How to Renew Your Third Party Motor Insurance Online in Kenya

Renewing your third-party motor insurance in Kenya doesn’t have to be a hassle anymore. Gone are the days when you had to queue at insurance offices, fill out endless paperwork, or chase after agents for your renewal. Today, you can renew your cover in just a few minutes — fully online, using your phone or computer.

Whether your current policy is about to expire or you simply want peace of mind on the road, understanding how to renew your third-party cover online can save you time, stress, and even money. In this guide, we’ll walk you through the entire process step by step, show you what documents you need, explain payment options like Lipa na M-Pesa, and share a few tips to help you stay compliant and avoid penalties.

Understanding Third Party Motor Insurance Renewal

Third-party motor insurance is the most basic and legally required cover for all vehicles in Kenya. It protects you from financial losses if your vehicle causes damage to someone else’s property or injures another person in an accident. However, it does not cover damage to your own vehicle — that’s usually covered under a comprehensive policy.

When your policy nears its expiry date (usually one year from the date of purchase), you need to renew it to remain compliant with Kenyan traffic laws. Driving without valid third-party insurance is an offence that can lead to hefty fines, impounding of your car, or even prosecution.

Renewing your cover ensures that your vehicle remains legally insured, and it also gives you peace of mind knowing you’re protected in case of an accident. With agencies like Divani Insurance, renewal is fast, digital, and straightforward — you can complete everything online without stepping into an office.

In short, renewal keeps your protection active, helps you avoid penalties, and ensures a smooth driving experience all year long.

When and How Often You Should Renew

In Kenya, third-party motor insurance is typically valid for 12 months from the date of issue. Once this period lapses, the policy must be renewed to stay legally insured. However, for some vehicle categories such as private cars, you can also buy a one-month cover if you need short-term protection — for example, when you’re planning to sell your car soon or it won’t be in regular use.

To know when to renew, check the expiry date on your insurance certificate or the reminder message from your insurer. It’s best to renew a few days before expiry to avoid any period of being uninsured, since driving even one day without valid insurance can lead to penalties or impounding by the authorities.

Here’s a quick guide:

• Private vehicles: You can renew yearly or monthly.
• Commercial vehicles (own goods or general cartage): Yearly renewal only.
• Public Service Vehicles (PSV): Yearly renewal only.
• Tour Service Vehicles (TSV): Yearly renewal only.

By keeping track of your renewal dates and choosing the right duration, you’ll stay compliant and ensure your cover never lapses.

Read Next: Buy Third Party Motor Insurance Online in Kenya

Step-by-Step: How to Renew Your TPO Cover Online with Divani

Renewing your third-party motor insurance online with Divani Insurance is quick, secure, and completely paperless. Whether you’re renewing a private, commercial, PSV, or tour vehicle policy, the process takes just a few minutes.

Here’s how to do it:

Visit the Divani Insurance Website

Go to our official website and select the Motor Third Party (TPO) product from the list of insurance covers.

Select Your Coverage Type

Choose your vehicle category — private, commercial, PSV, or TSV — and pick the duration (monthly or yearly, where applicable).

Fill in Your Vehicle Details

Enter your vehicle registration number, ID or passport number, and any other required details accurately. These help us verify and process your renewal quickly.

Proceed to Payment

Pay securely through Lipa na Mpesa (Paybill or STK push). Our system will automatically confirm your payment.

Upload Required Documents

After payment, you’ll be redirected to upload your KRA PIN, ID/Passport, and Logbook (for motor insurance). Don’t worry — your documents are safely stored for future renewals.

Processing and Delivery

Our team will process your renewal and reach out if any additional details are needed. Once approved, you’ll receive your insurance certificate and policy directly by email or WhatsApp — no paperwork or office visit needed.

Automatic Renewal Reminders

Before your next expiry date, we’ll send you automatic reminders so you can renew on time and stay covered all year round.

With Divani, renewing your TPO cover is as easy as shopping online — fast, transparent, and trusted by drivers across Kenya.

Paying in Installments (For Annual Policies)

We understand that paying for a full-year policy at once can sometimes feel heavy, especially when balancing other expenses. That’s why Divani Insurance gives you the flexibility to pay for your annual third-party policy in affordable installments — making it easier to stay insured without strain.

If you choose an annual cover, you can spread your payment over manageable periods while still keeping your insurance active. This option is particularly useful for commercial vehicle owners or PSV operators who manage several vehicles at once and want to maintain compliance without disrupting cash flow.

