Motorcycles or boda bodas as they’re popularly known in Kenya have become a common means of transport.
It’s therefore important to consider the potential risk involved in riding or using one. Accidents can happen, and the costs associated with them can be significant. That’s where motorcycle insurance comes in. In this article, we’ll take a look at all you need to know about motorcycle insurance in Kenya.
Motorcycle insurance is mandatory in Kenya under the Traffic Act, which requires all motor vehicles, including motorcycles, to be insured against third-party liability.Â
I have included a motorcycle cost calculator below that you can use to calculate the amount of premium required for your motorcycle.
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Classes Of Motorcycle Insurance In Kenya
There are two major classes of motorcycle insurance available in Kenya, these are:
- Private Motorcycle Insurance
- PSV Motorcycle Insurance
Private Motorcycle Insurance
This insurance class is available to persons who use their motorcycle solely for social, domestic, and pleasure purposes and for their own business and profession.
PSV Motorcycle Insurance
This insurance class is available to persons who use their motorcycle to carry passengers for hire and reward (fare-paying passengers).
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Types Of Motorcycle Insurance Available In Kenya
The two classes of motorcycle insurance are available in two major types. These are:
- Third-party Insurance
- Comprehensive Insurance
Third-party Insurance
This is the minimum legal requirement in Kenya. It covers damages caused to other people and their property, but it does not cover damages to the insured motorcycle or the rider.
Comprehensive Insurance
Comprehensive insurance provides the highest level of coverage. It covers damages caused to other people and their property, theft, and damage caused to the insured motorcycle.
It’s however, important to note that the rider is not covered on either of the two types of cover but the passenger or goods are covered. The rider should therefore get a separate cover called a personal accident cover.
Now that that’s out of the way, I know you’re now curious as to how much it costs to get a motorcycle insurance cover.
How Much Does Motorcycle Insurance Cost In Kenya?
The cost of motorcycle insurance in Kenya depends on a variety of factors, including the type of coverage, the make and model of the motorcycle, and the age, and experience of the rider.
As a general rule, third-party insurance is the cheapest option, while comprehensive insurance is the most expensive.
On average, the following is the cost of motorcycle insurance in Kenya:
- Annual Private Comprehensive insurance ranges from ksh 6,500 to Ksh 7,500
- Annual Private Third-party insurance ranges from Ksh 3,500 to Ksh 4,500
- Annual PSV Comprehensive insurance ranges from Ksh 8,500 to Ksh 10,000
- Annual PSV Third-party insurance ranges from Ksh 5,100 to Ksh 6,500
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Motorcycle Insurance Cost Calculator
- You can use the cost calculator below to calculate the amount of premium required for your cover as well as place an order.
- Your cover will be processed and sent to your WhatsApp or Email in 30 minutes
Factors To Consider When Choosing Motorcycle Insurance
When choosing motorcycle insurance in Kenya, there are several factors to consider, including:
- Coverage – Consider the level of coverage you need based on your budget and the value of your motorcycle.
- Insurance provider –Â Research different insurance providers to find one that offers the coverage you need at a reasonable price.
- Excess – Check the excess amount for each policy. This is the amount you’ll need to pay out of pocket in the event of a claim.
- Discounts – Look for discounts that you may be eligible for, such as no claims discounts or discounts for taking additional safety measures such as installing a motorcycle tracker or alarm systemÂ
- Payment Options – Check whether the insurance provider offers payment options that suit your budget, such as monthly, quarterly, or annual payments.
- Customer Service – Consider the quality of customer service provided by the insurance provider.
Conclusion
Motorcycle insurance is a must-have for anyone who owns a motorcycle in Kenya. It provides financial protection in the event of an accident, theft, or damage to the motorcycle.
When choosing motorcycle insurance, consider the level of coverage you need, the insurance provider, excess amount, discounts, payment options, and customer service. By taking the time to choose the right insurance policy, you can ride in peace knowing that you’re protected.
Remember, accidents can happen to anyone, but having adequate insurance coverage can help you minimize the financial impact and get back on the road quickly.
You can get in touch with an insurance expert here for a free consultation.
Kevin Muya is an award-winning entrepreneur and the visionary Founder and CEO of Scepture Empire Limited. With a passion for e-commerce and digital marketing, Kevin has revolutionized online marketplaces in Kenya through innovative ideas that transform buyer-seller interactions.
I need a 3-month privet 3rd party insurance.
Hello John, you can contact us on 0706867677 for a quote
3 month private 3rd p insurance
Hello John, Motorcycle insurance is only available in 1 month, 6 months or one year durations. Kindly use the premium calculator provided above to calculate the required premium based on your motorcycle.
Am in need of a comprehensive private cover for my 150cc motorcycle.
We have been in touch.
can I insure for one month and how much
One Month Motorcycle Insurance is only available for private use and in third party, the cover goes for ksh 1,000. Use the calculator provided above to place an order for the cover
Can i insure 3 years?
Insurance covers are valid for an year.
Hi which company do you recommend to insure tuktuk third party
We use Trident. To place an order kindly use the calculator above to calculate the required premium as well as place an order.
I need a comprehensive cover PSV 150cc how much is the premium for 6 month
Hello Kindly use the Insurance calculator provided above to calculate the premium and place an order.
Can i have a one month cover for motocycle
Use the calculator above the page to calculate the amount of premium required as well as place an order.
How much is 1 month motorbike insurance and which company of that insurance?
We do not offer one month Motorcycle insurance. Kindly refer to the above calculator for the available covers
Is there 1 month private Motorcycle Third Party Insurance cover
Kindly use the calculator provided above to calculate the premium required depending on the type and period of cover. At the moment we don’t offer a one-month motorcycle cover.
Hello my names is moses I need comprehensive insurance private how much for 6 months
Hello Mr. Moses, for private covers we don’t usually offer for 6 months only the Annual cover is available
Requirements….
Hello Harrison, all the instructions are outlined on the above calculator. Thank you
How much for psv third party cover for 150cc
Kindly use the calculator provided above to calculate the premium.
Is it possible tovrevoke an existing insurance to get a new one.i need one from uap asap
It’s possible just contact your current insurance service provider to cancel the existing cover.