- Author: Raymond
- Category: Motorcycle Insurance
Common Types of Motorcycle Insurance in Kenya
Motorcycle insurance in Kenya isn’t just paperwork; it’s your lifeline when things go sideways. Many riders learn that the hard way after an accident — like Kevin’s case where he was riding a private motorcycle but carried a passenger. So, let’s break it all down: the types, the cover differences, and what happens when a private bike rider crosses the line into “boda boda territory.”
Motorcycle insurance in Kenya generally falls into three major categories, regulated under the Insurance Act Cap 487. Here’s the lowdown:
1. Third-Party Only (TPO)
This is the minimum legal requirement under Kenyan law.
It covers:
- Bodily injury or death to third parties (like pedestrians or other motorists).
- Damage to third-party property (e.g., another person’s vehicle or fence).
👉 It doesn’t cover your own bike. If your motorcycle gets damaged, you pay out of pocket.
2. Third-Party, Fire & Theft (TPFT)
This is a step up from TPO. It covers:
- All TPO benefits, plus:
- Fire damage to your motorcycle.
- Theft of your motorcycle.
3. Comprehensive Cover
This one’s the big boss — the “I sleep better at night” kind of policy.
It covers:
- All Third-Party risks.
- Damage to your own motorcycle after an accident.
- Fire, theft, vandalism.
- Optional add-ons like personal accident cover, excess protector, political violence, or rider’s gear protection.
🚨 Kevin’s Scenario — Private Comprehensive but Passenger Onboard
Kevin’s motorcycle has a private comprehensive cover, meaning it’s insured for personal use only, not for carrying passengers for hire or reward.
When Kevin decides to carry a pillion passenger and hits a matatu:
- The passenger becomes a third party, yes — but under policy exclusion, private motorcycles are not authorized to carry passengers (unless specified).
- Because he violated the policy terms (misuse of the insured vehicle), the insurance company has the right to reject the claim.
- That means:
- The injured passenger can sue Kevin personally.
- The insurer may decline to repair his bike or pay the third-party injuries since he was in breach of policy use.
So — in this case, Kevin’s insurer will most likely not pay.
If he had a commercial or boda boda insurance cover, it would have been a valid claim.
👉 Each of these uses requires its own insurance classification.
Using the wrong one = claim denial.
🧭 Insurance Wisdom
Insurance isn’t just about paying premiums — it’s about honesty in usage. Kevin’s case is a classic example of policy misuse leading to non-payment.
Always disclose how you intend to use your motorcycle to your insurer or agent — like Imana Insurance Agency Kenya Ltd, who’ll help you pick the right cover (Private, Commercial, or PSV/Boda Boda) from trusted partners.
🌐Imana Insurance Agency Kenya Ltd
📍 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi
📞 Call/WhatsApp: +254 796 209 402 / +254 745 218 460 / +254 113 806 810
💻 Visit: www.imana.co.ke | www.mykava.co.ke
Motorcycle insurance Kenya, boda boda insurance, private motorcycle insurance Kenya, PSV motorcycle cover, third-party motorcycle insurance, comprehensive motorcycle insurance Kenya, insurance claim denied, Imana Insurance Agency Kenya, compare insurance quotes Kenya, buy motor insurance online Kenya
#MotorcycleInsuranceKenya #BodaBodaCover #ComprehensiveInsurance #ThirdPartyInsurance #ImanaInsurance #MyKavaInsurance #CompareBuySave #InsuranceClaimsKenya #PrivateMotorcycleCover #PSVInsuranceKenya #KenyanRiders #InsuranceMadeEasy
