Motor Commercial Insurance Cover
Drive with confidence, knowing that you are legally protected and financially covered on every Kenyan road.
Motor commercial (hybrid) insurance is designed for vehicles used in both own goods transport and general cartage operations under a single, flexible policy. Instead of maintaining separate covers, this solution allows you to operate across multiple business uses while remaining fully protected and compliant. Cover includes accidental damage, theft, fire, and third-party liability, ensuring your vehicle and operations are safeguarded regardless of how it is deployed. We help you structure the right hybrid cover that aligns with your usage, minimizes risk, and keeps your business running efficiently without unnecessary duplication of costs.
RATES
Choose from any of the providers below
Below is a simplified guide to motor private insurance rates based on current market ranges in Kenya. These estimates vary depending on your vehicle type, value, usage, and selected cover options.
Motor Commercial (Hybrid Cover) Rates
( EP – Excess Protector, PVT – Political Violence & Terrorism )
Vehicle
RATE (Min Prem. 37,500)
Single, Fleet and Zero Milage Vehicles
4.5% Inclusive of EP & PVT. Minimum Premium, KES 50,000. PVT is free up to 5m, Above 5m Charge 0.25% Min KES 2,500
Contact Us
Frequently Asked Questions
What is the difference between comprehensive and third-party insurance?
Comprehensive insurance covers your vehicle as well as third-party damages. Third-party insurance only covers damage or injury caused to others and is the minimum legal requirement in Kenya.
What does "excess" mean on my motor policy?
The excess is the first portion of any own-damage claim that you as the policyholder must contribute before the insurer pays the remainder. For example, if your excess is KES 20,000 and your repair bill is KES 80,000, the insurer pays KES 60,000. You can reduce or eliminate this exposure by adding an Excess Protector to your policy.
Is motor insurance legally required in Kenya?
es — it is a legal requirement under the Insurance (Motor Vehicles Third Party Risks) Act, Cap. 405. No vehicle may be driven on Kenyan roads without at minimum a valid Third Party Only certificate. Driving without valid cover can result in a fine, a prison term of up to two years, or disqualification from holding a driving licence.
What should I do immediately after an accident?
Secure the scene and check for injuries. Report the incident to the nearest police station as soon as possible and obtain a Police Abstract — this is mandatory for processing most motor claims. Notify your insurer or broker within 24–48 hours. Avoid admitting fault at the scene, as this can complicate the claims process.
Can I insure a vehicle that is financed through a bank or SACCO?
Yes — and in most cases the financing institution will require comprehensive cover as a condition of the loan. The policy can be noted in favour of the financier while still protecting you as the registered driver and owner.
Can I upgrade from Third Party to Comprehensive mid-year?
Yes, subject to a fresh vehicle inspection and valuation by the insurer. The additional premium for the remaining policy period will be calculated on a pro-rata basis. We can facilitate this upgrade and advise on the best time to make the switch.
Can I transfer my insurance when I sell my car?
No. Motor insurance is tied to both the vehicle and the owner. A new owner must take out a new policy.
Does insurance cover theft of my vehicle?
Yes, but only under comprehensive cover. Third-party insurance does not cover theft or damage to your own vehicle.
How can I reduce my premium?
You can lower premiums by installing a tracker, maintaining a clean driving record, choosing a higher excess, and limiting high-risk drivers on your policy.