Top providers for comprehensive, third-party, and PSV coverage
1. CIC Insurance Group
- Why it stands out: Market leader in motor insurance with strong regional presence
- Coverage: Comprehensive, third-party, PSV, and commercial vehicle insurance
- Extras:
- Free towing (up to KSh 50,000)
- Emergency medical cover (KSh 30,000)
- Political violence & terrorism cover (optional)
- Ideal for: Private car owners, SMEs, and fleet operators
2. APA Insurance
- Why it stands out: Flexible coverage and wide garage network
- Coverage: Comprehensive, third-party, fire & theft
- Extras:
- Windscreen cover (up to KSh 50,000)
- Entertainment system (up to KSh 30,000)
- Courtesy car option
- Ideal for: Urban drivers, families, and hybrid car owners
3. Britam Insurance (Motiflex)
- Why it stands out: First to offer installment-based premium payments
- Coverage: Comprehensive, third-party
- Payment plans:
- Monthly, quarterly, semi-annual, or 3-part annual
- Start with as little as KSh 4,000
- Ideal for: Budget-conscious drivers and first-time car owners
4. Directline Assurance
- Why it stands out: Kenya’s top PSV insurer
- Coverage: Matatus, taxis, buses, and private cars
- Extras:
- 24/7 emergency assistance
- Fast claims for PSV operators
- Ideal for: Uber/Bolt drivers, matatu owners, and taxi fleets
5. Jubilee Insurance
- Why it stands out: Heritage + innovation
- Coverage: Private and commercial vehicles
- Extras:
- Free motor inspection
- Political violence & terrorism cover
- Multi-car discounts
- Ideal for: Families, professionals, and long-distance drivers
6. Heritage Insurance (Lady Heritage)
- Why it stands out: Women-focused car insurance
- Coverage: Comprehensive, third-party
- Extras:
- AA Kenya towing
- Spa and wellness benefits
- Medical cover for occupants
- Ideal for: Women drivers and young professionals
7. ICEA LION Group
- Why it stands out: Strong customer care and digital tools
- Coverage: Private, commercial, motorcycle
- Extras:
- Medical expenses
- Third-party property damage
- Theft and fire protection
- Ideal for: Families, SMEs, and digital-first users
8. Old Mutual Kenya
- Why it stands out: Customizable risk management
- Coverage: Private and commercial vehicles
- Extras:
- Flexible add-ons
- Integration with life and health policies
- Ideal for: Corporate clients and bundled policyholders
9. Madison Insurance
- Why it stands out: Fast-growing general insurer
- Coverage: Comprehensive, third-party
- Extras:
- 24/7 claims support
- SMS-based policy updates
- Ideal for: Budget buyers and regional drivers
10. GA Insurance
- Why it stands out: Strong claims reputation
- Coverage: Private, commercial, PSV
- Extras:
- Political violence cover
- Windscreen and radio cover
- Ideal for: Fleet managers and high-mileage drivers
Final Word
In 2025, Kenya’s car insurance market is more competitive and customer-focused than ever. Whether you prioritize affordability, flexibility, or fast claims, there’s a provider tailored to your needs. Always compare quotes, read the fine print, and choose a policy that fits your driving lifestyle.
