Third Party Motor
Insurance FAQs
Everything you need to know about statutory third-party motor insurance in Kenya — from legal limits and M-Pesa premium costs to claims, NTSA integration, and instant DMVIC sticker renewal.
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Frequently Asked Questions
Find clear, legally compliant answers to help you navigate Kenya's mandatory motor insurance framework.
Third Party Only (TPO) motor insurance is the minimum statutory vehicle coverage mandated by the Kenyan Government under the Insurance (Motor Vehicles Third Party Risks) Act, Cap 405.
It legally shields you against financial liabilities resulting from an accident where your vehicle causes bodily injury, permanent disability, or death to third parties (such as pedestrians, passengers, or other motorists), as well as physical damage caused to third-party properties and infrastructure.
Yes. It is illegal to drive on any Kenyan road without at least a valid third-party motor insurance certificate. Traffic police and NTSA checkpoints verify cover in real time against the DMVIC registry.
Anyone other than you (the policyholder) and your own vehicle — including pedestrians, other motorists, passengers in other vehicles, and owners of third-party property damaged in an accident you cause.
Third Party only covers damage or injury you cause to others. Comprehensive cover adds protection for your own vehicle — including theft, fire, and accidental damage — at a higher premium.
No. Third-party cover only pays for injury or damage you cause to others. Repairs to your own vehicle after an accident are not covered under a TPO policy.
Property damage limits are set out in the Insurance (Motor Vehicles Third Party Risks) Act and vary by vehicle class. Your policy documents and certificate will state the exact limit that applies to your cover.
No. Theft, fire, and vandalism to your own vehicle are only covered under a comprehensive policy, not under third-party-only cover.
Pricing depends on your vehicle's class and use (private car, motorcycle, PSV, or commercial). Get an instant, personalised quote through the BimaDirect rate comparison tool.
Risk profiles differ by vehicle type — for example PSVs and commercial vehicles carry higher passenger/cargo exposure than private cars — so insurers price each category differently under IRA guidelines.
You'll typically need your vehicle logbook or registration details, National ID or KRA PIN, and a valid phone number for M-Pesa payment and certificate delivery.
Your DMVIC-verified certificate is generated and sent instantly after successful payment confirmation — usually within seconds, with no paperwork or branch visit required.
Ensure everyone's safety, notify the police for an abstract report, take photos of the scene, exchange details with the other party, and report the incident to your insurer as soon as possible.
Certificates are typically valid for 12 months (annual) or shorter terms, depending on the policy you choose. You can renew instantly through BimaDirect before or on your expiry date to avoid a cover gap.
Coverage at a Glance
Understanding statutory Third-Party Only (TPO) motor insurance boundaries in Kenya to avoid surprises during claim filing.
Generally Covered
Statutory third-party liabilities
- Third-party bodily injury or fatality to pedestrians, passengers, or other drivers.
- Third-party property damage including other motor vehicles, roadside structures, fences, and public street furniture.
- Emergency medical expenses for third-party victims as mandated by Kenyan traffic guidelines.
- Legal defense expenses incurred with the insurer's formal written consent.
Generally Not Covered
Policyholder first-party exclusions
- Accidental damage to your own car: Any dents, mechanical destruction, or total loss of your own car.
- Theft or carjacking: Loss or forced theft of your vehicle or vehicle parts.
- Fire damage: Electrical fire, garage blazes, or engine ignition incidents.
- Windscreen replacement & personal items: Cracks to personal windscreen, lost luggage, or car audio electronics.
Coverage is subject to specific policy terms, statutory limits, and Insurance Regulatory Authority (IRA) provisions. If you finance your vehicle through a bank or prefer comprehensive own-damage and theft protection, consider comprehensive coverage.
Getting Third Party Insurance Is Simple
Go from vehicle lookup to your valid digital sticker in under 5 minutes without visiting a physical insurance branch.
Enter Vehicle Details
Input your Kenyan registration number (e.g., KDA 456Z). Our NTSA lookup tool verifies vehicle category instantly.
Compare Available Rates
Review transparent real-time quotes side-by-side from licensed Kenyan insurers like Britam, CIC, and APA.
Pay via M-Pesa
Select your preferred underwriter and authenticate payment directly on your phone using instant M-Pesa STK Push.
Get Digital Certificate
Receive your IRA-approved, DMVIC-synced digital insurance sticker via WhatsApp and email within 3 minutes.
Ready to find the right third party insurance rate?
Compare verified quotes from licensed Kenyan underwriters and receive your official DMVIC certificate on WhatsApp today.
Still have questions?
Our Nairobi-based insurance advisors are available Monday through Saturday to guide you with vehicle logbooks, corporate fleet rates, or accident reporting.