Cost of Third-Party Car Insurance in Kenya

Third-Party Car insurance is the mandatory minimum car insurance by law in Kenya for every automobile including Motorcycles and vehicles.

It’s an offense in Kenya to drive or ride without Third Party insurance proof. This can attract a fine of up to ksh 10,000 or more if involved in an accident.

For it to be mandatory, every driver must buy one, however many don’t know how much it goes for in the market, that is where questions such as:

  • How much is The Third-party Car Insurance in Kenya?
  • How much will I pay For PSV Third party insurance?
  • How much is Third party Private Car insurance?
  • How Much Will a driver pay for Third party Commercial vehicle?
  • How Much Will Tax drivers pay For Third party Insurance in Kenya?
  • How much is Third Party Insurance for Boda Boda In Kenya?

Well, these and much more are some of the questions Kenyans tend to ask or rather search on the internet for results.

However, to answer this question am going to give an approximate overview of the prices involved with Third Party insurance in Kenya as every Insurance company has different prices.

Third Party Car Insurance Requirements in Kenya

Although some insurance agents /brokers companies might require more documents for you to buy Third party car insurance, these are the basic requirements: 

  • Logbook of the car to be insured/Registration Number
  • National ID for the owner of the vehicle/motorcycle
  • Valuation report
  • Third Party Car Insurance proposal form 

Third-Party Cost Breakdown

a) Third Party Insurance for Private Cars premium prices – This goes between ksh 5000 -ksh 7500 or slightly lower or higher.

b) Commercial vehicles such pickups and lorries go for ksh 7500 up to ksh 25000 per annum 

c) PSV Matatus goes for approximately ksh 100,000 per annum

d) PSV Tax goes for approximately 9500 per annum

e) Motorcycle Bodaboda goes for approximately ksh 7500 per annum 

Companies like Explico Motor Insurance give Bodaboda Third Party at ksh 5000 annual while Spurfin Insurance agents give Bodaboda Third Party at ksh 4500 per annum

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