Honestly, no one wants to think about getting into a car accident, but it’s a risk drivers face every day on our Kenyan roads. The various types of car insurance coverage are available in Kenya to help protect you, your passengers and vehicle in the event of a car accident. Here are some common car insurance coverage options.
Types of Car Insurance Covers in Kenya
1. Third Party Cover
Third party insurance is the minimum legal level of cover needed to drive a car. If you cause damage to someone else’s property or injure them while driving, that person will receive appropriate compensation.
2. Third Party, Fire, and Theft
As the name suggests, this cover protects you against two major risks :
- Coverage against Theft – replacing your car if it’stolen
- Coverage Against Fire
This kind of policy also helps to protect other people, vehicles and property in the event of an accident that was deemed to be your fault.
3. Comprehensive Cover
Comprehensive car insurance – also known as fully comp cover is one of the higher levels of protection you can get for your car in Kenya.With comprehensive car insurance, you can claim from your insurer for accidents that are deemed to be your fault.It also applies when fault can’t be proven
A comprehensive policy gives you that added level of protection and peace of mind that you won’t necessarily have to pay for expensive repairs.
