• By Raymond Momanyi

Third Party Matatu Insurance Kenya | 2026 Seat Rates

How much is Third Party Matatu Insurance in Kenya? See observed annual, 30-day, 14-day and 7-day PSV TPO rates by seating capacity, including KSh 88,357 for a 14-seater. Compare live quotes through Imana.

Get a live Motor Insurance quote:
https://imana.co.ke/motor-quote

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

MyKava:
www.mykava.co.ke

How Much Is Third Party Matatu Insurance in Kenya?

Third Party Matatu Insurance in Kenya is generally priced according to the vehicle's passenger seating capacity, rather than the vehicle's market value.

That is different from Comprehensive PSV Insurance, where the insured vehicle value becomes an important pricing factor.

On the current PSV Third Party capacity card supplied for this guide:

• 7-seater PSV: KSh 70,025 annually
• 14-seater Matatu: KSh 88,357 annually
• 25-seater PSV: KSh 122,493 annually
• 33-seater PSV: KSh 156,123 annually
• 45-seater PSV: KSh 229,377 annually
• 50-seater PSV: KSh 245,761 annually

The supplied card therefore establishes KSh 88,357 per year as the observed annual Third Party rate for a 14-seater on this specific quotation structure.

These are observed quotation-card figures, not universal statutory tariffs or guaranteed premiums. Final pricing and acceptance remain subject to the appointed insurer.

How Much Is Third Party Insurance for a 14-Seater Matatu?

On the supplied rate card:

14-Seater Matatu Annual Third Party Insurance: KSh 88,357

Short-term options are also shown.

For a 14-seater:

30 days: KSh 8,191

14 days: KSh 4,750

7 days: KSh 2,750

Annual: KSh 88,357

The supplied rate card also shows instalment options for the annual policy.

For a current quotation based on your specific vehicle:

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

Why Is 14-Seater Matatu Insurance KSh 88,357 Instead of Private-Car Rates?

A Matatu is a passenger-carrying Public Service Vehicle.

It therefore presents a very different risk from an ordinary private car.

A private vehicle may carry a small number of family members or passengers and generally has lower road utilisation.

A Matatu may:

• Carry paying passengers throughout the day
• Make numerous daily trips
• Operate on busy routes
• Carry substantially more passengers
• Spend more time on the road

The potential passenger-liability exposure is therefore significantly higher.

That is why a Matatu should never be priced using a private-car Third Party rate.

Matatu Third Party Insurance Is Based Mainly on Seats

For Third Party Matatu Insurance, the main rating factor on the supplied card is licensed passenger capacity.

The principle is simple:

More passenger seats generally mean greater liability exposure and a higher Third Party premium.

For example:

A 7-seater PSV is shown at KSh 70,025 annually.

A 14-seater rises to KSh 88,357.

A 25-seater rises to KSh 122,493.

A 33-seater is KSh 156,123.

A 50-seater reaches KSh 245,761.

The important figure is the official seating capacity applicable to the vehicle, not simply the informal name used by operators.

The supplied card specifically warns that licensed passenger seats should be used where the logbook or PSV records show a different capacity.

7-Seater PSV Third Party Insurance Rate

For a 7-seater passenger vehicle, the supplied rate card gives:

30 days: KSh 6,305

14 days: KSh 3,786

7 days: KSh 2,150

Annual: KSh 70,025

This may apply to smaller passenger vehicles depending on the actual PSV classification and insurer acceptance.

10-Seater PSV Third Party Insurance Rate

For a 10-seater:

30 days: KSh 7,114

14 days: KSh 4,324

7 days: KSh 2,400

Annual: KSh 78,755

The rate increases with passenger capacity.

14-Seater Matatu Third Party Insurance Rate

For a 14-seater:

30 days: KSh 8,191

14 days: KSh 4,750

7 days: KSh 2,750

Annual: KSh 88,357

This is one of the most important reference points for Kenyan Matatu owners because the 14-seater is a common PSV category.

18-Seater PSV Third Party Insurance Rate

For an 18-seater:

30 days: KSh 9,185

14 days: KSh 5,493

7 days: KSh 3,100

Annual: KSh 102,062

25-Seater Matatu or PSV Third Party Insurance

For a 25-seater:

30 days: KSh 10,985

14 days: KSh 6,665

7 days: KSh 3,700

Annual: KSh 122,493

The supplied card shows a significant increase between 14 and 25 seats because the passenger exposure increases.

33-Seater Bus Third Party Insurance

For a 33-seater PSV:

30 days: KSh 13,945

14 days: KSh 8,370

7 days: KSh 5,150

Annual: KSh 156,123

The 33-seater rate is therefore substantially higher than the 14-seater rate.

