+254 020 2100154 premiersure@gmail.com Nairobi, Kenya

Motor Insurance

Protect your vehicle against accidents, theft, and third-party liabilities. Compare Kenya's top underwriters in one place.

Overview

Compare Motor Insurance Options

A motor insurance policy (also known as car insurance, vehicle insurance, or auto insurance) offers coverage to the insured vehicle against financial losses due to an accident or one resulting from other damages.

Whether you drive a personal sedan, a luxury SUV, a commercial vehicle or manage a corporate fleet of vehicles — Premiersure matches you with premium car insurance rates from over 10 licensed insurance companies in Kenya. We secure you covers that feature low excesses, quick claims settlement, and comprehensive value additions.

Our Coverage Plans

Comprehensive Cover

Covers accidental damage to your vehicle, fire, theft, windscreen damage, and third-party property damage and bodily injury liabilities. The premium is determined by age, value, use , type & model of vehicle.

Third Party Only (TPO)

The legal minimum in Kenya. Covers liabilities arising from damage to other vehicles or property, and third-party injuries/death. Does not cover your own vehicle.

Value Added Benefits

  • Excess Protector: Waives the standard deductible/excess you must pay in the event of an accidental damage claim.
  • Political Violence & Terrorism (PVT): Protects your vehicle against damages arising from riots, strikes, civil commotion, and terror incidents.
  • Windscreen & Radio Cassette Cover: Higher limits to replace damaged glass or entertainment systems without affecting your No-Claims Discount (NCD).
  • Loss of Use/Courtesy Car: Provides a temporary vehicle or cash allowance while your car is undergoing repairs at an authorized garage.
  • Roadside Assistance: Towing support, flat tire change, battery jumpstart, and minor mechanical breakdowns across Kenya.

Motor Quote Calculator

Fill in your car details to compare comprehensive rates instantly.

We respond with comparative quotes within 30 minutes.

FAQs

Motor Insurance FAQs

Common answers regarding auto covers, valuations, and premium calculations in Kenya.

The basic comprehensive premium rate generally ranges from 3.25% to 4.5% of the vehicle's value annually, depending on the car's age, make, and underwriter terms. Additional benefits like Excess Protector (+0.25%) and PVT (+0.25%) are calculated on top, subject to a minimum premium set by underwriters.

An excess is the contribution you pay towards a claim (e.g. 2.5% of vehicle value or a flat fee like KES 15,000). If you purchase an Excess Protector benefit, the insurance company waives this deductible, meaning they pay 100% of the repairs cost (subject to the policy terms).

Yes, for comprehensive covers, underwriters require a valuation report from an authorized valuer (like AA of Kenya, Regent, or Regent Valuers) to confirm the car's state and market value. We issue a temporary cover note for 30 days to let you use the vehicle while arranging the valuation. Valuation is usually free of charge or reimbursed.