Private Car Insurance
Cover for personal vehicles — from sedans to SUVs. Comprehensive and third-party options.
Private car insurance in Kenya is mandatory by law — every vehicle on the road must carry at least Third Party Only cover under the Insurance (Motor Vehicles Third Party Risks) Act. But the right policy goes well beyond legal compliance: it protects the value tied up in your vehicle, the income you would lose without it, and your liability if you injure another road user.
Vike works with all major IRA-regulated motor underwriters in Kenya. We compare premiums, excess structures, claims track records, and add-on availability so you can pick the cover that matches both your vehicle's value and how you actually use it — whether that is a daily commute on Mombasa Road, weekend trips upcountry, or school runs in Karen.
What It Covers
Accidental damage to your own vehicle (Comprehensive)
Theft and attempted theft of the vehicle and fitted accessories
Fire, lightning, and explosion damage
Third-party bodily injury and death (legally required)
Third-party property damage up to the policy limit
Windscreen and window glass damage
Towing to the nearest approved repairer following a covered loss
Authorised driver cover (named or any-driver, depending on the policy)
Who It's For
Owners of sedans, hatchbacks, SUVs, and station wagons used for personal and family transport
Drivers financing a vehicle through a bank or sacco — most lenders require Comprehensive cover
Owner-driven vehicles only (no PSV, fare-paying, or hire & reward use)
Vehicles registered in Kenya with a valid logbook in the policyholder's name
Types We Cover
Each profile is rated and underwritten differently. Talk to us so we can match your specific situation.
Comprehensive
Full cover for own-vehicle damage, theft, fire, and third-party liability. The standard recommendation for newer or financed vehicles where repair and replacement costs are significant.
Third Party Fire & Theft (TPFT)
Mid-range cover that protects against theft, fire, and damage you cause to others — but excludes accidental damage to your own car. Often the right choice for older or mid-value vehicles where Comprehensive premiums no longer make economic sense.
Third Party Only (TPO)
The legal minimum. Covers only damage you cause to other people and their property. Suited to very old or low-value vehicles where you have accepted the risk of total loss yourself.
Agreed Value Policy
For classic, modified, or high-value vehicles, you and the insurer agree the sum insured upfront. Removes disputes over depreciation at claim time. Usually requires a recent valuation report.
Real-World Scenarios
Rear-ended in Nairobi traffic
Your bumper and tailgate need replacing. Under Comprehensive, the insurer pays the repair less your excess. If the other driver is fully at fault and identifiable, the insurer can recover from their insurer and refund your excess.
Vehicle stolen from your compound
After a police abstract is obtained and the standard waiting period elapses, a Comprehensive or TPFT policy pays out the market value at the time of loss (or the agreed value if applicable), less any excess.
Hit a pedestrian
Third-party bodily injury is legally unlimited in Kenya. Any motor policy — including TPO — handles the liability and any associated legal costs, subject to policy terms.
Optional Benefits & Add-ons
Excess Protector — waives the excess on accidental damage claims
Political Violence & Terrorism (PVT) — riots, strikes, and terrorism damage
Loss of Use — daily allowance while your vehicle is being repaired
Courtesy Car — replacement vehicle during repairs
24/7 Roadside Assistance & Towing
Personal Accident cover for the driver and passengers
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
Ready to get covered?
Our advisors will compare quotes and find the best fit for you — at no extra cost.
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