It is mandatory in Kenya that any motor vehicle on the road must have a minimum level of insurance. According to the Kenya Traffic Act Chapter 405 any vehicle must have the minimum of Third Party Only (TPO) motor vehicle insurance. This covers the insured against costs, charges and expenses from third parties if the vehicle is involved in a road accident or any such event that may cause loss to members of the public.
Covers damages or injuries you cause to other people or their property in an accident. This includes medical expenses, repair costs, and legal fees related to third-party claims.
Compensation for damages to another party's property, such as vehicles, buildings, or public infrastructure, resulting from an accident involving your vehicle.
Provides coverage for medical expenses or compensation claims for third parties who are injured or killed in an accident caused by your vehicle.
Use our online quote tool to get an estimate for Third Party Only Motor Vehicle Insurance.
Talk to our team to better understand your options and the extent of coverage needed.
Consider your risk exposure when selecting Third Party Only Motor Vehicle Insurance. While it provides essential protection for third-party liabilities, it does not cover damage to your own vehicle. If your vehicle holds significant value or you frequently drive in areas prone to accidents, you may want to consider more comprehensive coverage options. Also, check the extent of third-party bodily injury coverage to ensure it meets your specific needs.
What the TPO auto cover doesn't cover is damage to the vehicle as a result of a road accident, fire and theft. These can be covered using a comprehensive motor vehicle insurance policy, which covers a wider list of risks to both the insured and the general public. A single road accident can destroy property worth tens of millions of shillings not to mention cause loss of lives of drivers, other road users and innocent bystanders. This is especially common for larger vehicles like lorries, trucks, and trailers that carry heavy tonnage compared to small private motor vehicles. Third party motor vehicle insurance quotes vary depending on the provider, the limits of liability of the policy and also the type of vehicle to be covered. For private cars, rates vary from as low as KSh 5,000 to just below KSh 8,000 per year. The insurance rates for commercial vehicles vary with tonnage of the vehicle, smaller pickups are charged lower than heavy lorries understandably as the weight and potential damage of a lorry much greater than that of a smaller truck. For this reason, many businesses prefer to take only third party car insurance for their commercial lorries, pickups and canters. The premium rates for these commercial vehicles range from KSh 7,500 to 25,000 per year. In Kenya, most businesses combine this third party vehicle cover with a Goods In Transit (GIT) insurance cover, this is to cover the load of the vehicle in case of accident or loss.
Welcome to our FAQs section for Third Party Only Insurance! Here, we address your most common questions regarding coverage options, eligibility, claims processes, and more.
You need insurance coverage, be it to protect your home, auto, business, the future of your loved ones, or a variety of other needs. We offer all types of insurance under one roof.
