Motorcycles, popularly known as Boda Boda, are one of the most preferred means of transport for short distances in Kenya, with more than 2.4 million Boda Bodas currently in operation.
However, the rising number of accidents involving Boda Bodas has left people questioning their safety and calling for urgent action to curb the menace.
According to the National Transport and Safety Authority (NTSA), 431 lives were lost in motorcycle crashes between January and March 2025—an average of five deaths every day.
NTSA cautioned boda boda operators to observe road safety rules including wearing protective gears such as helmets when in transit.
Various stakeholders have also called for measures to restore sanity in the boda boda sector to ensure safety of both the rider and passenger.
And to stay protected should the unexpected happen, insurance firms have stepped up to provide financial security for boda boda riders.
For instance, the Cooperative Bank of Kenya has unveiled an insurance cover for both private and commercial motorcycle operators.
The motorcycle covers the motorcycle itself and also provides personal accident insurance for the rider as an enhancement.
Commercial boda bodas can get a six-month coverage for only Sh6,000 or a 12-month coverage for Sh12,108. For private boda bodas, the charges are Sh7,081 for 12 months.
Any person over 18 years and with a valid driving license is eligible for the covers.
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Motorcycle (PSV) comprehensive
Premium 5% of the value, minimum Sh5,000 inclusive of levies.
The insured will pay an optional amount of Sh2,000 for a personal accident of death and permanent total disability benefits of Sh250,000 and medical expenses cover in respect of motorcycle accidents only for Sh50,000
Limits of liability and excesses are applicable as follows:
Limits of liability
- Third-party bodily injury – unlimited
- Third-party property damage – Sh2,000,000
- Passengers’ legal liability – Sh3,000,000 per person and Sh20,000,000 per event
- Towing charges – Sh10,000
- Repair authority – Sh20,000
- Accidental medical expenses – Sh20,000
- Radio cassette – N/A
- Geographical area – Kenya
Excesses
- Material damage – 2.5% of the sum insured min – Sh7,500
- Theft and recovery – 2.5% each and every loss min – Sh7,500
- Total theft – 10% of value, min – Sh15,000
- Third-party property damage – Sh5,000
- Third-party injury claims – nil
- Novice riders – Sh5,000 additional (under one year experience)
- Unlicensed riders – no cover
Drivers
Any person authorized by the insured and holding a driving/riding license prescribed by NTSA.
Special clauses
- Including all special perils/acts of God
- Agreed value clause
- Excluding passenger liability to the insured’s household
- Including Kenya legal jurisdiction
- Including use by motor trade
- Liability of passengers
- No blame no excess clause
- Replacement parts clause
- Including riot strike, civil commotion
- Including terrorism & political violence
- Personal accident for rider: Death limit – Sh100,000
- Personal accident for rider: PTD limit – Sh100,000
- Personal accident for rider: Medical expenses – Sh20,000
The minimum annual premium amount insured is Sh18,000 for bodaboda and Sh12,000 for private motorcycles, exclusive of levies and stamp duty.
Premium is exclusive of extensions for political violence & terrorism and own damage excess protector.
Enrollment requirements
The enrollment process is very easy, and all one is required to provide is a Logbook, Driving license, Insured ID, Pin certificate, and a Premium.
Benefits:
These packages provide multiple benefits to subscribers including:
-
- Tracking devices
- Occupational group personal accident for the driver and loader
- No blame no excess
- Carriers liability
- Loss of use cover
- Loss of personal effects
- Replacement of damaged and or lost key
- Forced ATM withdrawal limit
- Accommodation after an accident
- Daily hospitalization allowance
- Courtesy car
- Political violence and terrorism risks
To get started, visit the nearest Co-op Bank branch countrywide.
