- Author: Raymond
- Category: Motorcycle Insurance
Types of Motorcycles & Their Insurance Covers in Kenya
1. PSV Motorcycle (Boda Boda - Passenger Carrying)
These are the bikes you see ferrying passengers every day — the true hustler rides.
Insurance Type: Public Service Vehicle (PSV) - Motorcycle Insurance
Cover Includes:
1. Passenger liability
2. Third-party injury or property damage
3. Rider personal accident
4. Optional comprehensive for theft/damage
Premiums from as low as Ksh.1,000 (1 Month), Ksh.2,556 (6 Months), Ksh.4,060 (1 Year)
Required by NTSA for licensed boda bodas.
2. Motorcycle for Parcel/Delivery Services
Think Glovo, Uber Eats, Jumia riders, company fleet delivery bikes — no passengers, only cargo.
Insurance Type: Motorcycle Commercial (Courier/Delivery Use)
Cover Includes:
1. Goods-in-transit (if added)
2. Third-party liability (accidents while delivering)
3. Rider personal accident
4. Optional comprehensive for full damage/theft protection
Important to clearly state "parcel delivery" during insurance purchase to avoid claim issues.
3. Private Use Motorcycle
Used for personal errands, commuting, leisure — not used for work or income.
Insurance Type: Private Motorcycle Insurance
Cover Includes:
1. Third-party only OR comprehensive options
2. Rider personal accident (optional)
3. No cover for passengers (unless added)
Usually cheaper than commercial or PSV covers since there's lower risk involved.
Why It Matters
Wrong classification = DENIED claims
If you're carrying passengers but insured as private? You're exposed.
Insured for private use but using for delivery? Your cover can be voided.
Imana Insurance Will Help You Get It Right
Whether you're a courier boss, a boda rider, or just vibing with your weekend bike — we got the right cover for you. Fast, Affordable, Legit.
Visit us: 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi
Websites: www.imana.co.ke | www.mykava.co.ke
WhatsApp/Call: +254745218460 | +254113619635 | +254113806810
#MotorcycleInsuranceKenya #BodaBodaCover #CourierBikeInsurance #PSVMotorbikeKenya #SaveWithImana #MyKavaInsurance #RideSafeKenya #ImanaInsurance
Let’s educate the streets. Let’s insure the hustle.
