- Author: Raymond
- Category: Car Insurance
Types of Motor Insurance Classes in Kenya: Explained Simply
1. Private Motor Insurance
>Covers: Vehicles used for personal use (e.g., driving to work, school runs, weekend trips).
>Does NOT cover: Commercial use or earning income (like Uber or deliveries).
>Examples: Your personal saloon car, SUV, or station wagon.
✅ Ideal for personal car owners who don’t earn income from the vehicle.
2. Commercial Vehicle Insurance
>Covers: Vehicles used to carry goods for business purposes.
>Examples: Pick-ups, lorries, vans used for transporting stock, building materials, etc.
Subcategories:
Light commercial
Heavy commercial e.g long distance trucks
✅ Perfect for businesses moving goods—whether it's a hardware van or delivery truck.
3. Commercial Taxi Insurance (Non-PSV)
>Covers: Taxis used for ride-hailing apps like Uber, Bolt, Little Cab, or private taxi use.
>Special Notes: This class sits between private and PSV. It’s for vehicles making income but not operating like matatus.
>Often has: Private-comprehensive plus passenger liability options.
✅ Tailored for digital taxi drivers who aren’t in the PSV system but still earn from rides.
4. PSV (Public Service Vehicle) Insurance
Covers: Vehicles that carry passengers for hire. This includes matatus, buses, boda bodas (passenger), tuk tuks.
PSV is split into:
>PSV Matatu/Bus – Regular routes (e.g., Nairobi to Thika)
>PSV Institution Use – School buses, church vans
>PSV Taxi – Taxis not on apps but picking passengers off the street
>PSV Motorcycle – Bodabodas carrying passengers
✅ Mandatory for any public transport or fare-charging vehicles.
5. Institutional/Corporate Motor Insurance
>Covers: Vehicles owned by institutions (NGOs, government agencies, companies) for official duties.
>Usage: Still considered private use but under organizational ownership.
✅ Best for company fleets and official vehicles used by staff.
⚠️ Mistake to Avoid:
Many people accidentally insure a taxi under private use to save on premiums — but this can void a claim if an accident happens during income-generating activity. ALWAYS declare correct use.
📞 Let Imana Guide You
Choosing the right class can be confusing — but that’s where Imana Insurance Agency Kenya Ltd steps in. We help you:
✅ Choose the right insurance class
✅ Compare rates from trusted insurers
✅ Get your digital certificate fast
✅ Avoid costly mistakes during claims
🧭 Reach Out to Imana:
📍 Location: 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi
🌐 Websites: www.imana.co.ke | www.mykava.co.ke
📲 WhatsApp/Call: 0113619635 | 0745218460 | 0113806810
💬 Support: Quotes, Claims, Advice — we’ve got your back
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Let us break the insurance lingo so you don’t break your bank later. Talk to Imana before you choose your next motor insurance class!
