• By Raymond Momanyi

Compare Motor Insurance Quotes Kenya - All Classes | Imana Insurance Agency

Compare motor insurance quotes in Kenya with Imana for private cars, commercial vehicles, PSV, motorcycles, Tuk-Tuks, school buses and COMESA cover. Review comprehensive, third-party, excess protector, PVT and claims support before buying.

Motor Insurance quotations can look deceptively simple.

One insurer may quote a lower premium. Another may charge slightly more. A third may include several benefits that are absent from the cheapest option.

That is why the right question is not simply:

“Which Motor Insurance company is cheapest?”

A better question is:

“Which quotation gives me suitable protection for my vehicle, how I use it and the financial risks I cannot comfortably carry myself?”

At Imana Insurance Agency Kenya Ltd, motorists can request and compare Motor Insurance quotations for private vehicles, commercial vehicles, PSVs, motorcycles and Tuk-Tuks. Imana’s current Motor Insurance quotation form allows customers to choose between Comprehensive, Third Party and Third Party Fire & Theft and submit details such as vehicle value, cover start date and passenger capacity. (imana.co.ke)

Useful Motor Insurance links

Motor Insurance:
https://imana.co.ke/insurance/motor-insurance

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

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

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

COMESA Yellow Card:
https://imana.co.ke/comesa-insurance

Motor Claims:
https://imana.co.ke/claims-request

Why Compare Motor Insurance Quotations?

Motor Insurance policies are not identical.

Two Comprehensive Motor quotations may differ in:

• Premium
• Basic excess
• Theft excess
• Young or inexperienced-driver excess
• Excess Protector
• Political Violence and Terrorism cover
• Windscreen limit
• Courtesy car
• Road rescue
• Passenger liability
• Territorial limits
• Claims procedures

Imana’s current Motor Insurance pages distinguish Comprehensive, Third Party Only and other vehicle classes, while its quotation form allows customers to submit the same core vehicle information for quotation purposes. (imana.co.ke)

The purpose of comparison is therefore to evaluate:

Price + Benefits + Excesses + Exclusions + Vehicle Use + Claims Support

Comprehensive Motor Insurance in Kenya

Comprehensive Motor Insurance generally provides the broadest standard level of vehicle protection.

Depending on the policy and insurer, it may cover:

• Accidental damage
• Collision
• Fire
• Theft
• Flood
• Third-party liabilities
• Other insured risks and extensions

Imana currently describes Comprehensive Motor Insurance as protecting against accidents, fire, theft, floods and third-party liabilities, subject to policy terms. (imana.co.ke)

Comprehensive cover may be particularly important where:

• The vehicle has a significant market value
• The vehicle is financed
• Repair costs would create financial pressure
• The vehicle is essential for business or family use
• Theft or accidental damage is a major concern

However:

Comprehensive does not mean every possible loss is covered without conditions.

The policy may still contain:

• Excesses
• Exclusions
• Security requirements
• Driver restrictions
• Valuation conditions
• Territorial limits

Third-Party Motor Insurance in Kenya

Third-Party Only Insurance provides the basic liability protection required for vehicles used on Kenyan roads.

It primarily responds to eligible claims involving:

• Third-party bodily injury
• Third-party death
• Third-party property damage

It does not ordinarily pay for accidental damage to your own vehicle.

Imana’s published Third-Party guidance specifically notes that Third Party Only does not cover accidental damage, theft or fire affecting the insured vehicle. (imana.co.ke)

Third Party Insurance may be suitable where:

• The vehicle has a relatively low market value
• The owner can finance repairs personally
• The priority is basic statutory protection
• Comprehensive cover is not economical for the vehicle

Third Party Fire & Theft

Third Party Fire & Theft sits between basic TPO and Comprehensive Insurance.

It may provide:

• Third-party liability
• Fire protection
• Theft protection

while excluding ordinary accidental collision damage to the insured vehicle.

Imana’s motor quotation system currently lists Third Party Fire & Theft as one of the available quote categories. (imana.co.ke)

This option may appeal to motorists who want more than basic Third Party Insurance without moving to full Comprehensive cover.

