• By Raymond Momanyi

Compare PSV Insurance Quotes in Kenya | Imana Insurance

Compare PSV insurance quotes in Kenya for matatus, taxis, Uber, Bolt, school buses, staff buses, tour vans and private hire vehicles. Learn how to buy through Imana, required documents, M-Pesa payment details and how to compare insurers.

Compare PSV Insurance Quotes in Kenya Before You Buy

PSV Insurance in Kenya is not one standard product.

A matatu, taxi, school bus, staff bus, Uber, Bolt vehicle or tour van may all fall within the wider Public Service Vehicle category, but the insurance terms can differ significantly depending on:

• Vehicle type
• Seating capacity
• Vehicle value
• Declared use
• Route
• Claims history
• Cover type
• Passenger exposure

That is why PSV owners should compare quotations before buying or renewing.

At Imana Insurance Agency Kenya Ltd, customers can submit their vehicle details once and compare available PSV Motor Insurance quotations from suitable insurance companies.

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

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

Imana:
www.imana.co.ke

MyKava:
www.mykava.co.ke

Compare the premium. Compare Passenger Legal Liability. Check the excess. Declare the correct use. Then choose.

What Does PSV Mean?

PSV means Public Service Vehicle.

It does not mean matatu only.

Depending on licensing and use, PSV categories may include:

• Matatus
• Buses
• Taxis
• Uber and Bolt vehicles
• Private hire vehicles
• School buses
• Staff buses
• Institutional buses
• Tour vans
• Shuttles

A matatu is therefore one type of PSV, not the entire PSV category.

This distinction matters because insurance should reflect the vehicle’s actual use.

Why Compare PSV Insurance Quotes?

PSV risks vary widely.

Two insurance companies can quote the same vehicle differently because they may have different:

• Premium rates
• Excesses
• Vehicle-age limits
• Passenger Legal Liability arrangements
• Windscreen benefits
• Towing benefits
• Comprehensive underwriting appetite
• Claims procedures

The cheapest quotation may not always provide the most suitable protection.

For a PSV operator, claims involving passengers can be particularly serious.

That makes policy structure just as important as price.

How to Buy PSV Insurance Through Imana

The process can be completed largely digitally.

Step 1: Request a PSV Insurance Quote

Start here:

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

You can also review:

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

Provide details such as:

• Vehicle registration number
• Make and model
• Year of manufacture
• Vehicle value
• Seating capacity
• Exact PSV use
• Preferred cover type

Accurate vehicle use is critical.

Step 2: Declare the Correct PSV Use

Do not simply say:

“It is PSV.”

Be specific.

Is it a:

• Matatu?
• Taxi?
• Uber?
• Bolt?
• School bus?
• Staff bus?
• Tour van?
• Private hire vehicle?
• Shuttle?

Insurers price these risks differently.

A school bus may not be underwritten the same way as a city matatu.

A tour van may not be treated exactly like an online taxi.

Step 3: Choose Comprehensive or Third Party PSV Insurance

PSV Insurance may generally be arranged as:

• Comprehensive
• Third Party Only

depending on insurer underwriting and vehicle type.

Comprehensive PSV Insurance

Comprehensive cover may provide broader protection including:

• Accidental damage to the insured vehicle
• Fire
• Theft
• Third-party liability
• Passenger Legal Liability
• Windscreen
• Towing
• Other selected extensions

The exact benefits depend on the insurer.

Comprehensive PSV Insurance may be particularly useful where:

• The vehicle has significant value
• The vehicle is financed
• Repair costs would seriously affect the business
• Theft risk is a concern

Third Party PSV Insurance

Third Party PSV Insurance primarily protects against eligible liability involving:

• Third parties
• Passengers
• Third-party property

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

For a PSV operator, this difference is important.

If the vehicle is damaged and you only have Third Party Insurance, the cost of your own repairs may remain yours.

Passenger Legal Liability in PSV Insurance

Passenger Legal Liability is one of the most important parts of PSV Insurance.

A PSV exists to carry passengers.

That creates an additional liability exposure.

Passenger Legal Liability may respond to eligible claims involving passenger injury or death, subject to:

• Policy wording
• Applicable limits
• Legal liability
• Insurer terms

This is one of the reasons PSV cover should never be compared using premium alone.

What Documents Are Required for PSV Insurance?

To process PSV Insurance through Imana, prepare copies of:

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

Additional documents or information may be required depending on:

• Vehicle class
• Insurer
• Comprehensive cover
• Vehicle age
• Vehicle value

For Comprehensive Insurance, the insurer may also request:

• Vehicle valuation
• Photographs
• Inspection

Why the Logbook Matters

The logbook helps confirm:

• Vehicle registration
• Ownership
• Make
• Model
• Chassis details
• Engine details

The insurance details should match the vehicle being insured.

