Best car insurance companies in Kenya

For anyone who owns a car, car insurance is one of the most important parts of their financial portfolio. As the number of car owners rise in Kenya so as the insurance companies.

With so many companies offering car insurance, finding the right plan for your needs can be difficult. This article features some of the best car insurance companies in Kenya.

APA Car Insurance

APA Insurance is one of the top ranked insurance companies in Kenya. Its Motor insurance protects the insured against loss if the motor vehicle insured is involved in an accident, burnt, stolen and third party liability arising from use of the insured motor vehicle.

This cover takes care of a wide range of risks that a motorist may suffer in the process of using his/her vehicle. The main cover features include

1. Accidental Impact damage including overturning and collision.
2. Accidental Fire damage.
3. Theft/partial Theft cover.
4. Third-party liability cover for bodily injury & property damage.
5. Windscreen cover.
6. Entertainment system cover.
7. Emergency Medical expense cover.
8. Courtesy car/ loss of use cover.
9. Excess protector.
10. Political Violence & Terrorism cover

Britam Insurance

It is one of the popular insurance firms in Kenya. Britam covers stolen and damaged vehicles as well as third parties. Besides, it also provides emergency medical cover for victims involved in an accident.

Their car insurance covers you against;

1. Accidental loss or damage to the vehicle

1. Third-Party Liabilities
2. Emergency Medical Expenses to driver or passengers, or pedestrians after an accident

Catalytic converter theft on the rise. How your car will be affected if stolen

UAP Motor Private Insurance

This insurance package shields vehicle ownerx against loss or damage resulting from accidents, accidental fires and theft. Third-party liabilities such as death, bodily injuries, and/or property damage are also covered under this product.

Heritage Insurance Company

Operating in Kenya and Tanzania, Heritage Insurance Company offers insurance services for both private and commercial vehicles.

The firm offers three types of covers including;

• THIRD PARTY ONLY (TPO)

This is the basic and minimum cover available. It provides for liability to third parties only in respect of bodily injury and damage to third party property. It is the mandatory cover that a motorist should have.

• THIRD PARTY FIRE AND THEFT (TPF&T)

In addition to the TPO cover, this cover extends cover the insured’s vehicle against the risks of fire and theft, including partial theft.

Best pickup between Toyota Hilux and Isuzu DMax

• COMPREHENSIVE

This is a superior cover to all the others as in addition to TPF&T, it extends to cover any other accidental damage to the vehicles including collision, overturning, effects of floods, Earthquakes etc.

CIC Insurance

CIC prides itself as a world class provider of insurance. Some of their car insurance include;

1. Personal Accident Cover for the family & one indoor employee.
2. Trauma Counseling for persons involved in an incident
3. Replacement of Lost Car Keys
4. 24hr roadside assistance services countrywide

Jubilee Car Insurance

The Jubilee vehicle insurance protects the insured against financial loss in the event that the motor vehicle is involved in an accident, burnt or stolen.

The firm offers various coverage including

• Third party Fire & Theft: Cover extends to cover theft, fire, third party bodily injury and property damage.
• Comprehensive car insurance policy offers overall protection against damages to both parties involved in an accident. This policy is extensive, and it covers damages to car, theft, legal liability to third-party, property damage fire, and personal accident cover