• By Raymond Momanyi

Compare Motor Insurance Quotes in Kenya | Imana Insurance Agency

Compare motor insurance quotes in Kenya with Imana Insurance Agency. Learn how to buy online, required documents, M-Pesa payment details, and compare private car, PSV, motorcycle and Tuk-Tuk insurance from leading insurers.

Compare Motor Insurance Quotes in Kenya Before You Buy

Motor Insurance prices in Kenya can vary significantly from one insurer to another.

The premium is not the only thing that changes.

Different insurance companies may also offer different:

• Excesses
• Windscreen limits
• Road rescue benefits
• PVT options
• Excess Protector terms
• Vehicle-age requirements
• Claims processes

That is why motorists should compare quotations before buying or renewing cover.

At Imana Insurance Agency Kenya Ltd, customers can request Motor Insurance quotations online and compare available options from different underwriters based on the vehicle type, use, value and preferred cover.

Start your Motor Insurance quotation here:
https://imana.co.ke/motor-quote

Main website:
www.imana.co.ke

MyKava:
www.mykava.co.ke

Compare the premium. Compare the benefits. Understand the excess. Then choose.

Why Compare Motor Insurance Quotes in Kenya?

The cheapest quotation is not automatically the best.

For example, one insurer may quote a lower premium but offer:

• Higher excess
• Lower windscreen cover
• No Excess Protector
• No road rescue

Another insurer may cost slightly more but provide broader benefits.

The right choice should therefore consider:

• Price
• Protection
• Policy terms
• Claims support

This is especially important for Comprehensive Motor Insurance.

How to Buy Motor Insurance Online Through Imana

Imana makes the quotation process straightforward.

Step 1: Visit the Motor Insurance quotation page

Go to:

https://imana.co.ke/motor-quote

Provide the requested vehicle and owner details.

This may include:

• Vehicle registration number
• Make and model
• Year of manufacture
• Vehicle value
• Vehicle use
• Preferred cover type

Step 2: Choose the Motor Insurance Category

The correct insurance class depends on how the vehicle is used.

Imana provides quotation support for categories including:

Private Car Insurance

For vehicles used mainly for personal or family purposes.

More information:

https://imana.co.ke/car-insurance

PSV Insurance

For vehicles carrying passengers for hire or reward, including:

• Taxis
• Uber and Bolt
• Matatus
• Buses
• School buses
• Tour vans

More information:

https://imana.co.ke/psv-insurance

Motorcycle Insurance

For:

• Private motorcycles
• Commercial motorcycles
• Delivery motorcycles
• PSV boda bodas

More information:

https://imana.co.ke/motorcycle-insurance

Tuk-Tuk Insurance

For private, commercial or passenger-carrying Tuk-Tuks depending on the declared use.

More information:

https://imana.co.ke/tuktuk-insurance

Step 3: Decide Between Comprehensive and Third Party Insurance

Before comparing prices, choose the type of protection you need.

Comprehensive Motor Insurance

Comprehensive Insurance may cover:

• Accidental damage
• Fire
• Theft
• Third-party liability
• Other insured risks and selected extensions

It is generally better suited to motorists who want protection for their own vehicle as well as third-party liabilities.

Third Party Only

Third Party Insurance mainly protects against eligible liabilities involving other people and property.

It does not ordinarily pay to repair your own vehicle after an accident.

Third Party Fire & Theft

This can provide:

• Third-party liability
• Fire protection
• Theft protection

without the broader own-damage protection normally associated with Comprehensive Insurance.

What Documents Are Required to Buy Motor Insurance?

To process Motor Insurance through Imana, prepare copies of:

• National ID or Passport
• KRA PIN Certificate
• Vehicle Logbook

Additional information may be requested depending on:

• Vehicle class
• Comprehensive cover
• Vehicle value
• Insurer underwriting requirements

For some Comprehensive policies, the insurer may also require:

• Vehicle valuation
• Photographs
• Physical or digital inspection

Why Is the Logbook Important?

The logbook helps confirm:

• Vehicle registration
• Make
• Model
• Ownership
• Engine and chassis information

The details supplied to the insurer should match the vehicle being insured.

Incorrect information can create problems during a claim.