To access this option, simply:

1. Select the annual cover during renewal.
2. Indicate that you’d like to pay in installments.
3. Our team will contact you to discuss the payment plan and guide you through the next steps.

Once you make your first payment, your cover is activated, and you’ll receive your certificate — ensuring you can get back on the road immediately.

This flexible payment option helps you stay compliant, insured, and financially balanced, while still enjoying all the benefits of a full-year policy.

How Divani Simplifies Renewal for You

Renewing insurance doesn’t have to be complicated or time-consuming — and at Divani Insurance, we’ve made sure it isn’t. Our process is built for convenience, transparency, and trust, giving you a smooth experience from start to finish.

Here’s how we make it easier for you:

• Everything Happens Online
  You can renew your third-party cover anytime, anywhere — from your phone or computer. No queues, no paperwork, no wasted time.
• Secure Lipa na Mpesa Payments
  You pay directly through Lipa na Mpesa, Kenya’s most trusted payment method. The transaction is instant, safe, and verified.
• Fast Processing
  Once you make payment and upload your documents, we process your renewal quickly. Most customers receive their certificate the same day.
• Digital Delivery
  Your insurance certificate and policy are sent via email or WhatsApp, so you can easily print or store them for police inspection or future reference.
• Automatic Renewal Reminders
  We send you reminders before your cover expires, so you never risk driving uninsured.
• Trusted Partnerships
  Divani works with top-rated insurance companies in Kenya to offer reliable and affordable TPO covers for all vehicle types.

With Divani, you can forget the old, stressful renewal process. It’s all done online — simple, fast, and secure, so you can focus on what matters: staying protected on the road.

Common Renewal Mistakes to Avoid

Renewing your third-party motor insurance online is simple, but a few small oversights can cause delays or even make your cover invalid. Here are the most common mistakes drivers make — and how you can avoid them:

1. Renewing After Expiry
   Many motorists wait until their cover has already expired before renewing. This leaves you exposed and at risk of penalties if stopped by traffic officers. Always renew a few days before your policy lapses to stay continuously covered.
2. Using the Wrong Vehicle Details
   Entering incorrect registration numbers, ID numbers, or logbook information can delay processing. Double-check every detail before submitting your renewal form.
3. Forgetting to Upload Required Documents
   After paying, ensure you upload your KRA PIN, ID or Passport, and logbook where needed. Missing documents often cause unnecessary delays in issuing your certificate.
4. Not Confirming Payment
   Always confirm that your Lipa na Mpesa payment went through successfully. If your internet connection drops or the transaction fails, your renewal won’t be completed.
5. Ignoring Renewal Reminders
   Divani sends reminders before your policy expires — but some clients miss or ignore them. Set a personal reminder as backup to ensure your insurance never lapses.
6. Buying from Unverified Sources
   Be cautious of brokers or agents who promise cheap covers without proper credentials. Always renew through verified platforms like Divani Insurance, where your payment and certificate are guaranteed.

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

Benefits of Renewing Online vs Visiting an Office

Renewing your third-party motor insurance online has completely changed how Kenyan drivers manage their coverage. Gone are the days of long queues, endless paperwork, and wasting fuel to visit an office. With platforms like Divani Insurance, everything happens at your convenience — fast, safe, and fully digital.

Here’s why renewing online is the better choice:

1. Convenience, Anytime and Anywhere
   Whether you’re at home, in traffic, or at work, you can renew your cover in minutes using your phone or computer. No need to take time off or travel to an agent’s office.
2. Fast and Paperless
   Online renewal is fully digital — from payment to certificate delivery. You receive your insurance certificate instantly via email or WhatsApp, ready for printing or mobile storage.
3. Secure Payments
   Using Lipa na Mpesa ensures your transaction is safe, traceable, and verified. You don’t have to carry cash or worry about fake receipts.
4. Automatic Record Keeping
   All your details, documents, and renewal history are securely stored in our system. This means next time, renewal takes even less time — just confirm details and pay.
5. Transparent Pricing and Packages
   Online renewal allows you to compare available packages, coverage options, and benefits before purchasing. You know exactly what you’re paying for.
6. Automatic Renewal Reminders
   With Divani, you’ll never miss your expiry date again. We send reminders ahead of time, giving you enough notice to renew easily.
7. Support When You Need It
   Even though the process is online, our team is always available via phone or WhatsApp to guide you if you need help.

