Buy Third Party Motor Insurance Online in Kenya

In Kenya today, convenience is everything, and buying your motor insurance should be no different. Gone are the days when you had to visit insurance offices, fill out piles of forms, and wait for days to receive your certificate. With platforms like Divani Insurance, you can now buy Third Party Only (TPO) Motor Insurance online in just a few minutes, from anywhere in Kenya, and get your digital certificate sent directly to your email or WhatsApp, ready for printing and display.

Whether you drive a private car, commercial vehicle, taxi, or tour van, this simple online process ensures you stay compliant with Kenyan law while saving time and avoiding unnecessary paperwork. In this guide, we’ll walk you step-by-step through how to buy your Third Party Motor Insurance online, what you’ll need, and how Divani ensures your cover is processed quickly and securely.

Let’s get started with how the process works, from choosing your cover to receiving your insurance certificate.

Understanding Third Party Motor Insurance in Kenya

Before you buy a policy, it’s important to understand what Third Party Motor Insurance really means and why it’s required by law in Kenya.

What Is Third Party Motor Insurance?

Third Party Only (TPO) motor insurance is the minimum legal requirement for all vehicles operating on Kenyan roads under the Insurance (Motor Vehicles Third Party Risks) Act, Cap 405. It protects you—the vehicle owner or driver—against financial liability if your vehicle causes injury, death, or property damage to another person (the “third party”).

In simple terms, if you’re involved in an accident and someone else’s property is damaged, or a person gets injured or dies, your insurer covers those losses on your behalf. However, it does not cover any damage to your own vehicle.

Why It’s Mandatory in Kenya

Driving without valid third party insurance is a serious offence in Kenya. The law requires every motorist to have this cover before a vehicle is driven on a public road. This ensures that accident victims can receive compensation, even if the driver responsible cannot afford to pay out of pocket.

What Third Party Insurance Covers

A Third Party Only policy in Kenya generally covers:

• Bodily injury or death caused to other people (excluding passengers in your own vehicle).
• Damage to other people’s property as a result of an accident involving your vehicle.
• Legal costs and expenses arising from such third party claims, up to the limits specified in the policy.

What It Doesn’t Cover

It’s also important to know what isn’t covered under this basic policy:

• Damage to your own car or vehicle
• Theft or fire affecting your own vehicle
• Injury to the driver or authorized passengers
• Loss or damage caused intentionally or by reckless driving

If you need broader protection—covering your own vehicle, theft, or fire—you’d want to explore a Comprehensive Insurance policy. However, for many motorists, Third Party Only offers a quick, affordable, and legally compliant way to get on the road.

Read Next: What Is Third Party Only (TPO) Motor Insurance and What Does It Cover in Kenya

Why Buying Motor Insurance Online Makes Sense

In the past, getting motor insurance in Kenya often meant spending hours visiting insurance offices, filling out forms, and waiting for paperwork to be processed. Today, that’s no longer necessary. Thanks to digital platforms like Divani Insurance, buying your motor insurance online is faster, safer, and more convenient than ever before.

Here’s why more Kenyans are switching to online insurance.

1. Convenience from Anywhere in Kenya

You can buy your Third Party Motor Insurance anytime, whether you’re at home, at work, or even on the road. All you need is your phone or computer and a few essential documents. The entire process, from selecting your cover to receiving your certificate, takes just a few minutes.

2. Fast and Secure Payment

With Lipa na M-Pesa integration, payments are instant and secure. Once you pay, your order is immediately processed, no need to visit a bank, write cheques, or handle cash.

3. No Paperwork, No Office Visits

Everything happens online. You upload your required documents, such as your KRA PIN, ID/Passport, and logbook, directly through the Divani platform. Your information is securely stored, meaning you don’t have to re-upload them for renewals.

4. Quick Delivery of Your Certificate

After processing, your insurance certificate and policy are sent straight to your email or WhatsApp, ready for printing. This means you can display your certificate on your windshield the same day you buy your cover.

5. Automatic Renewal Reminders

It’s easy to forget when your insurance expires, but with Divani, you don’t have to. Renewal reminders are sent automatically before your policy lapses, ensuring you stay compliant without last-minute stress.

6. Transparent and Trusted Process

Divani works with top-rated insurance companies in Kenya, ensuring that you get a legitimate, approved cover every time. You also have access to support if you need help choosing the right policy or following up on your certificate.

In short, buying your motor insurance online through Divani is the smarter way to stay insured, saving you time, ensuring legal compliance, and making the process hassle-free.

Read next: Why Third Party Only Insurance Makes Sense in Kenya

Step-by-Step: How to Buy Third Party Motor Insurance on Divani

Buying your Third Party Motor Insurance online through Divani Insurance is designed to be quick, secure, and completely paperless. Whether you drive a private car, a commercial vehicle, or a PSV, the process is straightforward and takes just a few minutes from start to finish.

Here’s exactly how it works:

Step 1: Select the Product (Third Party Motor Insurance)

Visit the Divani Insurance website and choose the Third Party Only Motor Insurance product. You’ll find a clear description of what the cover includes and who it’s best suited for.

Step 2: Choose Your Coverage Option

You can select from the available coverage types depending on your vehicle:

• Private Vehicles – Full year or one-month cover
• Commercial Vehicles – For own goods or general cartage (hire use); full year cover only
• PSV (Public Service Vehicles) – Taxis and private hires; full year cover only
• TSV (Tour Service Vehicles) – Tour vans; full year cover only

Each option is tailored to meet regulatory requirements while keeping the process simple.

Step 3: Fill in the Required Details

Next, fill in a short online form with your basic vehicle and personal details. This includes:

• Vehicle registration number
• Owner’s name and contact information
• Vehicle use category
• National ID/Passport number
• KRA PIN

These details help ensure your certificate is accurate and ready for registration verification.

Step 4: Pay Securely via Lipa na M-Pesa

Once you’ve entered your details, proceed to payment. Divani integrates with Lipa na M-Pesa to make the process instant and secure. Simply enter your M-Pesa PIN to complete the transaction — no manual confirmations or delays.

Step 5: Upload Required Documents

After payment, you’ll be redirected to a page where you upload your documents:

• Copy of KRA PIN
• Copy of National ID/Passport
• Copy of Vehicle Logbook

Your documents are encrypted and stored securely, so you’ll never have to re-upload them for renewals.

Step 6: We Process Your Cover

Once submitted, our team reviews your details and processes your cover with one of our partner insurance companies. If any clarification is needed, we’ll contact you promptly to finalize the policy.

Step 7: Receive Your Insurance Certificate

After approval, your insurance certificate and policy document are sent directly to your email and WhatsApp. You can print your certificate immediately and display it on your vehicle’s windshield.

Step 8: Get Renewal Reminders Automatically

When your cover is due for renewal, Divani automatically sends you a reminder. Since your documents are already saved, you can renew with just a few clicks, no new uploads or forms required.

By following these simple steps, you’ll have your Third Party Motor Insurance ready the same day — fully compliant, fully digital, and backed by trusted insurers in Kenya.

Types of Vehicles Covered Under Divani TPO Policy

Divani Insurance offers Third Party Only (TPO) Motor Insurance for a wide range of vehicles used across Kenya. Whether you’re a private motorist, a business owner with a delivery truck, or operate a taxi or tour van, there’s a suitable coverage option for you. Each category has its own conditions and duration options to match your vehicle use.

Here’s a breakdown of the vehicle types covered under Divani’s Third Party Policy:

1. Private Vehicles

These are vehicles used for personal, family, or social purposes — not for hire, reward, or business transportation.

• Coverage Options: Full Year or One-Month Cover
• Ideal For: Personal cars, family vehicles, and private-use SUVs
• Why Choose It: Flexible payment options and short-term cover available for private use

2. Commercial Vehicles (Own Goods or General Cartage)

Commercial vehicles are used for transporting goods, either your own goods or goods for hire and reward (also known as general cartage).

• Coverage Option: Full Year Cover Only
• Ideal For: Pickup trucks, delivery vans, lorries, and tippers used for business or logistics
• Why Choose It: Keeps your business compliant with transport regulations while protecting against third-party liabilities

3. PSV (Public Service Vehicles)

These include vehicles used for carrying passengers for hire or reward, such as taxis and private hire cars.

