Best Car Comprehensive Insurance Companies In Kenya.
Car insurance is a mandatory requirement in Kenya as stipulated by the laws. However, comprehensive car insurance is not a mandatory requirement.
Comprehensive insurance is quite costly compared to third-party vehicle insurance policies. It has significant benefits that include;
i) It offers overall protection to all parties in case an accident happens.
ii) Offers financial assistance in case your car is damaged due to natural calamities, riots, or fire, in case of an accident, or when the car is stolen.
iii) Third-party benefits in case of damage to other people’s vehicles, buildings, deaths, or injuries
If you are thinking of getting comprehensive insurance for your vehicles then below is a list of the best companies:
1) ICEA Lion
ICEA Lion comprehensive motor insurance covers the following;
(i)Loss, theft, or damage
- To the motor vehicle, its accessories, and spare parts.
- Windscreen damage – up to a free limit ranging from 30,000 to 50,000 depending on your type of vehicle.
- Whilst in the custody of a mechanic or garage for overhaul, upkeep, or repair.
- Entertainment system- if stolen or damaged up to a limit of Kshs 30,000. In the event the cost of replacement is higher, you will need to cover the additional cost.
(ii) Injury to another party
Should another party require emergency assistance, you are at liberty to take them to the hospital and meet their medical expense of up to Kshs 30,000 and the amount will be refunded to you upon presentation of the required documentation (medical report from the doctor as well as the corresponding receipts).
(iii) Loss of life
Death of the occupants of your vehicle as well as the third parties involved (the other people not in your vehicle).
(iv) Medical expenses incurred by the occupants of a motor vehicle as a result of an accident or property damage belonging to third parties.
(v) Valuation service
Free valuation the first time you take the comprehensive cover. For subsequent valuations, you will enjoy a discount from the company’s panel of valuers.
The company covers the cost up to a limit of Kshs 50,000. You will need to cover any additional incurred cost should it be higher.
Contacts: 0711 071 000/ 0730 151 999.
2) APA Insurance
APA comprehensive insurance coverage covers a variety of risks that a motorist may suffer while using his vehicle. The main cover features are as follows;
i) Accidental impact damage like overturning and collision.
ii) Accidental fire damage.
iii) Theft/ partial theft cover.
iv) Third-party liability covers bodily injuries and property damage.
v) Windscreen cover.
vi) Entertainment system cover.
vii) Emergency medical expense cover.
viii) Political violence and terrorism cover.
ix) Excess protector.
Contacts: 020 286 2000, 0709 912 777.
3) Jubilee Insurance
Jubilee is one of the best insurance companies in Kenya. Its comprehensive car insurance offers overall protection against damages to both parties involved in an accident.
The comprehensive policy is extensive and covers damages to cars, theft, legal liability to the third party, property damage, fire, and personal accident cover.
i) Excellent claims settlement.
ii) Political violence and terrorism benefit.
iii) 24-hour towing service.
iv) Accident and disability benefits.
v) Free motor valuation and inspection.
Contact: 0709 949 000.
4) AIG Insurance Kenya
AIG is a market leader in general insurance countrywide. It offers a comprehensive car insurance cover, a superior cover that protects you against 3rd party deaths, bodily injury, or property damage, as well as loss or damage to your vehicle as a result of an accident, accidental fire, or theft.
i) Towing and recovery.
ii) Passenger legal liability.
iii) Emergency medical expenses.
iv) Windscreen and entertainment cover.
v) Authorized repair.
vi) Geographical limit.
Contacts: 0723 600 400, 0723 600 500, 0731 091 298.
5) Heritage Insurance
The insurance company’s comprehensive insurance is a superior insurance cover that covers all parties as third-party fire and theft. It extends to cover any other accidental damage to the vehicle including collision, overturning, effects of natural disasters, etc.
Contacts: 0711 039 000, 0734 101 000.
6) CIC Insurance
CIC comprehensive insurance covers you against accidental damage, malicious damage, theft, fire, third-party liability, floods, riots, strikes, and civil commotions.
The cost rate ranges between 3.5% and 6% of the value of a car. It is calculated based on the value of your car once the valuation is done.
Contacts: 0703 099 120, 020 282 3000.