Incorrect information can create difficulties during a claim.

How to Pay for PSV Insurance Through M-Pesa

Once the quotation is confirmed and you are ready to buy, payment can be made using the official Imana M-Pesa Paybill.

M-Pesa Payment Details

Paybill: 7596117

Account Number: Vehicle Registration Number

Example:

Paybill: 7596117
Account: KAA001A

Before paying:

• Confirm the premium
• Confirm the vehicle registration number
• Use the correct account reference
• Keep the M-Pesa confirmation message

Only use official payment instructions.

What Happens After Payment?

After:

• Documents are submitted
• The quotation is accepted
• Payment is confirmed
• Underwriting requirements are completed

the policy and digital Motor Insurance certificate can be processed.

Timing depends on:

• Insurer system availability
• Correct documents
• Payment confirmation
• Any additional underwriting requirements

Imana Compares PSV Insurance Companies in Kenya

One of the key advantages of working with an insurance intermediary is comparison.

Instead of approaching one insurer and accepting the first quotation, Imana can help review available PSV options across different underwriters.

Comparison may include:

• Premium
• Passenger Legal Liability
• Excess
• Windscreen
• Towing
• Vehicle-age limits
• Comprehensive availability
• Claims requirements

The objective should be to find the right balance between:

Price + Cover + Passenger Protection + Claims Support

Best PSV Insurance Company in Kenya: Is There One Winner?

Not necessarily.

The best insurer depends on the exact vehicle.

One insurer may be more competitive for:

• Taxis

Another may be stronger for:

• Matatus

Another may prefer:

• School buses
• Tour vans
• Staff buses

This is why a fixed “best insurer” ranking can be misleading.

The better question is:

Which insurer is currently offering suitable terms for my PSV category?

Compare Matatu Insurance Quotes in Kenya

For matatu insurance, compare:

• Comprehensive vs Third Party
• Passenger Legal Liability
• Seating capacity
• Vehicle age
• Excess
• Towing
• Claims terms

A matatu typically presents higher passenger exposure than an ordinary private vehicle.

That should be reflected in the insurance comparison.

Compare Taxi Insurance Quotes in Kenya

Taxi Insurance may apply to:

• Traditional taxis
• Yellow-line taxis
• Chauffeur-driven vehicles
• Online taxis

Compare:

• Third Party vs Comprehensive
• Passenger liability
• Vehicle value
• Vehicle age
• Driver requirements

Compare Uber and Bolt Insurance Quotes

Uber and Bolt vehicles should be insured according to their actual passenger-for-hire use.

Do not insure a vehicle as purely private if it is being used for ride-hailing.

Compare:

• Online taxi classification
• Passenger Legal Liability
• Comprehensive availability
• Excess
• Towing
• Claims terms

Compare School Bus Insurance Quotes

School buses require careful risk assessment because they transport children.

Compare:

• Comprehensive vs Third Party
• Seating capacity
• Passenger Legal Liability
• Towing
• Vehicle value
• Driver requirements

Schools should also separately consider:

• Student Personal Accident
• WIBA
• Group Personal Accident
• Public Liability

Motor Insurance alone does not cover every school risk.

Compare Staff Bus Insurance Quotes

Staff buses may be operated by:

• Companies
• NGOs
• Hospitals
• Universities
• Institutions
• Factories

The insurer may consider:

• Passenger type
• Route
• Seating capacity
• Frequency of use

A staff bus is not automatically the same risk as a public commuter matatu.

Compare Tour Van Insurance Quotes

Tour vans may operate:

• Long-distance routes
• Parks
• Lodges
• Regional cross-border trips

Compare:

• Comprehensive cover
• Passenger Legal Liability
• Road rescue
• Towing
• COMESA Yellow Card
• Territorial extensions

Tour operators should make sure cross-border use is disclosed.

Compare Private Hire Vehicle Insurance

Private hire vehicles carry passengers under pre-arranged hire rather than ordinary route-based matatu operations.

Insurance should reflect:

• Commercial passenger use
• Vehicle capacity
• Operating model
• Driver arrangements

The correct PSV classification matters during claims.

What Affects PSV Insurance Premiums?

Several factors influence PSV premiums.

Vehicle Type

Matatu, taxi, school bus and tour van risks differ.

Vehicle Age

Older PSVs may attract different insurer terms.

Vehicle Value

This is particularly important for Comprehensive cover.

Seating Capacity

More passengers may mean higher passenger liability exposure.

Vehicle Use

Uber, school bus, tour van and matatu operations are different risks.

Claims History

Frequent claims can affect underwriting terms.