How to Pay for Motor Insurance Through M-Pesa

Once your quotation has been confirmed, payment can be made through the official Imana M-Pesa Paybill.

M-Pesa Paybill

Paybill: 7596117

Account Number: Your Vehicle Registration Number

For example:

Paybill: 7596117
Account: KAA001A

Always confirm the premium amount before paying.

Keep the M-Pesa confirmation message as proof of payment.

What Happens After Payment?

Once:

• The quotation is accepted
• Required documents have been received
• Payment is confirmed
• Underwriting requirements are satisfied

the policy and Motor Insurance certificate can be processed.

Digital issuance can make the process much faster than visiting multiple insurance offices physically.

How Imana Compares Motor Insurance Companies

One of the biggest advantages of using an insurance intermediary is access to more than one underwriter.

Instead of approaching one insurer and accepting the first quotation, Imana can help compare available options based on:

• Premium
• Vehicle value
• Cover type
• Excess
• Windscreen benefits
• Excess Protector
• PVT
• Road rescue
• Claims requirements

The goal is not simply to find the cheapest insurer.

It is to identify a suitable combination of:

Price + Cover + Terms + Claims Support

What Makes One Motor Insurance Company Better Than Another?

There is no single insurer that is best for every motorist.

One insurer may be competitive for:

• Private cars

Another may be stronger for:

• PSV

Another may offer attractive terms for:

• Motorcycles
• Commercial vehicles
• Fleets

That is why comparison matters.

Imana Insurance Agency Kenya Ltd understands the Motor Insurance market and can help narrow down the most suitable available options for the vehicle being insured.

Compare Motor Insurance for Private Cars

Private car owners should compare:

• Comprehensive rate
• Third Party premium
• Excess
• Vehicle value
• PVT
• Windscreen
• Road rescue
• Courtesy car
• Claims terms

Private car information:

https://imana.co.ke/car-insurance

Compare PSV Insurance Quotes

PSV owners should compare more than premium.

Important factors include:

• Passenger Legal Liability
• Vehicle type
• Seating capacity
• Comprehensive vs Third Party
• Excess
• Towing
• Claims process

PSV can include:

• Matatu
• Taxi
• Uber
• Bolt
• Bus
• School bus
• Staff bus
• Private hire
• Tour van

PSV Insurance:

https://imana.co.ke/psv-insurance

Compare Motorcycle Insurance Quotes

Motorcycle insurance depends heavily on actual use.

A motorcycle may be:

• Private
• Commercial
• Delivery
• PSV boda boda

Always declare the correct use.

Motorcycle Insurance:

https://imana.co.ke/motorcycle-insurance

Compare Tuk-Tuk Insurance Quotes

Tuk-Tuks may be used for:

• Private transport
• Commercial work
• Passenger transport

The insurance category should reflect the real use.

Tuk-Tuk Insurance:

https://imana.co.ke/tuktuk-insurance

What Affects Motor Insurance Prices in Kenya?

Several factors can influence the quotation.

Vehicle Value

For Comprehensive Insurance, higher-value vehicles generally create greater potential claim exposure.

Vehicle Age

Older vehicles may attract different insurer terms or valuation requirements.

Vehicle Use

Private use, commercial use and PSV use are not priced the same way.

Claims History

Previous claims may affect the quotation.

Optional Benefits

Adding:

• Excess Protector
• PVT
• Courtesy car
• Road rescue

can affect the final premium.

Why Vehicle Use Must Be Declared Correctly

This is one of the most important insurance rules.

A private car should not be insured as private use if it is actually being used for:

• Uber
• Bolt
• Taxi
• Tour operations
• Paid passenger transport

The insurer prices the policy based on the declared risk.

Incorrect classification may create complications during a claim.

What Is Excess?

An excess is the amount or portion of an admissible claim that the insured may be required to bear.

For example, if:

• Approved repair cost is KSh 200,000
• Applicable excess is KSh 20,000

the policyholder may bear the KSh 20,000 while the insurer considers the balance, subject to the policy.

When comparing Motor Insurance, do not ignore the excess.

What Is Excess Protector?

Excess Protector is an optional benefit that may protect against specified policy excesses.

Check exactly which excesses it protects.

It may not automatically cover:

• Theft excess
• Young-driver excess
• Inexperienced-driver excess
• Other special excesses

What Is PVT?

