- Author: Raymond
- Category: Car Insurance
Insurance Myth Busted: “Comprehensive Insurance Covers Everything – Including the Driver and All Items in the Car”
Let’s talk about Mwaura. He bought comprehensive car insurance for his sleek silver Mazda CX-5 through Imana Insurance Agency Kenya Ltd, thinking, “Niko sorted! Everything is covered – me, my laptop, baby stroller, phone, even the sunglasses in the dashboard!”
Fast forward to a rainy Thursday in Nairobi. Mwaura was driving home from work when he skidded and hit a road sign. He wasn’t seriously injured, thank God – just a few bruises. But inside the car? Chaos. His laptop got cracked, his phone was soaked, and groceries rolled all over the place.
Mwaura called Imana Insurance, expecting everything to be sorted with a snap of a finger.
But here’s the twist: Comprehensive insurance does NOT automatically cover personal belongings or injuries to the driver.
That’s the myth. Yes, comprehensive insurance covers damage to your vehicle, fire, theft, and third-party liability — but it doesn’t cover:
- The driver’s own medical expenses (unless there's a Personal Accident Add-On),
- Personal items in the car (unless you have an All Risk cover),
- Or even things like aftermarket rims and fancy sound systems, unless declared.
Imana’s team kindly walked Mwaura through the claim and helped him file for the vehicle repairs. They also educated him about Add-ons like:
- All Risk Insurance for his personal gadgets,
- Personal Accident Cover for the driver,
- And Passenger Legal Liability.
Now he knows better — and he’s all set with the right protection.
📍 Moral of the story? Don’t assume. Ask. Customize. Be covered right.
📲 Need help choosing the right car insurance in Kenya?
Talk to Imana Insurance Agency Kenya Ltd – your trusted insurance partner.
🌐 Website: www.imana.co.ke | www.mykava.co.ke
📞 WhatsApp: +254796209402
🏢 Visit us: 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi.
💡 Insurance is only good when it protects you where it matters. Don't let myths cost you your peace of mind.
