Motor Insurance

Motor Insurance

Your car is covered. So are you.

Comprehensive and third-party cover for private cars, commercial vehicles, and fleets. We search six underwriters so you don’t have to, and we’re with you when you claim.

Whatsapp for a quote
Explore All Solutions

Get a Motor Quote

Takes 60 seconds. We call you with options within 2 hours.


Radical transparency

What’s covered. What’s not.

Covered (comprehensive plan)

Accidental damage

collision, rollover, fire, and flood damage to your vehicle

Theft and attempted theft

including carjacking and vehicular break-in

Third-party liability

bodily injury and property damage to others

Windscreen replacement

no-claims-discount impact waived (most underwriters)

Towing and emergency accommodation

up to agreed limit

Passenger liability

bodily injury to passengers (most policies)

Not covered (standard policy)

Driving under influence

claims arising while the driver is intoxicated are void

Unlicensed drivers

the driver must hold a valid Kenyan driving licence

Mechanical or electrical breakdown

unless caused by a covered accident

Wear and tear

depreciation, rust, gradual deterioration

Use beyond policy scope

e.g. using a personal vehicle commercially without disclosure

Personal belongings in the vehicle

these require a separate all-risk add-on

Motor FAQS

How quickly can I get a motor policy?

Same-day cover is standard. Once you confirm the quote and we receive payment, your certificate of insurance is issued within the hour. We handle all the paperwork.

Do you cover vehicles older than 10 years?

Yes. Some underwriters restrict comprehensive cover on vehicles over 12 years, moving to third-party only. We know which underwriters are most favourable for older vehicles and will match you accordingly.

How long does a motor claim take?

Minor claims (windscreen, minor dent) are typically settled in 7–14 days. Complex or total-loss claims can take 30–60 days. We manage the entire process and give you weekly WhatsApp updates, you never chase us.

Can I insure a fleet under one policy?

Yes. Fleet policies cover 2 or more vehicles under a single policy, often with significantly better rates than individual policies. We negotiate fleet rates on your behalf and handle all additions and deletions during the year.