• Coverage Option: Full Year Cover Only
• Ideal For: Taxi operators, ride-hailing vehicles (e.g., Uber, Bolt), and private hire cars
• Why Choose It: Meets NTSA and insurance compliance requirements for operating on Kenyan roads

4. TSV (Tour Service Vehicles)

Tour service vehicles are registered and licensed to carry tourists or provide travel services, typically through tour companies.

• Coverage Option: Full Year Cover Only
• Ideal For: Tour vans, safari vehicles, and travel agency transport fleets
• Why Choose It: Ensures compliance with tourism transport laws and gives peace of mind during local or regional travel operations

Each of these categories is fully supported by Divani’s online insurance platform, allowing you to choose your vehicle type, make payment, upload your documents, and receive your certificate—all in one seamless process.

Tips for a Smooth Online Purchase

Buying your Third Party Motor Insurance online through Divani is quick and easy, but with a few smart steps, you can make the process even smoother and avoid common mistakes that delay approvals. Whether you’re a first-time buyer or renewing your cover, these tips will help you get it right the first time.

1. Double-Check Your Vehicle Details

Before you begin, confirm that your vehicle registration number, logbook name, and KRA PIN match. Any mismatch can cause delays in processing or rejection by the insurer. Always use the official registered owner’s details as they appear on the logbook.

2. Have All Documents Ready

Prepare your digital copies in advance:

• KRA PIN (PDF or image)
• National ID or Passport
• Vehicle Logbook

Uploading clear, legible copies ensures your policy is processed quickly without follow-ups.

3. Use the Correct Vehicle Category

Select the right coverage type for your vehicle:

• Private (Full Year or One-Month)
• Commercial (Own Goods or General Cartage – Full Year Only)
• PSV (Taxi or Private Hire – Full Year Only)
• TSV (Tour Van – Full Year Only)

Choosing the correct category ensures your certificate matches your NTSA records and avoids compliance issues.

4. Pay Securely via Lipa na M-Pesa

Use your own M-Pesa number to pay, as the payment automatically links to your order for verification. Once the payment is complete, you’ll be redirected to the documents upload page.

5. Check Your Email or WhatsApp After Payment

After uploading your documents, monitor your email and WhatsApp for your insurance certificate and policy. If you don’t see it in your inbox within the same day, check your spam folder or reach out to Divani’s support team for assistance.

6. Save Your Certificate Safely

Once received, download and print your insurance certificate for display on your windshield. Keep a digital copy on your phone as backup in case you’re stopped by authorities or misplace the printed version.

7. Renew Before Expiry

Don’t wait until the last minute. Divani sends automatic renewal reminders, but it’s still wise to renew a few days early to stay compliant and avoid penalties.

By following these tips, your online insurance purchase will be fast, secure, and completely hassle-free.

Why Buy Through Divani Insurance Agency

When it comes to buying motor insurance online in Kenya, Divani Insurance Agency stands out for its reliability, speed, and customer-first approach. As a licensed insurance agency, Divani partners with top-rated Kenyan insurers to ensure that every policy you buy is genuine, affordable, and compliant with all regulatory requirements.

Here’s why thousands of motorists trust Divani for their Third Party Motor Insurance needs:

1. Fast, 100% Online Process

From start to finish, everything happens online. No paperwork, no office visits, and no waiting in line. You can buy, upload, and receive your insurance certificate right from your phone or computer in just a few minutes.

2. Instant Digital Certificate Delivery

Once your cover is processed, your insurance certificate and policy are sent directly to your email and WhatsApp, ready for printing and use. No delays, no chasing agents, just fast and efficient service.

3. Secure Payment via Lipa na M-Pesa

Divani uses a secure M-Pesa payment gateway, ensuring your transactions are safe and verified instantly. This eliminates the risk of paying to the wrong account or losing receipts.

4. Partnered with Trusted Insurers

We work with the leading insurance companies in Kenya, offering only approved and licensed covers. This guarantees that every policy you receive is authentic and verifiable through official channels.

5. Automatic Renewal Reminders

Forget the stress of tracking your expiry date. Divani sends automatic renewal notifications before your cover lapses, so you stay compliant and avoid penalties.