45-Seater PSV Third Party Insurance

For a 45-seater:

30 days: KSh 20,398

14 days: KSh 12,225

7 days: KSh 9,800

Annual: KSh 229,377

50-Seater Bus Third Party Insurance

For a 50-seater:

30 days: KSh 21,872

14 days: KSh 13,123

7 days: KSh 10,350

Annual: KSh 245,761

This is the highest seating capacity shown on the supplied card.

Can You Buy Matatu Insurance for 30 Days?

Yes, the supplied rate structure includes a 30-day Third Party option.

For example:

A 14-seater is shown at:

KSh 8,191 for 30 days

A 25-seater:

KSh 10,985 for 30 days

A 33-seater:

KSh 13,945 for 30 days

A 50-seater:

KSh 21,872 for 30 days

Availability should still be confirmed with the insurer before purchase.

Can You Buy Matatu Insurance for 14 Days?

The supplied card also includes a 14-day option.

For a 14-seater:

KSh 4,750

For a 25-seater:

KSh 6,665

For a 33-seater:

KSh 8,370

These short-period options should not be confused with an annual policy paid monthly.

Can You Buy Matatu Insurance for 7 Days?

The supplied card includes 7-day Third Party Insurance.

For a 14-seater:

KSh 2,750

For a 25-seater:

KSh 3,700

For a 33-seater:

KSh 5,150

Short-period insurance may be useful where the vehicle requires temporary compliant cover, subject to insurer terms.

Short-Term Matatu Insurance Is Not the Same as a Discounted Annual Policy

A 7-day, 14-day or 30-day certificate covers a shorter period.

It should not be assumed that buying repeated short-term covers will cost the same as or less than purchasing an annual policy.

The supplied material specifically describes short-period options as time-on-risk cover rather than a discount on annual insurance.

Can Third Party Matatu Insurance Be Paid in Instalments?

The supplied quotation card shows annual-premium structures split over:

• 3 instalments
• 6 instalments
• 9 instalments
• 10 instalments

For a 14-seater, the card shows:

Annual lump sum: KSh 88,357

3 instalments: KSh 30,012 per instalment

6 instalments: KSh 15,316 per instalment

9 instalments: KSh 10,387 per instalment

10 instalments: KSh 8,836 per instalment

The exact payment terms must be confirmed with the quoting insurer.

Does Paying in Instalments Change the Total Premium?

It can.

For example, on the supplied 14-seater card:

Three instalments of KSh 30,012 total approximately:

KSh 90,036

compared with an annual lump sum of:

KSh 88,357

The 10-instalment figure of KSh 8,836 totals approximately KSh 88,360.

The payment structure therefore needs to be read carefully rather than assuming every instalment arrangement has the same total cost.

What Does Third Party Matatu Insurance Cover?

Third Party Matatu Insurance is designed to respond to eligible liabilities arising from operation of the insured PSV.

Depending on the policy and applicable legal framework, this may include liability for:

• Death
• Bodily injury
• Third-party property damage
• Passenger liability where provided under the policy

The precise limits and terms appear in the issued insurance documentation.

Does Third Party Matatu Insurance Cover Passengers?

Passenger liability is a central issue for PSV insurance.

Because a Matatu transports fare-paying passengers, the quotation and policy should properly reflect passenger exposure.

When comparing quotations, verify:

• Passenger Legal Liability
• Per-passenger limits where applicable
• Per-occurrence limits
• Seating capacity

Never under-declare passenger capacity to obtain a lower premium.

Does Third Party Insurance Repair the Matatu?

No.

Third Party Only Insurance does not ordinarily pay for accidental damage to the insured Matatu itself.

If the Matatu:

• Hits another vehicle
• Overturns
• Is severely damaged

Third Party Only Insurance will not ordinarily fund repair of your own vehicle.

For own-damage protection, compare Comprehensive PSV Insurance.

The supplied rate card makes this distinction explicitly.

Does Third Party Matatu Insurance Cover Theft?

No, Third Party Only does not ordinarily compensate the Matatu owner if the insured Matatu itself is stolen.

Broader own-vehicle risks require wider cover such as Comprehensive Insurance, subject to policy terms.

Does Third Party Matatu Insurance Cover Fire?

Third Party Only does not ordinarily pay for fire damage to your own Matatu.

Again, that requires a wider cover arrangement where available.

Third Party vs Comprehensive Matatu Insurance

Third Party and Comprehensive Matatu Insurance should not be confused.

Third Party Matatu Insurance

Primarily protects against specified third-party liabilities.

Pricing is strongly influenced by:

• PSV class
• Seating capacity

Comprehensive Matatu Insurance

Adds potential protection for the Matatu itself against risks such as:

• Accidental damage
• Theft
• Fire

subject to policy terms.

For Comprehensive cover, the vehicle's market value becomes much more important.

Is a 14-Seater Really a Matatu?

In common Kenyan usage, yes.

However, for insurance pricing, what matters most is the official vehicle classification and passenger capacity.

Do not rely only on:

“Everyone calls it a 14-seater.”

