Commercial Vehicle Insurance
Lorries, vans, pickups, and trucks for business use covered by Kenya's top underwriters.
Commercial vehicle insurance covers vehicles used for the carriage of goods or for business operations — distinct from private cars, PSVs, and motorcycles. The premium and underwriting approach reflect the heavier wear, longer hours, and higher third-party exposure that business use brings.
Whether you operate a single delivery van or a fleet of long-haul prime movers, Vike negotiates terms that recognise your operating profile: routes, drivers, cargo type, and risk-management practices. We work with insurers who understand Kenyan commercial transport — including the realities of cross-border logistics, urban distribution, and last-mile delivery.
What It Covers
Accidental damage to the vehicle (Comprehensive)
Fire, theft, and attempted theft
Third-party bodily injury — legally unlimited
Third-party property damage
Loading and offloading risks (subject to policy)
Authorised driver cover with appropriate licence class
Towing and recovery after a covered loss
Who It's For
Businesses owning pickups, panel vans, lorries, or trucks for goods carriage
Logistics, distribution, and delivery operators
SMEs running tools and equipment in service vehicles (plumbers, electricians, contractors)
Fleet owners requiring consolidated policies and centralised claims handling
Types We Cover
Each profile is rated and underwritten differently. Talk to us so we can match your specific situation.
Light Commercial Vehicles (under 3.5 tonnes)
Pickups, panel vans, and double cabs used for goods transport or service businesses. Often the same chassis as private cars but rated commercially because of usage.
Medium Commercial Vehicles (3.5 – 16 tonnes)
Box trucks, mid-size lorries, and tippers commonly used by SMEs for distribution, construction, and agricultural transport.
Heavy Commercial Vehicles (above 16 tonnes)
Prime movers, articulated trucks, and tankers used in long-haul logistics including the Mombasa–Nairobi–Kampala corridor. Underwriting considers route, driver experience, and cargo type.
Refrigerated & Specialised Vehicles
Cold chain trucks, fuel tankers, and concrete mixers. Specialised cover with bespoke wording for the unique exposures and equipment carried.
Fleet Policies
5+ vehicles consolidated under one policy with shared limits, fleet-wide claims experience pricing, and a single renewal date. Includes telematics-based discounts on request.
Real-World Scenarios
Delivery van rolled on the way to Naivasha
Comprehensive cover handles the vehicle repair (or write-off settlement). Loss of Use add-on can pay a daily allowance while the van is off the road, helping protect your delivery commitments.
Truck damages a roadside kiosk
Third-party property damage liability covers the kiosk owner's claim up to the policy limit. We typically recommend at least KES 5M third-party property damage on commercial policies.
Driver hospitalised after an accident
WIBA cover (separate policy, also legally required) handles the medical treatment and any compensation owed to the driver as your employee. Goods in Transit cover (separate policy) handles damaged cargo.
Optional Benefits & Add-ons
Goods in Transit — covers cargo against loss or damage
WIBA / Employer's Liability — required for drivers and crew
Loss of Use — daily allowance while vehicle is off the road
PVT (Political Violence & Terrorism) — required on most corridor routes
Excess Protector
Telematics-based premium discount for tracked fleets
Availability varies by underwriter. Our advisors will confirm what is available on your chosen policy.
Frequently Asked Questions
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Quotes from Kenya's leading underwriters
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