6. Secure Document Storage

All your uploaded documents — including your KRA PIN, ID, and logbook — are encrypted and stored securely. When renewing, you won’t need to re-upload them, making the process even faster.

7. Friendly and Reliable Customer Support

Need help or have a question? Divani’s support team is available to assist with policy clarifications, document uploads, or renewal guidance, ensuring you’re never left stranded.

8. Licensed and Transparent Operations

Divani is a registered insurance agency. This means you’re dealing with professionals who are accountable, transparent, and fully regulated under Kenyan law.

By choosing Divani Insurance Agency, you’re choosing peace of mind, convenience, and trusted service, all from a single online platform designed to make motor insurance simple for every Kenyan motorist.

Common Questions About Buying TPO Insurance Online

1. What does Third Party Only (TPO) Insurance cover?

TPO insurance covers injury, death, or property damage caused to third parties (other people) by your vehicle. It does not cover damage to your own car, theft, or fire.

2. Is Third Party Insurance mandatory in Kenya?

Yes. Under the Insurance (Motor Vehicles Third Party Risks) Act, Cap 405, every vehicle driven on a public road in Kenya must have at least Third Party insurance. Driving without it is illegal and punishable by law.

3. Can I buy Third Party Insurance online?

Absolutely. With Divani Insurance, you can buy your Third Party policy fully online — from selecting your cover to uploading documents and receiving your digital certificate via email or WhatsApp.

4. How long does it take to get my insurance certificate after purchase?

Most certificates are processed and sent the same day, often within a few hours of payment and document submission.

5. What documents do I need to buy Third Party Insurance online?

You’ll need the following documents in digital format (PDF, JPG, or PNG):

• Copy of your KRA PIN
• National ID or Passport
• Vehicle Logbook

6. Can I pay for my cover using M-Pesa?

Yes. Divani integrates with Lipa na M-Pesa for safe and instant payments. You’ll receive an automatic confirmation once your payment goes through.

7. What vehicles can be covered under Divani’s TPO policy?

Divani covers a wide range of vehicles, including:

• Private vehicles (full year or one-month cover)
• Commercial vehicles (own goods or general cartage — full year only)
• PSV vehicles (taxis, private hires — full year only)
• TSV vehicles (tour vans — full year only)

8. Can I get a short-term Third Party cover?

Yes — if you drive a private vehicle, Divani offers a one-month TPO cover. This is ideal for short-term use or when you’re not ready to commit to a full year yet.

9. How do I renew my Third Party policy?

Renewing is easy. Divani saves your details and documents securely, so during renewal you only confirm your information, make payment, and receive your updated certificate — no re-uploading required.

10. How can I confirm if my insurance certificate is genuine?

All Divani-issued certificates come from licensed Kenyan insurers and can be verified through the Insurance Regulatory Authority (IRA) or directly with the insurer listed on your certificate.

11. What if I make a mistake when filling out my details?

If you notice an error after submission, simply contact Divani’s support team immediately. They’ll correct the mistake before your certificate is finalized and issued.

12. Can I buy TPO for a vehicle that’s not in my name?

Yes — but you’ll need to upload the logbook showing the registered owner and indicate your relationship (e.g., spouse, company, or parent). The cover will still be valid as long as all details are accurate.

Conclusion: Stay Protected and Drive with Confidence

Third Party Motor Insurance is more than just a legal requirement — it’s your first line of protection on Kenyan roads. With Divani Insurance Agency, you no longer have to queue at offices or deal with paperwork. You can compare trusted insurers, buy your cover online, upload your documents, and get your digital certificate — all within minutes.

Our mission is to make motor insurance simple, fast, and reliable for every driver in Kenya. Whether you’re renewing your policy or buying for the first time, Divani ensures your experience is smooth and transparent.

No paperwork.
Instant purchase.
Covers from trusted insurers.
Digital certificate delivered to your email or WhatsApp.

Ready to Get Covered?

Don’t wait until the last minute — secure your Third Party Motor Insurance online today and drive with peace of mind.

Buy Your Cover Now on Divani Insurance Agency

Your protection, one click away.