Check what appears in:

• Logbook
• PSV licence
• Relevant NTSA records

The supplied pricing guide explicitly recommends rating according to the licensed passenger seats.

Why Should Seating Capacity Be Accurate?

Suppose the insurance application says the vehicle has 14 passenger seats but the official records show a higher capacity.

That discrepancy can create problems.

Accurate seating capacity helps ensure:

• Correct premium
• Correct certificate class
• Appropriate passenger exposure
• Cleaner claims handling

Do not reduce declared seating simply to lower the premium.

Why a Matatu Cannot Use Private Car Insurance

A Matatu is operated for passenger transport.

A private-car policy is intended for a different use.

Even if a private-car premium appears much cheaper, it is not an appropriate substitute for correct PSV cover.

The insurance should always match the vehicle's actual use.

What Other Insurance Might a Matatu Business Need?

Third Party Matatu Insurance does not cover every business risk.

A Matatu operator may separately need to consider:

• Comprehensive Motor Insurance
• WIBA for employees
• Group Personal Accident
• Other relevant business protection

The supplied rate card specifically notes that WIBA for drivers and conductors is a separate employee-related cover.

WIBA for Matatu Drivers and Conductors

A driver's or conductor's employment-related injury exposure is not the same as the Matatu's Third Party Motor Insurance.

If the driver or conductor is an employee, the employer should separately consider applicable WIBA obligations.

Motor Insurance protects motor-related exposures.

WIBA deals with qualifying employee workplace injury exposure.

What Documents Are Needed for Matatu Insurance?

The supplied quotation guide lists typical documents and information including:

• Logbook
• National ID
• KRA PIN
• PSV licence or relevant NTSA records
• Correct seating capacity
• Previous insurance certificate where renewing

Additional documents may be requested depending on insurer underwriting.

How to Get a Matatu Insurance Quote Online

Start at:

Compare Matatu Insurance Quotes

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

Provide:

• Registration number
• Seating capacity
• Vehicle details
• Correct PSV use
• Cover period required

You can then compare the available quotation before choosing cover.

Why Compare Matatu Insurance Through Imana?

Matatu Insurance is more specialised than ordinary private Motor Insurance.

Imana Insurance Agency Kenya Ltd can assist PSV owners in:

• Identifying the correct class
• Confirming seating capacity
• Comparing available insurer quotations
• Comparing annual vs short-term options
• Understanding payment structures
• Coordinating policy placement
• Supporting claims communication

The insurer remains responsible for underwriting and settling admissible claims.

Frequently Asked Questions

How much is Third Party Insurance for a 14-seater Matatu in Kenya?

On the supplied current rate card:

KSh 88,357 annually

The 30-day option is:

KSh 8,191

The card also shows 14-day and 7-day options.

How much is a 25-seater PSV annually?

On the supplied rate card:

KSh 122,493

How much is a 33-seater PSV annually?

KSh 156,123

How much is a 50-seater PSV annually?

KSh 245,761

Can I get one-month Matatu Insurance?

The supplied card includes a 30-day option.

For a 14-seater it is:

KSh 8,191

subject to current insurer acceptance.

Can I get seven-day Matatu Insurance?

The supplied card includes seven-day options.

For a 14-seater:

KSh 2,750

Can I pay Matatu Insurance in instalments?

The supplied card shows 3-, 6-, 9- and 10-instalment structures. Confirm the current arrangement with the insurer before purchase.

Does Third Party Matatu Insurance repair my own vehicle?

No. Own-vehicle accidental damage ordinarily requires Comprehensive cover.

Can I insure a Matatu as a private vehicle?

The insurance should reflect its actual passenger-for-hire use. A Matatu should be placed in the correct PSV class.

How Much Is Third Party Matatu Insurance in Kenya? Final Answer

Third Party Matatu Insurance is primarily a passenger-capacity-rated PSV product.

On the supplied current quotation card:

7 seats: KSh 70,025 annually

14 seats: KSh 88,357 annually

25 seats: KSh 122,493 annually

33 seats: KSh 156,123 annually

45 seats: KSh 229,377 annually

50 seats: KSh 245,761 annually

The card spans annual TPO pricing from KSh 70,025 for 7 seats to KSh 245,761 for 50 seats.

For the common 14-seater Matatu, the key current observed figure is:

KSh 88,357 per year

with shorter options including:

30 days: KSh 8,191
14 days: KSh 4,750
7 days: KSh 2,750

These figures should be reconfirmed through a live quotation because insurer acceptance, charges and terms can change.

See Current Third Party Matatu Rates

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

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

MyKava:
www.mykava.co.ke

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

The rates above reproduce the observed PSV Third Party capacity card supplied for this article. They are not a statutory tariff, binding invoice or guarantee of insurer acceptance. Verify the vehicle's correct passenger capacity, PSV class, final premium and issued certificate before operating the vehicle.