- Author: Raymond
- Category: Car Insurance
Why Bigger Cars Sometimes Pay Less for Comprehensive Insurance in Kenya: A Short Story
Brian was excited. After years of saving, he finally had the chance to buy a car. He had two options on the table—a small 1300cc hatchback and a solid 2400cc SUV. Common sense—and fuel economy—told him the hatchback was the cheaper bet. But when he called Imana Insurance Agency Kenya Ltd to get comprehensive insurance quotes for both, the results left him wide-eyed.
"Wait… You're telling me the SUV is cheaper to insure than the small car?"
"Yes, Brian," the agent chuckled, "Let me explain why."
The Real Story Behind the Numbers
In Kenya, insurance premiums aren’t just about the car’s engine size or price tag—they’re about risk. And risk, my friend, isn’t always what it looks like.
Smaller cars, especially popular models used for errands or rideshare services, tend to:
1. Spend more time on the road (more exposure = higher risk)
2. Get involved in more minor accidents
3. Get stolen more often (yes, they're easier targets)
4. And have parts that are more prone to wear or tampering
Larger vehicles—think SUVs and double cabins—are often:
1. Used less frequently or for longer, safer journeys
2. Better built to absorb damage, reducing repair claims
3. Less attractive to thieves (harder to disappear with)
4. Often owned by cautious drivers who insure for peace of mind
So even though that SUV looked beefier and more expensive, the stats told a different story. The risk profile was lower, and that meant lower premiums for comprehensive cover.
Brian ended up going for the SUV. Sure, it sipped more fuel, but his peace of mind was worth the extra shilling.
“With Imana Insurance guiding me,” he laughed, “even the big car came with small insurance stress.”
Need a quote for your ride—big or small?
Let Imana Insurance Agency Kenya Ltd or MyKava Online Insurance Shop sort you out!
www.imana.co.ke | www.mykava.co.ke
4th Floor Krishna Centre, Woodvale Grove, Westlands, Nairobi
WhatsApp/Call: 0113619635 | 0745218460 | 0113806810
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