online.

At Money254, we're dedicated to helping you find the right loans and insurance products for your business or personal needs. We have partnered with mTek to make it easy to compare car, health and life insurance policies from 38 underwriters. Download the mTek app to compare and apply today.

We've helped over 7,500 people find the right financial products

Money254 is your partner to help you make the right money decisions. Compare and apply for loans, savings and insurance products from leading providers online.

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"It was excellent. I am delighted that you are true partners."

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"Money254 Relationship Manager Madam Wangui was so wonderful from the time I inquired about loans. She did follow up and ensured I received the loan. Above all, she gave me the assurance and confidence that the partner was a genuine loan agency cause at first I was in doubts. I can't ask for more than what she did."

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How it works

We help you find the right insurance product in under five minutes.


Download the mTek App

Download the mTek app today and complete the sign-up policy to compare a wider range of insurance policies from 38 underwriters.


Choose a Policy that works for you

Compare policies on the details that matter to you across third-party and fully comprehensive auto insurance.


Pay for the Policy directly from the App

Found a policy? Choose a payment plan and pay directly in App to activate your policy. Still not sure on the best option? Reach out to support in App to help answer any questions.

Why we have partnered with mTek

mTek is a leading insurance Broker regulated by the Insurance Regulatory Authority of Kenya. They've made it easy to instantly compare and apply for Auto Insurance policies from over 38 different underwriters. Download the app today and get insured quickly.

Get the mTek app for Auto insurance you can trust in minutes.

Compare quotes and apply for car insurance policies across 38 leading underwriters.

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Top Insurance Tips

Understand Your Needs

Before diving into any insurance policy, it's crucial to assess and understand your unique needs. Whether it's for health, travel, car, or life, choosing a plan tailored to your situation ensures you're not overpaying for unnecessary coverage or under-protected when the unexpected happens.

Regularly Review Your Policy

Insurance isn't a "set it and forget it" product. As life changes—like buying a new car, traveling to new destinations, or expanding your family—it's wise to regularly review and adjust your policies to ensure they align with your current circumstances.

Know the Details

Every insurance policy comes with exclusions, limits, and conditions. It's essential to be familiar with these to avoid unpleasant surprises during a claim. Always read the fine print, and don't hesitate to ask questions to clarify any uncertainties.

Frequently Asked Questions about Car Insurance

Car insurance can be hard to understand - let us help clarify things.

What types of car insurance are available in Kenya?

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.

Is car insurance mandatory in Kenya?

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.

How is the car insurance premium determined?

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.

Who does mTek partner with for car insurance?

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:

  • Occidental Insurance Company Limited
  • Madison Insurance Company Kenya Limited
  • Kenya Orient Insurance Limited
  • Britam General Insurance Company (K) Limited
  • Fidelity Shield Insurance Company Limited
  • First Assurance Company Limited
  • GA Insurance Limited
  • ICEA Lion General Insurance Company Limited
  • Mayfair Insurance Company Limited
  • MUA Insurance Limited
  • Sanlam General Insurance Company Limited
  • The Jubilee Insurance Company of Kenya Limited
  • The Monarch Insurance Company Limited
  • Trident Insurance Company Limited

How do I activate my car insurance policy?

  • Dial *352# from your mobile phone
  • Choose option 1 Activate Certificate
  • You will be asked whether the vehicle is insured by you. Reply with a Yes to continue.
  • Enter the certificate number
  • Follow the prompts to confirm if your insurance is active or not.

Does my car need to be valued for Car Insurance?

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.

Can all cars qualify for comprehensive insurance?

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.

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