Cover Type

Comprehensive generally costs more than Third Party because it protects the insured vehicle itself.

Why Declared Use Is Critical

One of the biggest mistakes a vehicle owner can make is choosing the wrong insurance class to reduce the premium.

For example:

A vehicle used as Uber or Bolt should not be insured as ordinary private use.

A tour van should not be misclassified as a simple family vehicle.

A claims investigation may consider whether the actual use matched the declared use.

Always insure honestly.

What Is Excess in PSV Insurance?

An excess is the part of an admissible claim that may remain payable by the insured.

For example:

Approved repair cost: KSh 300,000

Applicable excess: KSh 30,000

The insured may bear KSh 30,000 while the insurer considers the balance, subject to the policy.

When comparing Comprehensive PSV quotations, check the excess carefully.

Excess Protector for PSV

Some insurers may offer Excess Protector.

It may protect against specified excesses.

However, it may not automatically cover every excess.

Ask:

• Which excesses are protected?
• Which are excluded?
• Is Excess Protector included in the premium?

Windscreen Cover

For Comprehensive PSV Insurance, compare:

• Windscreen limit
• Excess
• Side-glass treatment
• Number of claims allowed

This can vary between insurers.

Towing and Road Rescue

A PSV breakdown or accident can interrupt income immediately.

Some policies may provide:

• Accident towing
• Road rescue
• Breakdown assistance

Check:

• Monetary limit
• Distance
• Number of incidents
• Whether breakdowns are included

PSV Claims Support

After an accident:

• Protect passengers
• Secure the scene
• Take photographs
• Report to the police where required
• Obtain the OB number
• Notify the insurer or intermediary promptly
• Complete the claim form
• Submit the required documents

For Comprehensive claims, the insurer may appoint an assessor before repairs are authorised.

The underwriter, not the insurance intermediary, decides whether a claim is admissible and settles the claim.

Why Compare PSV Insurance Before Renewal?

Renewal is an opportunity to reconsider:

• Current vehicle value
• Insurer pricing
• Excess
• Claims history
• Passenger liability
• Benefits
• Vehicle use

Do not simply renew because the vehicle was insured with the same company last year.

Compare again.

Related Motor Insurance Services

Imana also provides support for other motor categories.

Private Car Insurance

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

Tuk-Tuk Insurance

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

PSV Insurance

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

Motorcycle Insurance

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

Compare Motor Quotes

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

Frequently Asked Questions

Where can I compare PSV Insurance quotes in Kenya?

Start through:

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

or:

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

What documents do I need?

Prepare copies of:

• ID or Passport
• KRA PIN
• Logbook

Additional documents may be requested.

How do I pay?

Use:

M-Pesa Paybill: 7596117

Account: Vehicle registration number

Can matatus get Comprehensive Insurance?

Yes, subject to insurer underwriting.

Can Uber and Bolt vehicles get PSV Insurance?

Yes. They should be insured under an appropriate taxi or passenger-for-hire classification.

Can school buses get PSV Insurance?

Yes.

Does PSV mean matatu?

No. Matatu is one type of PSV.

Does Third Party PSV cover my own vehicle?

Not ordinarily.

What is Passenger Legal Liability?

It is insurance protection for eligible liability involving passengers, subject to policy terms.

Does Imana settle PSV claims?

No.

The underwriter settles admissible claims.

Imana can assist with documentation, communication and follow-up.

Why Use Imana Insurance Agency Kenya Ltd?

Instead of:

• Calling several insurance companies
• Sending the same documents repeatedly
• Comparing complicated policy wording alone

Imana can help simplify the process.

The team can help:

• Identify the correct PSV class
• Compare available quotations
• Explain Comprehensive vs Third Party
• Review Passenger Legal Liability
• Clarify excesses
• Coordinate issuance
• Assist with claims follow-up

Compare PSV Insurance Quotes Today

Whether you operate a:

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

compare quotations before buying.

Start Your Quote

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

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

Private Car Insurance:
https://imana.co.ke/car-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 PSV Insurance quotes in Kenya should involve more than price.

Compare:

• Vehicle classification
• Premium
• Comprehensive vs Third Party
• Passenger Legal Liability
• Excess
• Towing
• Windscreen
• Claims conditions

Then choose the policy that best matches your operation.

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

Request a quote → Submit ID/Passport, KRA PIN and Logbook → Compare available insurers → Pay through M-Pesa Paybill 7596117 using the vehicle registration number → Receive your policy documentation.

Let Imana handle the comparison while you focus on keeping your PSV moving.

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

PSV premiums, vehicle-age requirements, Passenger Legal Liability limits, excesses, Comprehensive availability and underwriting conditions vary between insurers and PSV classes. Always confirm the current quotation and review the issued policy schedule and wording.