How to buy vehicle insurance within minutes

How to buy vehicle insurance within minutes
How to buy vehicle insurance within minutes

How to buy vehicle insurance within minutes

Motor Insurance(Private motor vehicle) or ​Car Insurance Kenya is a mandatory insurance policy for Kenyans that ensures the vehicle owners of native place from the financial loss, as a result, of an accident, theft or damage to the vehicle.

A private motor vehicle insurance broadly covers three types of vehicles, the two-wheelers, three-wheelers, and four-wheelers like scooters, private cars, jeeps, buses, trucks, commercial taxis, and such other vehicles.

However, it needs to be noted that one should choose the best car insurance in Kenya​ based on one’s requirements

List of best car insurance companies in Kenya

JUBILEE CAR INSURANCE

Jubilee Insurance is a well-established car insurance company of Kenya with the largest economy in East African Community. The company is a wholly owned subsidiary of a popular multinational Insurance holding company, Jubilee Holdings Limited, with its headquarters in Nairobi, the capital of Kenya.

The company was ranked first in market share with 11.9% of the Kenyan market as per reports released by Kenyan Insurance Regulatory Authority report released in September 2014.

Their coverage options include:

  1. Private Car Comprehensive
  2. Commercial Vehicle Comprehensive
  3. Trade Plate Policy
  4. Third party Bodily Injuries
  5. Theft/malicious damage
  6. Fire/special perils. e.g. Floods, wind, storm, falling trees, etc
  7. Third party liability –Injury & property damage

UAP MOTOR PRIVATE INSURANCE

Union Insurance and Provincial Insurance of Kenya generally referred as UAP Insurance of Kenya is the oldest subsidiary of UAP Group incorporated in 1978 offering a wide range of services for different insurance classes such as motor vehicle, personal accident, fire, theft, marine, workman compensation as well as livestock and crop. The company was formed in 1994 after the merger of Union Insurance and Provincial Insurance following the merger of their parent companies, UAP of France and Provincial of the UK.

UAP Kenya was the first insurance company to be ISO 9001:2000 certified and also achieved the highest Global Credit Rating (AA+). The company is also rewarded with the FiRe award for best-presented accounts for seven consecutive years.

What do they provide?

The insurance product (Gold, Silver, and Standard) will cover the vehicles for loss or damage (including riot and strikes) with Third Party liabilities anywhere in East Africa.

Some Car insurance benefits they provide include:

  1. AA Membership,
  2. Car Tracking Device & Services,
  3. Personal Accident Insurance,
  4. 24 hour Road Rescue,
  5. Emergency Medical Expenses,
  6. Forced ATM withdrawal and many more

Apart from Motor Private vehicle insurance, they also provide:

  1. General Insurance
  2. Accidents and General Losses
  3. Agricultural Solutions
  4. Aviation
  5. Engineering Solutions
  6. Property
  7. Liability
  8. Marine
  9. Motor
  10. Health
  11. Miscellaneous/Others
  12. Life Insurance

APA CAR INSURANCE

APA Insurance Company is ranked among the top 10 best car insurance companies in kenya. Being a trusted foundation,  the company purveys a wide range of car insurance products and services to both individuals and corporates.

For more information, you can visit their official website.

APA: The flagship company is formed with the union of Apollo Insurance Company and Pan Africa Insurance and acquires a combined experience (Pan Africa – 1946 and Apollo –1977) of 100 years from both companies. The company also deals in :

  1. General Insurance risks (Motor, Liability, Agriculture, Marine, Aviation, Property and Micro Insurance).
  2. Health Insurance, Risks (Corporate Health Insurance, Individual and Family Health Insurance).

AIG KENYA

AIG Company was formerly known as Chartis Kenya until November 2012. The company was functioning locally since 1972 with a plan to grow as a global market leader. With the years of experience and dedication, the company became one of the largest general insurance organizations in the world, serving more than 70 million commercial and consumer clients worldwide, It includes 98% of the Fortune 500, 97% of the Fortune 1,000, and 90% of the Fortune Global 500.

The company has been cited in industry surveys as being the best in product innovation and claims settlement service. It is also ranked among the leading insurance companies in the world and is committed to earning customer trust through continual innovation and efficient service.

The company is providing motor insurance for the below-mentioned classes:

  1. Private Motor Insurance Kenya
  2. Health Insurance

HERITAGE INSURANCE COMPANY

Heritage Insurance Company has been providing its first-rate short-term insurance services since 1924. Norwich Union Fire Insurance Society and The Legal & General Insurance Company merged their interests in 1976 to form The Heritage Insurance Company Limited.

The company was rated AA- by Global Rating Company (GRC), for amongst other reasons, our high claims paying ability which is one of the highest international ratings awarded to a Kenyan insurer.

The company insures private vehicles under the following terms:

  1. The private vehicles will include Saloons, Station wagons, Estates, and the large Four Wheel Drives (4X4).
  2. The vehicles insured must be used for social, domestic and pleasure purposes only.
  3. Policy type and costs will depend upon different things such as age, marital status, and experience as a driver.

Some of the other general things covered under private car insurance Kenya include

  1. Third party liability,
  2. Loss of spare parts/ keys,
  3. Windscreen and towing services.

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