Car Insurance Quotes in Kenya: What You Need to Know Before Buying?
If you are a car owner in Kenya you need to consider car insurance as your first priority after purchasing a new vehicle. There are so many insurance companies, but what are the best ways of choosing the best insurance provider? That is how car insurance quotes in Kenya come in. It does not matter whether you want to change the insurance provider or a new client, when you compare quotes you can be assured the best return for your money and the good coverage for your needs.
What Are Car Insurance Quotes
I learned that car insurance quote, is the estimated cost of the insurance policy you are going to pay based on this:
- The make and model of the car you drive.
- Your age and vehicle history.
- Where you live.
- The amount of cover you desire (Comprehensive, Third Party, etc.)
In my experience, Insurance companies consider some factors to determine your premium, Insurers can be quite different in pricing even for the same car in Kenya.
Why Car Insurance Quotes Comparison in Kenya is Important.
I compared the car insurance quotes and i realized how their proces differ by alot of money, just for the same model. You need to:
- Have affordable premiums.
- Get better coverage plans.
- Avoid secret charges.
- Select a reputable insurance company.
It is not just all about cost; it’s about getting maximum value.
Types of Car Insurance in Kenya
Before you ask for a quote, it is a good idea to have some idea of the type of cover you are after:
- Third Party Only (TPO) – This is the legal minimum. Used in covering the damaged property and injuries but does not cover your vehicle.
- Third Party, Fire & Theft (TPFT) – This covers all in TPO, and also covers in case your car is stolen or burned by fire.
- Comprehensive Insurance – The comprehensive cover. This covers your car against theft, fire, accidents and even natural disasters. This is recommended if your car is worth over Ksh.500,000.
How to Get Car Insurance Quotes in Kenya.
It is now easier than ever to get quotes. You can:
- Go directly to insurance company websites.
- Compare using websites or apps.
- Use an insurance broker.
- Call or go to physical offices.
Ensure that you give correct information so that you will not be shocked afterward.
Tips for Getting the Best Offer on Car Insurance:
- Compare three different quotes.
- Enquire about additional services like breakdown road assistance and a windscreen cover.
- Ensure that you check for a no claim discounts if you have a clean driving history.
- Check for customer reviews and process for previous claims.
- Do not take the cheapest, go with the most credible.
Popular Insurance Companies in Kenya.
My friend Peter have been using some of the popular insurance companies that provide car insurance quotes in Kenya like:
- Jubilee Insurance.
- APA Insurance.
- CIC Insurance.
- GA Insurance.
- Britam.
- Heritage Insurance.
- Kenyan Alliance.
- Cigma Insurance.
Each of these insurance companies has its own rate, so it’s always best to compare more than one of them.
Achieving the correct car insurance quote in Kenya should be a good step. You can get a cover that will ease you without bankrupting your finances with the correct information and some comparison.So whether you are purchasing a new vehicle or simply renewing cover, take some minutes to go shopping.
