Comprehensive Motor Insurance Premium Calculator (Flexible Payments)

Instant online premium calculator for your comprehensive motor insurance with a flexible premium payment plan of  up to 4 monthly installments. When ready to buy your certificate, select to provide the required information, pay the calculated full year or installment premium, and submit for processing.

We will proceed to review your details and documents and share the certificate to your email or WhatsApp within the hour. Feel free to reach out on WhatsApp or call 0723 493 660 if you require any assistance.

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Comprehensive Motor Insurance in Kenya

Comprehensive motor insurance is a robust insurance option that provides coverage for a myriad of risks beyond the standard third-party liability protection. While third-party insurance covers damage or injury caused to others, comprehensive motor insurance takes care of your own vehicle as well, offering a comprehensive shield against various potential risks.

Key Components of Comprehensive Coverage

  1. Own Damage Protection: Comprehensive insurance includes coverage for damages to your vehicle caused by accidents, collisions, or acts of vandalism. Whether it’s a minor fender bender or a significant collision, comprehensive coverage steps in to alleviate the financial burden of repairing or replacing your vehicle.
  2. Theft Coverage: In a country where vehicle theft is a concern, comprehensive motor insurance provides coverage in the unfortunate event that your car is stolen. This aspect of the policy ensures that you are not left empty-handed in the face of such a loss.
  3. Natural Calamities: Comprehensive coverage extends to damages caused by natural disasters such as floods, earthquakes, or storms. With climate uncertainties on the rise, this component becomes increasingly vital in protecting your investment from unforeseen weather-related incidents.
  4. Fire and Explosion: Fires and explosions can wreak havoc on your vehicle. Comprehensive motor insurance covers the repair or replacement costs in case your car falls victim to such incidents, offering peace of mind in the face of unforeseeable disasters.
  5. Glass Damage: From cracked windshields to shattered windows, comprehensive coverage takes care of damages to your vehicle’s glass components. This includes repair or replacement costs, ensuring that even the smallest damages don’t become a major financial burden.

Additional Benefits of Comprehensive Motor Insurance in Kenya

1. Excess Protector

In the intricate world of motor insurance, an often-overlooked but highly beneficial component is the Excess Protector. This feature is a financial safety net for policyholders, specifically designed to mitigate the impact of excess fees associated with claims. In the event of an accident or damage to your vehicle, the excess amount is the portion of the claim that you, as the policyholder, are responsible for covering.

The Excess Protector add-on ensures that you won’t bear the brunt of these excess costs, offering peace of mind and a more predictable financial outcome. It’s a prudent choice for those who want to safeguard their savings and maintain financial stability, even in the face of unexpected incidents.

Scenario: Collision Damage and Excess Protection

Imagine you’re driving your car, and unfortunately, you get involved in a collision with another vehicle. The repair costs for the damages to your car amount to KES 200,000. Now, your comprehensive motor insurance policy has an excess of KES 20,000, meaning you are responsible for covering this initial amount before the insurance kicks in.

Without Excess Protector:

  1. Total Repair Cost: KES 200,000
  2. Your Excess: KES 20,000

In this scenario, you would need to pay the first KES 20,000 out of your pocket, and the insurance would cover the remaining KES 180,000.

Now, let’s consider the same scenario with the Excess Protector benefit:

  1. Total Repair Cost: KES 200,000
  2. Your Excess: Covered by Excess Protector

With the Excess Protector benefit in place, you wouldn’t have to worry about paying the KES 20,000 excess out of your own funds. The Excess Protector feature takes care of this amount, ensuring that you are not financially burdened by the initial excess fee. So, in this case, the insurance would cover the entire KES 200,000 repair cost, offering you financial relief and preserving your savings.

2. Political Violence and Terrorism

In a world where unforeseen events can disrupt the ordinary course of life, having insurance coverage that extends to political violence and terrorism is a crucial consideration. Comprehensive motor insurance in Kenya can provide protection against damages to your vehicle resulting from political unrest, civil disturbances, or acts of terrorism.

This additional benefit is particularly pertinent in regions where such incidents may pose a risk to both personal safety and property. Including this coverage in your comprehensive policy ensures that you’re adequately protected in the face of unexpected and politically charged events, contributing to a comprehensive approach to risk management.

3. Loss of Use

The Loss of Use benefit is a valuable inclusion in comprehensive motor insurance policies, addressing a common concern for drivers – the inability to use their vehicle during repairs. If your car is involved in an accident or sustains damage covered by your policy, the Loss of Use coverage kicks in to provide compensation for the expenses related to alternative transportation.

Whether it’s rental car fees or public transportation costs, this benefit ensures that your daily routines remain uninterrupted even when your vehicle is undergoing repairs. It’s a practical and thoughtful addition to comprehensive motor insurance, acknowledging the importance of keeping you mobile and minimizing disruptions to your daily life in the event of unforeseen circumstances.

FAQs on Comprehensive Motor Insurance in Kenya

What is Comprehensive Motor Insurance?

Comprehensive Motor Insurance in Kenya is an extensive insurance policy that provides coverage not only for third-party liabilities but also for damages to your own vehicle. It includes protection against accidents, theft, natural disasters, and a range of other risks.

Can I Pay for My Comprehensive Motor Insurance Premiums in Installments?

Yes, you can with Divani. Use our free online calculator to see how much you will pay for your comprehensive motor insurance, either in full or in up to 4 monthly installments.

Is Comprehensive Insurance Mandatory in Kenya?

While third-party insurance is mandatory in Kenya, comprehensive insurance is optional. However, it is highly recommended for comprehensive coverage and added protection for your vehicle.

What Does Comprehensive Coverage Include?

Comprehensive coverage includes protection against damages caused by accidents, theft, natural disasters, fire, and vandalism. It often extends to cover glass damage, political violence, and terrorism, among other benefits.

How Does Excess Protector Work in Comprehensive Insurance?

The Excess Protector is an add-on that covers the excess amount you would normally be responsible for in a claim. It ensures that you won’t have to pay the excess out of your pocket, providing a financial safety net.

Can I Choose the Excess Amount in Comprehensive Insurance?

Yes, in many cases, you can choose the excess amount when purchasing comprehensive insurance. A higher excess may result in lower premiums, but it means you’ll bear a greater financial responsibility in the event of a claim.

Does Comprehensive Insurance Cover Political Violence and Terrorism?

Some comprehensive motor insurance policies in Kenya offer coverage against damages caused by political violence and terrorism. It’s essential to check your policy details to confirm if this coverage is included.

What is Loss of Use in Comprehensive Insurance?

Loss of Use coverage in comprehensive insurance compensates you for the expenses related to alternative transportation while your vehicle is undergoing repairs. This can include rental car fees or public transportation costs.

How Can I Lower the Premiums for Comprehensive Insurance?

You can lower premiums by choosing a higher excess, installing security features on your vehicle, and maintaining a good driving record. Additionally, bundling insurance policies or opting for discounts offered by insurers may help reduce costs.

Can I Add Additional Coverage to Comprehensive Insurance?

Yes, you can often customize your comprehensive insurance policy by adding extra coverage such as roadside assistance, personal accident cover, or coverage for accessories and modifications.

Is Comprehensive Insurance Suitable for Older Vehicles?

Comprehensive insurance is generally more cost-effective for newer vehicles. For older vehicles, you may want to assess the vehicle’s value against the cost of premiums to determine if comprehensive coverage is still worthwhile.