Motorcycle & Boda Boda Insurance
Motorcycle cover for personal and commercial use, including boda boda operators.
Motorcycle insurance in Kenya covers a much wider range of riders than most people realise — from the daily commuter on a 150cc Honda, to the weekend tourer on a 1000cc sport bike, to the boda boda rider running 100+ kilometres a day on Nairobi's roads. Each profile carries a very different risk and a very different right policy.
Boda boda operations in particular have specific requirements: NTSA registration, county-level licensing in some areas, mandatory passenger and pillion liability cover, and (under recent Boda Boda Safety Act discussions) increasing alignment with PSV-style regulations. Vike places motorcycle cover with insurers who genuinely underwrite the boda boda class — not as a marginal afterthought.
What It Covers
Accidental damage to the motorcycle (Comprehensive)
Fire, theft, and attempted theft
Third-party bodily injury — legally unlimited
Third-party property damage
Passenger / pillion liability (essential for boda boda)
Authorised rider cover with appropriate Class A licence
Roadside recovery
Who It's For
Personal commuters and weekend riders
Boda boda operators carrying fare-paying passengers
Delivery riders (Glovo, Jumia, Sendy, in-house courier fleets)
Sport and tour-bike enthusiasts
Fleet operators running boda boda or delivery rider networks
Types We Cover
Each profile is rated and underwritten differently. Talk to us so we can match your specific situation.
Commuter Motorcycles (under 250cc)
The Bajaj Boxer, Honda CB, TVS, and similar bikes used for personal transport. The most common motorcycle class on Kenyan roads. Affordable comprehensive cover available.
Boda Boda (Commercial Passenger)
Motorcycles used to carry fare-paying passengers. Requires passenger legal liability and is rated as the highest motorcycle risk class. Sacco-affiliated boda boda operators may qualify for group rates.
Delivery Riders
Motorcycles used for goods delivery (food, parcels, e-commerce). Distinct from boda boda — no fare-paying passengers — but still commercial use. Some policies bundle goods-in-transit for the delivery cargo.
Sport & Tour Motorcycles
Larger-displacement bikes (600cc+) used for leisure, weekend touring, or track use (subject to exclusions). Higher sum insured, often agreed-value policies, and stricter rider experience requirements.
Electric Motorcycles
An emerging class in Kenya, including swappable-battery boda bodas (Roam, Ampersand, Spiro, etc.). Underwriting considers battery value, charging infrastructure, and theft profile separately from the chassis.
Real-World Scenarios
Boda boda accident with a passenger injury
Passenger legal liability handles the passenger's injury claim. Without it, the rider carries personal liability — which can run into millions of shillings for serious injuries. This is the single most important cover for any commercial boda boda operator.
Motorcycle stolen at a junction
Comprehensive or TPFT pays out the market value at the time of loss after a police abstract is obtained, less the excess. Theft is the most common boda boda claim, so anti-theft devices and tracking can significantly reduce premium.
Delivery rider hits a pedestrian
Third-party bodily injury (unlimited) handles the medical and any compensation claim. The rider's WIBA cover (employer's responsibility for any commercial rider) handles the rider's own injuries.
Optional Benefits & Add-ons
Increased Passenger Legal Liability (boda boda)
Personal Accident for the rider
Helmet & Riding Gear cover
Roadside Assistance
Anti-theft tracking device discount
Group / Sacco scheme pricing
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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