Motor TPO Insurance for Commercial, PSV, and TSV Vehicles in Kenya
If you own or operate a commercial vehicle, taxi, matatu, or tour van in Kenya, you’ve probably heard of Motor TPO insurance—short for Third Party Only insurance. It’s the most basic and legally required cover for all motor vehicles under Kenyan law.
But beyond compliance, TPO insurance offers real protection against financial loss if your vehicle causes damage, injury, or death to other people or their property. Whether you run a delivery truck, operate a taxi, or manage a tour van, having the right TPO cover ensures you stay on the road legally and protected against unforeseen incidents.
In this guide, we’ll break down how Motor TPO insurance works for commercial, PSV, and TSV vehicles, the specific benefits of each, and how you can easily get your cover online through Divani, anywhere in Kenya, in just a few clicks.
What Is Motor TPO Insurance and Why It’s Mandatory in Kenya
Motor TPO insurance—short for Third Party Only insurance—is the minimum legal requirement for all vehicle owners in Kenya under the Motor Vehicle (Third Party Risks) Act, Cap 405. This law ensures that if your vehicle causes injury, death, or property damage to another person (the “third party”), those affected can be compensated without you having to pay out of pocket.
In simple terms, TPO insurance protects other people, not your own vehicle. It covers:
- Bodily injury or death caused to third parties.
- Property damage belonging to third parties.
If an accident happens and your vehicle is found responsible, your insurance company steps in to pay the claims up to the policy limit, shielding you from major financial loss or legal trouble.
Without valid TPO insurance, you cannot legally drive or operate your vehicle on Kenyan roads. Driving without it could lead to hefty fines, vehicle impoundment, or even imprisonment.
That’s why every vehicle—whether it’s private, commercial, PSV (Public Service Vehicle), or TSV (Tour Service Vehicle)—must have at least a Third Party Only policy in force at all times.
Understanding the Categories: Commercial, PSV, and TSV Vehicles
In Kenya, not all vehicles are classified the same way, and this matters when it comes to buying Motor TPO insurance. Each vehicle category carries different risks, uses, and regulatory requirements, which directly influence how your policy is structured. Let’s look at the three main categories beyond private vehicles: Commercial, PSV, and TSV.
1. Commercial Vehicles
Commercial vehicles are those used to carry goods either for your own business or for hire and reward (also called general cartage). Examples include pickup trucks, canters, delivery vans, and lorries.
- Purpose: Transporting goods or equipment.
- TPO Option: Full year cover only.
- Key point: This cover is essential for anyone whose business depends on the movement of goods. It protects you against third-party liabilities that could arise during deliveries or transportation work.
2. PSV (Public Service Vehicles)
PSVs are vehicles used to carry passengers for hire or reward, typically taxis, private hires, or matatus. Because they carry passengers, PSVs are exposed to higher liability risks.
- Purpose: Carrying fare-paying passengers.
- TPO Option: Full year cover only.
- Key point: A PSV TPO policy ensures that in case passengers or pedestrians are injured due to your vehicle, compensation is handled by the insurer, not out of your pocket.
3. TSV (Tour Service Vehicles)
TSVs include tour vans and safari vehicles that carry tourists or groups for leisure and travel within Kenya.
- Purpose: Transporting tourists and organized travel groups.
- TPO Option: Full year cover only.
- Key point: These vehicles often operate in varied terrains and distances. A valid TPO policy keeps operators compliant and covered in the event of accidents involving third parties or other road users.
By understanding your vehicle category, you can easily select the right Motor TPO policy under Divani Insurance and stay compliant with Kenyan law — whether you’re delivering goods, transporting passengers, or guiding visitors across the country.
Read Next: How to Renew Your Third Party Motor Insurance Online in Kenya
Why These Vehicle Types Require Specialized TPO Attention
Commercial, PSV, and TSV vehicles all operate under different conditions and risk levels compared to private cars — and that’s why they require tailored Third Party Only (TPO) coverage. The nature of how these vehicles are used increases both the frequency and severity of potential claims, making specialized attention not just important but essential.
1. Higher Exposure to Public Interaction
Vehicles that move goods or carry passengers interact with the public far more often than private cars. This constant exposure — on busy highways, city streets, or rural routes — increases the likelihood of accidents involving pedestrians, passengers, or other vehicles. A specialized TPO policy ensures that these interactions are properly covered for third-party injuries or property damage.
2. Business and Legal Compliance
For business vehicles, TPO insurance isn’t just about protection — it’s a license to operate legally. Without valid coverage, a commercial vehicle risks loss of business, fines, or even license suspension. Transport companies and tour operators also face compliance audits, where proof of insurance is a key requirement. Having the right TPO coverage helps maintain both legal and professional credibility.
3. Passenger and Public Safety Obligations
For PSVs and TSVs, safety responsibilities extend beyond the driver — they include every passenger on board. A tailored TPO policy ensures that, in case of injury or death, passengers are fairly compensated, safeguarding both the owner’s reputation and business continuity.
4. Different Risk Profiles and Premium Ratings
Insurance companies assess risk based on how a vehicle is used. A delivery truck hauling goods daily faces different hazards than a tour van transporting visitors across parks. Specialized TPO attention allows insurers to price premiums fairly and define coverage terms clearly based on real-world usage.
5. