How to Buy Motor Insurance Online in Kenya – Step-by-Step Guide
Introduction
Buying motor insurance online in Kenya has never been easier. Whether you’re looking for third party motor insurance (TPO) or short-term cover, the entire process can now be completed from your phone — no paperwork, no queues, and no need to visit an insurance office.
In this guide, we’ll walk you through exactly how to buy TPO insurance online in Kenya, including what you need, how payments work, and why more Kenyans are choosing digital platforms like ours to get insured.
What is Third Party Motor Insurance (TPO) in Kenya?
Third Party Motor Insurance (TPO) is the minimum legal requirement for any vehicle on Kenyan roads. It covers injury or damage caused to other people or their property, but not your own vehicle.
There are two main TPO options available through our platform:
- One-Month TPO Cover (Private vehicles only):
Ksh 1,547 - Full-Year TPO Cover (All vehicle types):
Ksh 7,574, payable in two parts:- First payment: Ksh 4,000 – you get a 1-month certificate
- Second payment (within 30 days): Ksh 3,574 – full-year certificate issued
Read next: Third Party Car Insurance Cost in Kenya – Prices Explained
Why Buy Car Insurance Online?
Here’s why Kenyans are switching to online motor insurance:
- No paperwork – Just send clear photos of your documents
- Fast turnaround – Certificate sent in under an hour
- Nationwide access – Works wherever you are in Kenya
- Secure payments – You pay directly to our insurance partner
- Flexible payment plans – Pay once or in two parts
- Friendly support – Get help via call or WhatsApp anytime
What You Need to Buy Car Insurance Online
To get started, you’ll need digital copies or clear photos of the following:
- Car logbook or copy
- KRA PIN certificate
- National ID
You can send clear pictures taken with your phone — no need to scan documents.
Step-by-Step: How to Buy TPO Insurance Online in Kenya
Here’s how to get insured in just a few steps:
Step 1: Choose Your Cover Type
Decide between:
- One-month TPO (for private vehicles only)
- Full-year TPO (for any vehicle)
Step 2: Fill the Online Form
Fill the form below with your:
- Vehicle details
- Your name and contact info
- Upload your ID, logbook, and KRA PIN
- Choose full-year or one-month cover
Step 3: Make Payment
Pay via M-Pesa Paybill directly to the insurer.
- One-month TPO: Ksh 1,547 (private cars only)
- Full-year TPO: Pay Ksh 4,000 now, Ksh 3,574 within 30 days
Step 4: Send Us Payment Confirmation
Once you’ve paid, fill in the M-Pesa payment confirmation code for our reference.
Step 5: Receive Your Insurance Certificate
Within 1 hour, we’ll send your digital insurance certificate to your email or WhatsApp.
You’re now legally insured to drive!
Buy 3rd Party Motor Insurance Online
Why Choose Us?
- Instant processing
- 100% online – zero paperwork
- Service available anywhere in Kenya
- Helpline via call or WhatsApp
- Renewal reminders before expiry
We facilitate the process and make it seamless — while all payments go directly to our insurance partner for maximum trust and compliance.
Read next: Buy Third Party Motor Insurance Online in Kenya – Instant TPO Cover Anywhere
Frequently Asked Questions (FAQs)
What is the cost of third party insurance in Kenya?
One-month cover costs Ksh 1,547 for private vehicles. Full-year cover is Ksh 7,574, payable in two parts.
Can I buy motor insurance online in Kenya?
Yes! The entire process is online. Just fill the form, pay, and receive your certificate via email or WhatsApp.
Do I need to visit your office?
No. Everything is done remotely. You only need to send your documents and payment confirmation.
How do I pay for the insurance?
You pay directly to the insurer’s Paybill or account. We’ll send you the exact payment details after you fill the form.
How long does it take to get the certificate?
Usually under 1 hour after payment and document confirmation.
Can I pay for full-year TPO in installments?
Yes. You can pay Ksh 4,000 first and receive a 1-month certificate. After you pay the balance of Ksh 3,574 within 30 days, you’ll get a full-year certificate.
Is the certificate valid across Kenya?
Yes. It’s a legally recognized insurance certificate underwritten by a licensed Kenyan insurer.
What documents do I need?
Just your National ID, KRA PIN, and vehicle logbook copy. Clear phone pictures are acceptable.
Can I buy TPO for commercial vehicles?
Yes — the full-year TPO plan applies to all vehicle types, including commercial use.
What happens if I forget to renew?
We send reminders before your policy expires so you can renew on time and avoid penalties.
Read next: Steps to Transfer Motor Vehicle Insurance when Selling Your Car in Kenya
Ready to Buy Your Motor Insurance?
Fill the form below to get started. We’ll guide you every step of the way.