PVT normally refers to Political Violence and Terrorism cover.

It may protect against specified losses arising from:

• Political violence
• Terrorism
• Riots
• Civil commotion

depending on the insurer and policy wording.

When comparing quotations, check whether PVT is:

• Included
• Optional
• Excluded

Why Compare Before Renewal?

Many motorists simply renew with the same insurer every year.

That may be convenient, but circumstances change.

Before renewal, check:

• Current vehicle value
• New insurer prices
• Claims history
• Excess
• Benefits
• Vehicle use

A policy that was competitive last year may not necessarily be the best option this year.

How Long Does It Take to Buy Motor Insurance?

The process can be quick when the customer has:

• Correct documents
• Confirmed quotation
• Payment
• Complete vehicle information

Some risks may require additional underwriting or inspection.

Digital processing can still make the overall journey significantly faster than approaching several insurers physically.

Frequently Asked Questions

Where can I compare Motor Insurance quotes in Kenya?

You can request quotations through:

https://imana.co.ke/motor-quote

What documents do I need?

Prepare:

• ID or Passport
• KRA PIN
• Vehicle Logbook

Additional documents may be requested depending on the insurer.

How do I pay through M-Pesa?

Use:

Paybill: 7596117

Account: Vehicle registration number

Can I buy Third Party Insurance online?

Yes, subject to the insurer’s requirements and vehicle classification.

Can I buy Comprehensive Insurance through Imana?

Yes, subject to insurer underwriting.

Does Imana compare several insurers?

Yes. Imana can help compare available quotations across suitable underwriters.

Can I insure a PSV?

Yes.

Visit:

https://imana.co.ke/psv-insurance

Can I insure a motorcycle?

Yes.

Visit:

https://imana.co.ke/motorcycle-insurance

Can I insure a Tuk-Tuk?

Yes.

Visit:

https://imana.co.ke/tuktuk-insurance

Can I compare private car insurance?

Yes.

Visit:

https://imana.co.ke/car-insurance

Why Use Imana Insurance Agency Kenya Ltd?

The biggest benefit is convenience.

Instead of:

• Calling several insurers
• Repeating the same vehicle details
• Sending documents multiple times
• Trying to understand different terms alone

you can use Imana to simplify the quotation process.

Imana can help:

• Identify the correct vehicle class
• Compare available premiums
• Explain Comprehensive vs Third Party
• Clarify excesses
• Review extensions
• Coordinate policy issuance
• Assist with claims follow-up

The underwriter remains responsible for admitting and settling valid insurance claims.

Compare Motor Insurance Quotes Today

Whether you own a:

• Private car
• Pickup
• Commercial vehicle
• Taxi
• Matatu
• Bus
• School bus
• Motorcycle
• Tuk-Tuk

the best starting point is to compare suitable quotations before buying.

Start Here

Compare Motor Insurance Quotes:
https://imana.co.ke/motor-quote

Private Car Insurance:
https://imana.co.ke/car-insurance

PSV Insurance:
https://imana.co.ke/psv-insurance

Motorcycle Insurance:
https://imana.co.ke/motorcycle-insurance

Tuk-Tuk Insurance:
https://imana.co.ke/tuktuk-insurance

Imana Insurance Agency Kenya Ltd:
www.imana.co.ke

MyKava Travel & Insurance:
www.mykava.co.ke

The Bottom Line

Comparing Motor Insurance quotes in Kenya should involve more than finding the lowest premium.

Compare:

• The insurer
• Premium
• Cover type
• Excess
• Vehicle value
• Benefits
• Claims terms

Then choose the policy that gives you suitable protection.

With Imana Insurance Agency Kenya Ltd, the process is simple:

Get a quote → Submit your ID/Passport, KRA PIN and Logbook → Compare available options → Pay via M-Pesa → Receive your policy documentation.

Let Imana handle the comparison while you choose the cover that works for you.

Author:
Raymond Momanyi – Founder & CEO, Imana Insurance Agency Kenya Ltd

Motor Insurance premiums, vehicle-age requirements, excesses, extensions and underwriting conditions vary between insurers. Confirm the quotation and payment instructions before making payment, and review the policy schedule and wording after issuance.