Third-Party Motor Insurance. Made Simple.
Get a third-party motor insurance quote in minutes. Compare available rates from leading Kenyan insurers, pay securely online, and get your digital certificate without the paperwork.
- Instant Quotes
- Multiple Insurers
- M-Pesa Direct
- Digital SMS/PDF
Get your TPO cover
Instant e-CertificateWhy buy your Third-Party Cover online?
A digital-first platform built to eliminate insurance queues, paperwork, and broker markups across Kenya.
Compare
See available rates and policy highlights from licensed Kenyan insurers in one transparent screen.
Transparent pricingFast
Get your official motor insurance certificate in under 5 minutes without driving to an agency office.
Save 2+ hoursSecure
Make payments directly via safe channels like M-Pesa STK push, Pesalink, or major bank cards.
Instant M-Pesa receiptDigital
Receive valid DMVIC digital stickers sent straight to WhatsApp, SMS, and your inbox for immediate printing.
Instant road complianceGet your Third-Party Insurance quote
Tell us about your vehicle and we'll find the available Third-Party Only (TPO) insurance options for you.
Verification will be completed during the policy issuance process.
- Secure payment
- Digital policy
- Transparent pricing
Compare your Third-Party Insurance options
We've found available TPO options for your vehicle. Compare premiums and select the cover that works for you.
Premiums shown are indicative and subject to insurer confirmation, underwriting and applicable statutory charges.
Complete your payment
Review your policy details and make a secure payment.
Policy Summary
- Insurer
- —
- Cover
- Third Party Only
- Vehicle
- —
- Registration
- —
- Policy Period
- 12 Months
- Premium
- —
- Statutory charges
- —
- Total
- —
Payment Details
You're covered!
Your Third-Party Motor Insurance policy has been successfully issued.
- Insurer
- —
- Policy Number
- —
- Vehicle
- —
- Registration
- —
- Cover
- Third Party Only
- Start Date
- —
- Expiry Date
- —
- Premium Paid
- —
This is a demo preview for prototyping purposes and is not a valid or legally issued insurance certificate.
Your policy documents have been sent to your phone/email.
Renewal reminders will be sent before your policy expires.
- Renewal notifications
- Policy support
- Access your documents anytime
Manage your policy online
Access your certificate, policy details and renewal options anytime.
My Policy Demo dashboard
- Policy Number
- —
- Vehicle
- —
- Registration
- —
- Status
- Active
- Expires
- —
Cover for the vehicle you drive
Tailored Third-Party Only (TPO) insurance packages for every vehicle category operating on Kenyan roadways.
Private Cars
From KSh 6,500 / yr
Third-party cover for personal saloons, hatchbacks, crossovers, and SUVs. Compliant with traffic checks nationwide.
Find the right coverMotorcycles
From KSh 3,200 / yr
Mandatory third-party cover for private bikes and registered boda boda riders with passenger legal liability options.
Find the right coverPSV Vehicles
From KSh 9,000 / yr
Third-party cover customized for ride-hailing drivers (Uber/Bolt/Little), standard taxis, matatus, and tour vans.
Find the right coverCommercial
From KSh 11,500 / yr
Dependable coverage for pickups, delivery vans, box trucks, tippers, and heavy commercial fleet logistics.
Find the right coverWhat is Third-Party Motor Insurance?
Third-party insurance protects you against your legal liability to other people when your vehicle is involved in an incident. In Kenya, holding valid TPO insurance is strictly mandatory by law under the Insurance (Motor Vehicles Third Party Risks) Act (Cap 405).
Third-Party Bodily Injury
Protection against qualifying legal liability for injury or fatal harm caused to pedestrians, passengers, or other motorists in an accident.
Third-Party Property Damage
Coverage against eligible accidental damage caused to another person's vehicle, road infrastructure, storefront, or residential boundary wall.
Legal Liability Defense
Covers qualifying legal defense costs and statutory advocate representation expenses arising from civil court suits related to insured road mishaps.
Need a deep dive into statutory limits and terms?
Read our complete motorist guide to Kenya's 2025 motor insurance regulations and DMVIC lookup.
Insure your vehicle in 4 simple steps
From quote calculation to official digital insurance sticker in your hands without leaving your home.
Enter Details
Input your vehicle registration number and specify your category (private, commercial, or boda boda).
Compare Rates
See side-by-side annual rates from Kenya's leading authorized underwriters and choose what fits.
Pay via M-Pesa
Confirm your phone number for an instant M-Pesa STK PIN prompt. Fully automated and secure.
Get Covered
Your official DMVIC sticker is transmitted via WhatsApp, SMS link, and PDF email instantly.
Insurance without the insurance runaround.
We've simplified third-party motor insurance so you can spend less time dealing with paperwork, long queues, and broker follow-ups, and more time getting on the road.
Start Your Quote NowNo Queues
Buy online 24/7 from anywhere in Kenya without visiting branch offices or queuing during rush hours.
Less Paperwork
100% digital application and certificate issuance. No carbon-copy forms or messy stamp pads required.
Transparent Pricing
See exact statutory rates and official policy limits upfront. Never pay inflated middleman fees again.
Multiple Options
Compare valid policies from Kenya's highest-capitalized underwriters licensed and monitored by the IRA.
Frequently asked questions
Everything you need to know about Kenya Third-Party Motor Cover.
Third-party motor insurance covers your legal liability to other people if your vehicle is involved in an accident — including injury to others and damage to their property. It's the minimum cover required by law to drive in Kenya.
Yes. Holding at least third-party motor insurance is a legal requirement for every vehicle on Kenyan roads under the Insurance (Motor Vehicles Third Party Risks) Act (Cap 405). Driving without valid cover is an offence.
Premiums vary depending on your vehicle category and use (private, commercial, PSV, motorcycle, etc.) and the insurer you choose. Start a quote to compare current rates from participating underwriters for your specific vehicle.
We cover private cars, motorcycles and boda bodas, PSV vehicles (taxis, ride-hailing, matatus), and commercial vehicles including vans, trucks, and fleet units.
Yes. Once your application and payment are processed, your policy documents and digital certificate are issued by the underwriting insurer and sent to you electronically — no branch visit required.
Standard third-party policies run for 12 months from your start date. You'll receive a renewal reminder before your cover expires.
No. Third-Party Only (TPO) cover pays for qualifying injury or damage you cause to other people and their property — it does not cover repairs to your own vehicle. For that, you'd need a comprehensive policy.
Ready to get on the road?
Get your Third-Party Motor Insurance quote in 2 minutes, pay securely via M-Pesa, and drive with complete confidence today.
- Fast
- Simple
- 100% Digital
- IRA Regulated