Motor Insurance
Complete Protection for Your Vehicle
Comprehensive motor insurance coverage for all types of vehicles with quick claim processing and nationwide support.
Why Motor Insurance is Essential
Legal requirements and financial protection for Kenyan drivers
Legal Requirement
Third party motor insurance is mandatory by law in Kenya under the Insurance Act, Cap 405. You cannot legally drive without at least basic coverage.
Financial Protection
Protects you from potentially devastating financial losses due to accidents, theft, or damage to your vehicle.
Third Party Coverage
Covers compensation for injuries or property damage you may cause to other people in an accident.
Quick Facts
Mandatory Coverage
All vehicles on Kenyan roads must have at least Third Party insurance
Instant Quotes
Get competitive quotes from multiple insurers in minutes
Expert Guidance
Our advisors help you choose the best coverage for your needs
Types of Motor Insurance Coverage
Choose the right level of protection for your vehicle
Third Party Only
Mandatory Basic Coverage
What's Covered:
Not Covered:
Third Party Fire & Theft
Enhanced Protection
Everything in Third Party Plus:
Still Not Covered:
Comprehensive
Complete Protection
Complete Coverage Including:
Optional Add-On Benefits
Enhance your coverage with these additional protections
Courtesy Car
Temporary vehicle while yours is being repaired (up to 10 days)
Excess Protector
Waives your excess payment for covered claims
Political Violence
Coverage for damage due to riots, strikes, and terrorism
ATM Withdrawal
Covers forced ATM withdrawal during carjacking (up to KSh 40,000)
Personal Effects
Coverage for personal belongings stolen from your vehicle
Roadside Assistance
24/7 emergency roadside assistance and breakdown support
Understanding Insurance Excess
What you need to know about excess payments
What is Excess?
Excess is the first amount you pay when making a claim before your insurance covers the rest. It encourages responsible driving and helps keep premiums affordable.
Typical Excess Amounts:
No Blame, No Excess
Many policies offer "No Blame, No Excess" protection when:
- Police report shows you're not at fault
- Third party details are available
- Claim exceeds excess amount
Why Choose Bima Hakika
We work with leading insurance companies to get you the best coverage
Compare Multiple Insurers
We work with top insurance companies including CIC, ICEA Lion, Heritage, First Assurance, and more to find you the best rates.
Expert Guidance
Our experienced advisors help you understand policy terms and choose coverage that matches your needs and budget.
Quick Processing
Fast quote comparisons and policy processing. Get covered in as little as 24 hours with digital certificates.
Ongoing Support
We support you throughout the policy period, helping with claims, renewals, and any questions you may have.
No Extra Cost
Our brokerage services come at no additional cost to you. Insurance companies pay us directly.
Claims Assistance
We help you navigate the claims process and ensure you get fair and prompt settlement.
Get Your Motor Insurance Quote
Compare quotes from multiple leading insurance companies in Kenya. Our experts will help you find the best coverage at competitive rates.
Request Your Quote
Frequently Asked Questions
Common questions about motor insurance in Kenya
Is motor insurance mandatory in Kenya?
Yes, third party motor insurance is mandatory by law in Kenya under the Insurance Act, Cap 405. You cannot legally drive without at least third party coverage.
What's the difference between third party and comprehensive?
Third party covers damage to other people and their property only. Comprehensive covers your own vehicle damage plus all third party benefits, including theft, fire, and accidental damage.
How quickly can I get covered?
With digital certificates, you can get covered within 24 hours. We provide instant quotes and can process your policy the same day.
What documents do I need for motor insurance?
You'll need your driving license, vehicle logbook (or import documents for new vehicles), KRA PIN, National ID, and for comprehensive cover, a vehicle valuation may be required.
Can I pay my premium in installments?
Yes, many insurers offer flexible payment options including monthly installments (up to 12 months) through products like CIC EasyBima and other monthly payment plans.
What happens if my car is stolen?
For comprehensive and third party fire & theft policies, theft is covered. You must report to police immediately and provide required documentation. Excess applies unless you have a tracking device.
Do you charge extra for your brokerage services?
No, our brokerage services are free to you. Insurance companies pay us commission directly, so you get expert advice and comparison shopping at no additional cost.
Our Insurance Partners
We work with Kenya's leading insurance companies
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