Get covered in four simple steps.
From your vehicle registration number to your digital certificate, we've streamlined Third-Party Only (TPO) motor insurance into a fast, transparent workflow.
Tell us about your vehicle
Enter your Kenyan registration plate. We securely query vehicle specifications directly.
Compare available rates
Transparent, statutory third-party quotes with zero hidden markups from certified insurers.
Pay securely
Receive a prompt directly on your mobile device. Enter your M-Pesa PIN to finalize coverage.
Get your certificate
Receive your official digital certificate and vehicle sticker instantly on WhatsApp & Email.
What happens behind the scenes
1. Instant DMVIC & NTSA Lookup
When you input your number plate, our system makes a secure API call to confirm vehicle ownership, make, model, chassis number, and classification. No scanning or physical logbook required.
Auto-detects private car vs. commercial vs. boda boda2. Real-Time Tariff & Levy Calculation
We calculate statutory insurance premiums strictly based on IRA regulatory brackets, adding mandated Insurance Training Levy (0.2%) and Policyholders Compensation Fund levy (0.25%). No hidden brokerage fees.
100% itemized statutory transparency3. Direct Daraja M-Pesa STK Push
Your transaction initiates directly through Safaricom's Daraja API. The payment prompt appears on your phone automatically without needing to remember Paybill numbers or account codes manually.
Instant reconciliation in under 4 seconds4. Digital Certificate Generation & Push
Once payment is verified, the underwriter signs the digital sticker, which transmits to DMVIC and police verification databases. You receive the authentic PDF and QR sticker instantly on WhatsApp.
Valid immediately for roadside checksOur direct integration with the Insurance Regulatory Authority and DMVIC eliminates paper delays and guarantees immediate regulatory compliance.
Frequently Asked Questions
Everything you need to know about getting your Third-Party Motor Insurance online.
Most drivers complete the entire flow in under 4 minutes. Because vehicle records are retrieved electronically and payments are verified instantly via M-Pesa STK push, there are no manual inspection queues or document uploads required for standard Third-Party Only (TPO) covers.
No. Your number plate is enough to get a quote — we look up your vehicle's make, model, and class electronically. You'll only need the logbook details on hand if you want to double-check the registered owner information matches.
Immediately. Once payment clears, your certificate is pushed straight to the DMVIC database, so it's visible to NTSA and Police verification systems right away — no waiting period before it's valid for roadside checks.
M-Pesa STK push is the primary method — you'll get a prompt on your phone to enter your PIN. Card payments may also be available depending on the insurer you select at checkout.
Ready to get your TPO cover?
Compare available rates from licensed Kenyan insurers and get your Third-Party Motor Insurance quote online in under 5 minutes.
- Compare available options
- Secure payment
- Digital documents