Private Vehicle Insurance in Kenya

Private Motor Insurance is intended for cars used primarily for:

• Personal use
• Family use
• Social activities
• Normal commuting

A privately insured vehicle should not be used for undeclared commercial purposes such as:

• Taxi services
• Paid passenger transport
• Delivery work
• Tour operations

Imana’s Motor Insurance material distinguishes private, commercial, PSV, motorcycle and Tuk-Tuk vehicle classes, reinforcing the importance of choosing the correct use category. (imana.co.ke)

Incorrect classification can create serious problems during a claim.

Commercial Vehicle Insurance in Kenya

Commercial Motor Insurance applies to vehicles used for business activities.

Examples may include:

• Delivery vans
• Pickups
• Trucks
• Goods-carrying vehicles
• Company fleets
• Special-type vehicles

Commercial risks can differ substantially from private-car risks because the vehicle may:

• Travel more kilometres
• Carry goods
• Operate for longer hours
• Be driven by multiple employees
• Face different accident exposures

The insurer therefore needs accurate information about the vehicle’s actual business use.

Imana currently lists commercial vehicles among its Motor Insurance categories and quotation options. (imana.co.ke)

PSV Insurance in Kenya

PSV Insurance applies to vehicles used to carry passengers for hire or reward.

These may include:

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

Imana’s current PSV page provides quotation options for taxis, online taxis, matatus, buses, school buses, staff buses, shuttles and tour vans. (imana.co.ke)

Why PSV Insurance needs special attention

Passenger transport creates additional exposure involving:

• Passenger injury
• Higher annual mileage
• Multiple trips
• Commercial driving
• Driver changes
• Seating capacity

A car used for Uber or Bolt should therefore not ordinarily be insured as a purely private-use vehicle.

Motorcycle Insurance in Kenya

Motorcycles should also be insured according to their actual use.

Common categories include:

• Private motorcycles
• Commercial delivery motorcycles
• PSV motorcycles or boda bodas

Imana’s published motorcycle guidance distinguishes these categories and warns that incorrect classification may expose the owner during a claim. (Imana)

Private motorcycle

Used mainly for:

• Personal errands
• Leisure
• Commuting

Commercial motorcycle

Used for:

• Delivery work
• Courier services
• Business operations

PSV motorcycle

Used to carry fare-paying passengers.

A boda boda motorcycle should not be insured under a private-use classification.

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

Tuk-Tuk Insurance in Kenya

Tuk-Tuks may operate as:

• Private vehicles
• Commercial vehicles
• Passenger-service vehicles

The insurance class must match the use.

Imana currently lists Tuk-Tuk Insurance as part of its Motor Insurance product range. (imana.co.ke)

For a passenger-carrying Tuk-Tuk, the quotation should reflect:

• Commercial passenger use
• Seating capacity
• Driver requirements
• Passenger liability

School Bus Insurance in Kenya

School buses require correct passenger-vehicle classification.

The policy should consider:

• Vehicle value
• Seating capacity
• Passenger liability
• Driver requirements
• Comprehensive or Third Party cover
• Claims procedures

Imana currently lists School Bus cover within its Motor and PSV Insurance offerings. (imana.co.ke)

Schools should also consider separate protection such as:

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

because Motor Insurance does not replace the school’s complete risk-management programme.

COMESA Yellow Card Insurance

The COMESA Yellow Card is important for motorists travelling across participating regional countries.

It principally provides recognised third-party Motor Insurance protection across participating jurisdictions.

Imana currently provides COMESA Yellow Card information and quotation support as part of its motor and cross-border insurance offering. (imana.co.ke)

It may be relevant to:

• Private motorists
• Commercial vehicles
• Tour vehicles
• Motorcycles
• Cross-border transport businesses

However:

The COMESA Yellow Card should not automatically be treated as Comprehensive own-damage insurance for your vehicle outside Kenya.

Ask whether the underlying Comprehensive policy requires a territorial extension.

COMESA Yellow Card:
https://imana.co.ke/comesa-insurance

What Is Excess Protector?

An insurance excess is the amount or percentage that the policyholder may be required to bear during an admissible claim.

Excess Protector is an optional extension intended to protect against specified excess amounts.

It can reduce the amount a motorist may have to pay personally after an eligible claim.

But it may not protect every excess.

Ask whether it includes:

• Basic excess
• Young-driver excess
• Inexperienced-driver excess
• Theft excess
• Total-loss excess

Imana’s recent motor-insurance content specifically highlights Excess Protector as an important item to compare across quotations. (imana.co.ke)

What Is PVT Motor Insurance?

