There are more than 54 registered insurance companies in Kenya, a majority of which offer car insurance cover. Insurance is not such a popular culture amongst us Kenyans but a majority of car owners know pretty well how important it is to have an insured car.
The Insurance Regulatory Authority of Kenya clearly states that it is a criminal offence for anyone to own a car without valid insurance, just in case. Insuring a car is essential especially for damages like during accidents or in case of theft.
Below are some of the best car insurance companies in Kenya.
1. Britam Insurance Kenya
Britam insurance is one of the best car insurance companies in Kenya. Britam has deep roots across the region like in Uganda, Tanzania, Malawi, South Sudan, Rwanda, and Mozambique.
Their car insurance covers you against;
-Accidental loss or damage to the vehicle
-Emergency Medical Expenses to driver or passengers or pedestrians after an accident
2. CIC Insurance
Co-operative Insurance Company provides world-class car insurance.CIC has over time created customized products for its clients that have cemented its position in Kenya and the East African region as a trusted insurance and financial services provider. Some of the benefits of their car insurance are;
-Personal Accident Cover for the family & one indoor employee.
-Trauma Counseling for persons involved in an incident
-Replacement of Lost Car Keys
-24hr roadside assistance services countrywide
3. APA Car Insurance
APA Insurance Company has always performed well in rankings in Kenya.APA also deals with general Insurance risks like Motor, Liability, Agriculture, Marine, Aviation, Property and Micro Insurance, Health Insurance and Risks like Individual and Family Health Insurance.
4. Jubilee Car Insurance
Jubilee Insurance is headquartered in Nairobi and is a favourite among many insurance clients who like its flexible and tailor-made insurance products. Jubilee’s car insurance covers the following;
-Private & Commercial Car Comprehensive
-Third-party Bodily Injuries
-Theft & damage
-Special perils. e.g. Floods, wind, fire, storms.
-Third-party liability –Injury & property damage
5. UAP Motor Private insurance
UAP is one of the oldest insurers in Kenya and UAP Motor private insurance is the oldest branch of UAP. UAP offers a wide range of services for different insurances like cars, fire, theft, livestock and marine to name just a few.
The car insurance covers the following and has the following benefits;
-Vehicles for loss or damage
-Car Tracking Device & Services
-24 hour Road Rescue
-Emergency Medical Expenses after accidents
-Forced ATM withdrawal
6. Heritage Insurance Company
Heritage Insurance company insures private vehicles, including Saloons, Station wagons, Estates, and large Four Wheel Drives (4X4). The insurance covers the following;
-Loss of spare parts/ keys
-Windscreen and towing services.
7. AIG Kenya
AIG Company was at one time the largest insurance company in the world and it’s still among the best insurers worldwide.
Its services are commendable and that has earned them total customer trust.AIG provides motor insurance for Private Motor Insurance and Health Insurance
8. ICEA Insurance Company
Insurance Company of East Africa has grown over time and has branches spread all over Kenya in Nairobi, Kisumu, Nyeri, Mombasa, Nakuru, and Eldoret and it’s still growing. It has branches in Uganda and Tanzania. ICEA offers car insurance cover which has these benefits;
-Personal Accident for driver and passengers cover
-Courtesy car (Loss of Use)
9. AMACO Insurance
Africa Merchant Assurance Company has been a well-known motor insurance company in Kenya for a while now. The company provides third-party cover and comprehensive cover for its clients.
10. Invesco Assurance Company limited
Invesco has risen over time, like 20 years since its inception and it has towered amongst its peer insurer companies in Kenya. Apart from motor insurance, Invesco also insures domestic property, businesses, fire and related occurrences. If you have looked at the windscreens of many PSVs here in Kenya, you can see that majority of them, almost 95% have an Invesco insurance cover.