Comprehensive
May cover accidental damage to your vehicle, theft, fire and third-party liability, subject to the policy.
Protection for private cars, commercial vehicles and fleets
Motor Insurance in Kenya
Choose appropriate motor cover and understand the protection, exclusions and claims process before you drive.
Clear advice before you choose
Find cover that fits your needs
Motor insurance helps protect vehicle owners from financial loss and legal liability arising from road risks. The suitable level of cover depends on the vehicle, its use, its value and the risks you want the policy to address.
Latron Insurance Agency helps clients compare motor insurance options in Kenya, understand policy terms and prepare the information needed for a quotation. We also provide guidance when a covered incident leads to a claim.
Understanding your options
Common types of motor insurance
The exact protection depends on the policy wording, limits, excesses and optional benefits selected.
Third party, fire and theft
Combines third-party liability with specified protection if the insured vehicle is stolen or damaged by fire.
Third party only
Provides the minimum statutory liability protection for injury or property damage caused to other parties.
Commercial vehicles
Cover structured for vehicles used for business, deliveries, transport or other declared commercial purposes.
Fleet insurance
A coordinated policy for businesses operating multiple vehicles, with terms based on the fleet profile and use.
Optional benefits
Windscreen, towing, excess protector or personal accident benefits may be available depending on the insurer.
Personalised support
Motor cover for different vehicle owners
Private motorists
Cover for personally owned vehicles used for domestic, social and permitted personal activities.
Business owners
Protection for vehicles used in declared business operations, with terms suited to their use.
Fleet operators
Structured arrangements for several vehicles, supported by clear schedules and renewal planning.
Preparing your quotation
What to have ready
Start with basic information only. Latron will explain if an insurer needs anything further.
- 1Vehicle registration, make, model and year
- 2Estimated vehicle value and preferred type of cover
- 3How and where the vehicle is normally used
- 4Any optional benefits you would like to consider
- 5Current insurance details and previous claims information, if requested
Helpful answers
Frequently asked questions
Is third-party motor insurance required in Kenya?+
Kenyan motorists must have the legally required third-party protection. The exact legal and policy requirements should be confirmed for your vehicle and intended use.
What is a motor insurance excess?+
An excess is the amount you may need to contribute toward an approved claim. Different excesses can apply depending on the incident, driver or policy terms.
How is the premium calculated?+
Insurers may consider the vehicle’s value, age, use, driver profile, cover type, claims history, security features and optional benefits.
What should I do after an accident?+
Prioritise safety, report the incident where required, record relevant details and notify the insurer or Latron promptly. Do not admit liability or authorise repairs before receiving guidance.
No-obligation conversation
Let’s find the right protection.
Speak with Latron for clear guidance and a personalised quotation.