Steps to Insure a Car in Kenya: Complete Guide
Owning a car in Kenya is easy and rewarding but it requires some commitment. Among these is the requirement to insure your car. Finding out how to insure a car in Kenya will save you money protect you from loss and keep you out of trouble with the law regardless of whether youre purchasing a car for the first time or need to switch providers.
Why Vehicle Insurance in Kenya is Important
The Insurance Act in Kenya states that auto insurance is a legal requirement in Kenya. Without it you risk facing the law a hefty fine or having your car seized. Also insurance protects you against property loss in the event that your vehicle is stolen destroyed by fire or involved in an accident.
Steps to Insure a Car in Kenya:
1. Know Kenyas Automobile Insurance Types.
Learn about the most popular types of motor insurance in Kenya before making a purchase.
Third-Party Only: Protects against accidents or damages caused by third parties. It is the bare minimum required by law and the cheapest car insurance in Kenya.
Third-Party Fire and Theft: Theft fire and third-party damage are covered.
Comprehensive Insurance: Provides full coverage for theft fire third-party and auto damage. Ideal for expensive new cars.
2. Compare car insurance companies in Kenya.
There are several car insurance companies in Kenya that provide coverage for motor vehicles. These are a few of the most important ones.
- Jubilee Insurance.
- CIC insurance.
- Britam Insurance.
- APA Insurance.
- GA Insurance.
Always request car insurance quotes in Kenya in order to evaluate costs benefits and the process for filing a claim.
3. Get the right car insurance quote.
You must submit the following in order to receive the appropriate motor insurance quotes Kenya.
- Car logbook.
- Company records or national identification (if for business-owned vehicles).
- KRA PIN certificate
- Insurance history information (upon renewal).
4. Choose your preferred premium and cover.
Make sure the cover you choose fits your needs and budget. Comprehensive car insurance Kenya is appropriate for you for instance if your vehicle is long. Third-party insurance Kenya will be less expensive if you own an old low-value car.
5. Make Payment.
Ensure you make payment. All of the Kenyan insurance companies offer premium payment services listed below.
- Mobile money or M-Pesa Paybill.
- Bank Transfer.
- Brokers or Agents of Insurance.
6. Get Your Certificate of Insurance.
You will receive a Motor Insurance Certificate upon payment. To serve as proof of insurance keep it mounted on your windscreen.
7. Renew your insurance Anually.
In Kenya the duration of auto insurance is 12 months. Renew early to avoid driving without insurance.
Tips to save money on car insurance in Kenya.
- Examine at least three separate car insurance quotes.
- If your vehicle is old select third-party insurance.
- To avoid insurance fines drive carefully.
- Select the services of insurance brokers in Kenya who are able to bargain for affordable rates.
Learn how to insure a car in Kenya its very easy. You can travel with confidence if you have the right coverage compare car insurance companies in Kenya and renew your policy on time. If you need cheapest car insurance Kenya or comprehensive coverage getting it right keeps you both financially and legally sound.