PVT generally refers to Political Violence and Terrorism cover.

It may be purchased as an extension where available to protect against specified losses arising from:

• Political violence
• Terrorism
• Riots
• Civil commotion
• Related malicious acts

depending on the policy wording.

PVT should be checked separately rather than assumed to be automatically included in every Comprehensive quotation.

When comparing Motor Insurance, ask:

Does this quotation include PVT or is it an additional premium?

Why Vehicle Valuation Matters

For Comprehensive Motor Insurance, the vehicle’s value is a key underwriting factor.

A professional valuation can help establish:

• Current market value
• Vehicle condition
• Existing damage
• Accessories
• Modifications

Imana’s motor quotation form asks for vehicle value and related details when preparing quotations. (imana.co.ke)

Underinsurance

If the vehicle is insured below an appropriate value, the policyholder may face:

• Reduced settlement
• Average-condition adjustments
• Insufficient total-loss compensation

Overinsurance

Insuring the vehicle at an inflated value does not automatically guarantee an inflated claim payment.

The objective should be an accurate and defensible value.

Motor Insurance Claims in Kenya

The real test of Motor Insurance comes when a claim occurs.

Imana provides an online claims-notification facility where customers can report Motor Insurance claims and provide vehicle, accident and policy information. (imana.co.ke)

What to do after an accident

1. Check for injuries

Arrange emergency assistance where necessary.

2. Secure the scene

Use hazard lights and reflective warning signs where safe.

3. Take photographs

Capture:

• Vehicle positions
• Registration plates
• Damage
• Road conditions
• Third-party property

4. Exchange information

Record:

• Driver names
• Telephone numbers
• Vehicle registration details
• Insurance information
• Witness contacts

5. Report to the police

Obtain the required police documentation.

6. Notify Imana or the insurer

Do this promptly.

7. Avoid unauthorised repairs

The insurer may require assessment before repairs begin.

8. Keep all documents

Maintain:

• Police records
• Photographs
• Claim forms
• Repair estimates
• Correspondence

Report a Claim:
https://imana.co.ke/claims-request

What Should You Compare Between Motor Insurance Quotes?

Before selecting a quotation, review:

Premium

What is the total amount payable?

Vehicle value

Is the sum insured realistic?

Excess

How much could you have to pay personally?

Excess Protector

Which excesses are protected?

PVT

Is Political Violence and Terrorism included?

Windscreen limit

How much is available for glass damage?

Courtesy car

Is temporary replacement transport provided?

Road rescue

Does the policy provide towing or breakdown assistance?

Passenger liability

Is it suitable for the vehicle’s use?

Territorial limits

Does the cover operate only in Kenya or beyond?

COMESA

Is cross-border third-party cover required?

Claims process

How and where is a claim reported?

A slightly higher premium may provide substantially better value if it reduces your financial exposure during a claim.

Why the Cheapest Motor Insurance Quote May Not Be the Best

Suppose:

Quote A

Lower premium, but:

• Higher excess
• No PVT
• No Excess Protector
• Small windscreen limit
• No road rescue

Quote B

Slightly higher premium, but:

• Excess Protector included
• PVT included
• Better windscreen protection
• Road rescue available

Quote A may look cheaper when buying the policy.

Quote B may offer better value when a loss occurs.

This is why Motor Insurance should be compared on the whole policy, not the premium alone.

How to Request a Motor Insurance Quote from Imana

Imana’s current online Motor Insurance quotation form allows customers to choose the vehicle and cover type and provide underwriting information such as vehicle value, passengers and cover commencement date. (imana.co.ke)

Prepare:

• National ID or passport
• KRA PIN
• Vehicle logbook
• Registration number
• Make and model
• Year of manufacture
• Vehicle value
• Vehicle use
• Passenger capacity
• Claims history
• Preferred cover type

For Comprehensive cover, the insurer may also require:

• Valuation
• Photographs
• Inspection

Get a Motor Insurance Quote Online in Kenya

Private Car Insurance

Compare:

• Comprehensive
• Third Party
• Third Party Fire & Theft

Commercial Motor

Request terms based on:

• Vehicle use
• Value
• Cargo or operations
• Driver details

PSV

Compare cover for:

• Taxis
• Online taxis
• Matatus
• Buses
• School buses
• Tour vans

Motorcycle

Choose the correct class:

• Private
• Commercial
• PSV

Tuk-Tuk

Declare whether it is:

• Private
• Commercial
• Passenger carrying

Request your quotation

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

Why Compare Motor Insurance Through an Intermediary?

