- Author: Raymond
- Category: Car Insurance
Car Insurance in Kenya 2025: Comprehensive vs Third Party, Online Buying & Common Myths Explained
1️⃣ Comprehensive vs. Third Party Only in Kenya - Which One is Right for Your Car?
If you drive in Kenya, car insurance isn’t optional — it’s the law. But even though everyone must have it, very few drivers truly understand the difference between Comprehensive and Third Party Only cover. So let’s clear the fog once and for all.
What is Third Party Only?
This is the minimum legal requirement in Kenya. It protects other people — not you or your car. If you cause an accident, your insurer pays for the damage or injury you caused to others, including pedestrians or other vehicles.
In simple terms: Third Party = you protect others.
It’s the cheaper option, with annual premiums starting from about KSh 4,560 for private cars and slightly higher for commercial or PSV vehicles. But here’s the catch — if your own car gets damaged or stolen, you’re on your own. The insurer doesn’t pay for your loss.
What is Comprehensive Cover?
This is the big brother of car insurance — it covers almost everything. You’re protected against theft, fire, accidents, vandalism, political violence & terrorism, natural disasters, and even damage to third parties.
Comprehensive = protection for everyone, including you (add personal accident cover and you're good to go).
It’s more expensive, but it’s worth it if you value peace of mind. Premiums start from around 3% to 7% of your car’s value, depending on age, make, model and risk.
Key Add-ons You Can Include
You can enhance your comprehensive policy with:
- Excess Protector – so you don’t pay the first portion after an accident.
- Courtesy Car – a temporary replacement while yours is under repair.
- Political Violence & Terrorism Cover – for unrest-related damages.
- Personal Accident Cover – to protect the driver and passengers.
So, Which One Is Right for You?
If your car is older, low-value, or used occasionally, Third Party Only might make sense.
But if it’s your daily driver, financed car, or high-value vehicle, go Comprehensive.
The best part? You can compare and buy online with Imana Insurance Kenya Ltd or MyKava Insurance Shop — instantly, affordably, and with your certificate delivered digitally in minutes.
🌐 www.imana.co.ke | www.mykava.co.ke
📞 0113 619 635 | 0745 218 460 | 0113 806 810 | 0796209402
#CarInsuranceKenya #ComprehensiveVsThirdParty #ImanaInsurance #MyKavaInsurance #MotorInsurance #CompareBuySave #KenyaDrivers
2️⃣ The Ultimate Guide to Buying Car Insurance Online in Kenya
Simple, Fast, Legit — Here’s How It Works.
Gone are the days of queuing at insurance offices or calling 10 agents for quotes. Today, you can compare, choose, and buy your car insurance online — right from your phone or laptop.
✅ Step 1: Know What Cover You Want
Choose between Comprehensive and Third Party Only. If you’re not sure, Imana Insurance Kenya can help you weigh the cost versus value for your car type.
✅ Step 2: Compare Quotes
Head over to www.mykava.co.ke or www.imana.co.ke
You’ll get instant quotes from multiple top insurers in Kenya — like Jubilee, APA, GA, CIC, ICEA Lion, and others.
This helps you see the price differences, the benefits, and the claim turnaround speed before deciding who deserves your business.
✅ Step 3: Prepare Your Documents
To buy online, you’ll need:
- Your ID and KRA PIN
- The logbook copy (or NTSA search)
- Previous insurance certificate (for renewals) - to confirm renewal date
- A valuation report if it’s comprehensive - Imana and Myasset can do it for you
All of these can be uploaded or sent via WhatsApp — fast and paperless.
✅ Step 4: Make Payment Safely
Payments can be done via M-Pesa Paybill or bank transfer.
Once payment is made, your digital insurance certificate is sent via email or WhatsApp within minutes.
✅ Step 5: Keep Your Certificate Handy
You’ll need it for police checks, renewals, and claims. Store a copy on your phone and a printed one in your glove box.
Buying insurance online through MyKava means no brokers, no delays, and no inflated prices — just genuine cover from trusted insurers, verified by Imana Insurance Kenya Ltd.
#BuyCarInsuranceOnline #MotorInsuranceKenya #MyKavaInsurance #ImanaInsurance #CompareBuySave #KenyaDrivers #DigitalInsurance
3️⃣ Debunking Common Myths About Car Insurance in Kenya
It’s Time to Clear the Confusion.
Let’s be honest — Kenyan roads are full of not just potholes but myths too. Many drivers still believe things that could cost them their cars, their money, or their peace. Let’s crush the top myths one by one.
Myth 1: “Insurance doesn’t pay.”
False. Insurance pays — but only when you follow the rules. Provide accurate info, don’t inflate claims, and always notify your insurer immediately after an accident. The problem isn’t the system — it’s often how we use it.
Myth 2: “Third Party covers my car too.”
Nope. Third Party Only covers other people’s injuries and property — not your vehicle. If you hit a wall, or your car gets stolen, you get nothing.
Myth 3: “Comprehensive is too expensive.”
Not really. You can get comprehensive cover for as low as KSh 15,000 to 30,000 per year for midrange cars. Compare quotes through Imana Insurance Kenya — you might be surprised how affordable protection really is.
Myth 4: “Claims take forever.”
With digital systems and intermediaries like Imana Insurance, most claims today are processed in under 14 days — if your documents are complete.
Myth 5: “Online insurance is fake.”
That’s outdated thinking. Platforms like MyKava Online Insurance Shop are verified and linked with licensed Kenyan insurers. You can buy genuine car insurance in 15 minutes — and receive your certificate electronically, verified by the Insurance Regulatory Authority (IRA).
Myth 6: “You only need insurance when police are on the road.”
That’s playing with fate. Accidents don’t send warnings. Insurance protects you every day — not just during roadblocks.
Insurance Wisdom
Car insurance isn’t a punishment; it’s a shield. It saves you from sleepless nights, debt, and endless garage bills. So don’t buy the cheapest — buy the right one.
And always compare, save, and buy confidently with Imana Insurance Kenya Ltd and MyKava Online Insurance Shop.
🌐 www.imana.co.ke | www.mykava.co.ke
📞 0113 619 635 | 0745 218 460 | 0113 806 810
#CarInsuranceKenya #MotorInsurance #InsuranceMyths #ImanaInsurance #MyKavaInsurance #CompareBuySave #KenyaDrivers #ComprehensiveCover #ThirdPartyOnly