In short, renewing online saves you time, effort, and money, while giving you instant access to verified insurance from trusted Kenyan providers — all through a few clicks on Divani.

When to Consider Upgrading to Comprehensive Cover

While third-party motor insurance is the minimum legal requirement in Kenya, it only covers damage or injury caused to other people or their property — not your own vehicle. For many drivers, that’s enough. But if your car holds significant value or you want extra protection, it may be time to upgrade to comprehensive cover.

Here are a few situations when upgrading makes sense:

1. Your Vehicle Is Relatively New or Valuable
   If you’ve invested a lot in your vehicle, a comprehensive cover protects you from losses due to theft, fire, or accidental damage — not just third-party claims.
2. You Drive Frequently or Over Long Distances
   More time on the road increases your exposure to risk. Comprehensive insurance ensures you’re covered for damage even when you’re at fault.
3. You Park in Public or High-Risk Areas
   Cars parked in open or unsecured areas face greater risk of theft or vandalism. Comprehensive cover gives you peace of mind against such risks.
4. You Want Full Financial Protection
   If an accident occurs, third-party insurance won’t help you repair or replace your vehicle. Comprehensive cover shields you from unexpected repair costs.
5. You Want Convenience and Confidence
   Comprehensive policies often come with extra benefits — towing, roadside assistance, and more — giving you support when you need it most.

If you’re not sure which option is right for you, Divani Insurance can help you compare both covers. You can even start with third-party protection and upgrade later when it fits your needs or budget.

Frequently Asked Questions (FAQs)

1. How do I know when my third-party motor insurance expires?

Check the expiry date on your digital insurance certificate or look out for reminder messages from Divani Insurance. It’s always best to renew a few days before the expiry date.

2. Can I renew my third-party cover before it expires?

Yes. Renewing before expiry is recommended to avoid any lapse in coverage and to remain legally compliant on Kenyan roads.

3. Can I pay for my annual policy in installments?

Absolutely. Divani offers installment payment options for full-year policies, allowing you to spread the cost while keeping your cover active.

4. How long does it take to receive my renewed insurance certificate?

Once your payment and documents are processed, you will receive your digital insurance certificate instantly via email or WhatsApp.

5. What documents do I need to renew my TPO insurance online?

You’ll need your KRA PIN, ID/Passport, and Logbook (for motor insurance). Divani stores these securely for future renewals, so you don’t have to re-upload every time.

6. Can I renew my one-month cover online?

Yes, for eligible private vehicles, you can renew a one-month TPO cover online through Divani’s platform.

7. Is the digital insurance certificate valid for police checks and NTSA verification?

Yes. Digital certificates issued by Divani are fully legal and accepted by both NTSA and traffic police.

8. What happens if I miss my renewal date?

Driving with an expired TPO policy is illegal. You may face fines, impounding of your vehicle, or prosecution. Renewing promptly avoids these risks.

9. Can I renew multiple vehicles at once?

Yes, Divani allows you to renew multiple vehicles online, including private, commercial, PSV, and TSV vehicles. Each vehicle will receive its own certificate.

10. How do I upgrade from third-party to comprehensive cover?

If you wish to upgrade, Divani can guide you through the process. You can compare packages online, pay securely, and receive your comprehensive certificate digitally.

11. Can I contact Divani if I have questions during renewal?

Yes. Our support team is available via phone, WhatsApp, or email to assist with any questions or issues during the renewal process.

12. Are my personal details and documents safe with Divani?

Absolutely. Divani stores all personal information securely, and our platform complies with data protection standards, ensuring your documents remain safe for future renewals.

Conclusion

Renewing your third-party motor insurance doesn’t have to be stressful or time-consuming. With Divani Insurance, you can complete your renewal quickly, securely, and entirely online, whether you drive a private car, commercial vehicle, PSV, or tour van. Staying on top of your renewal ensures you remain legally compliant, avoids unnecessary fines, and keeps you protected on Kenya’s roads.

By following the simple steps outlined in this guide — checking your expiry date, submitting the required documents, and making secure payments via Lipa na M-Pesa — you can have your digital insurance certificate in minutes. Plus, with automatic reminders and secure document storage, future renewals are even easier.

Don’t wait until your cover expires. Renew your third-party motor insurance today with Divani Insurance and enjoy peace of mind, instant digital delivery, and hassle-free compliance.