A dedicated insurance intermediary can help motorists:

1. Identify the correct insurance class.
2. Prepare accurate underwriting information.
3. Compare available quotations.
4. Explain excesses.
5. Review extensions.
6. Check vehicle valuation.
7. Coordinate certificate issuance.
8. Assist during claims.
9. Review the policy at renewal.

Imana’s Motor Insurance pages position the agency around comparison, quotation support and assistance across multiple motor categories.

Frequently Asked Questions About Motor Insurance Quotes in Kenya

Can I compare Motor Insurance quotes before buying?

Yes. Comparing quotations allows you to review premium, cover, excesses and extensions before choosing a policy.

What information do I need for a Motor Insurance quote?

You may need:

• Vehicle registration
• Logbook
• Vehicle value
• Make and model
• Year
• Intended use
• Passenger capacity
• Preferred cover type

Imana’s motor quotation form collects several of these details.

Is Comprehensive Insurance better than Third Party?

It depends on the vehicle and your financial position.

Comprehensive provides broader own-damage protection, while Third Party mainly protects against eligible liability to others.

Does Third Party Insurance cover my own car?

Not ordinarily. It does not normally pay for accidental damage, theft or fire affecting your own vehicle. (imana.co.ke)

Can Uber and Bolt cars use private insurance?

They should be insured under an appropriate commercial passenger or PSV classification.

Can school buses get Comprehensive Insurance?

Yes, subject to insurer underwriting. Imana lists school buses within its PSV and Motor Insurance offerings. (imana.co.ke)

Can motorcycles obtain Motor Insurance?

Yes. Imana provides dedicated Motorcycle Insurance services for different motorcycle uses.

Can Tuk-Tuks be insured?

Yes. Imana lists Tuk-Tuk cover among its motor products.

What is Excess Protector?

It is an optional extension intended to protect against specified policy excesses.

What is PVT?

PVT refers to Political Violence and Terrorism protection, subject to the policy wording and insurer terms.

Do I need COMESA Insurance?

If you intend to drive across participating regional countries, a COMESA Yellow Card may be relevant for recognised third-party protection. Imana currently offers COMESA quotation guidance.

Can Imana assist with Motor Insurance claims?

Yes. Imana provides an online claims-notification form for Motor Insurance claims.

Compare Motor Insurance Quotes with Imana Insurance Agency Kenya Ltd

Whether you own:

• A private car
• Commercial vehicle
• Taxi
• Matatu
• Bus
• School bus
• Motorcycle
• Tuk-Tuk
• Tour vehicle
• Fleet

the first step is to ensure the quotation reflects the vehicle’s actual use.

Then compare:

• Comprehensive versus Third Party
• Premium
• Vehicle value
• Excess
• Excess Protector
• PVT
• Passenger liability
• Windscreen
• Road rescue
• Territorial cover
• Claims support

Do not buy a Motor Insurance quotation because it is the cheapest. Buy because you understand what it covers, what it excludes and what you may still have to pay when a claim occurs.

Get a Free Motor Insurance Quote

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

Motor Insurance:
https://imana.co.ke/insurance/motor-insurance

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

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

COMESA Yellow Card:
https://imana.co.ke/comesa-insurance

Motor Claims:
https://imana.co.ke/claims-request

Visit Imana Insurance Agency in Westlands, Nairobi

Imana Insurance Agency Kenya Ltd
4th Floor, Krishna Centre
Woodvale Grove, Westlands
Nairobi, Kenya

Website:
https://imana.co.ke

MyKava Travel & Insurance:
https://mykava.co.ke

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

Learn. Compare. Get a Quote. Buy. Claim. Renew—with Imana.

Compare the premium. Compare the benefits. Understand the excess. Declare the correct vehicle use. Insure wisely.

Motor Insurance premiums, excesses, extensions, valuation requirements, vehicle classifications and underwriting terms vary between insurers. Obtain current written quotations and review the policy schedule and wording before purchasing cover.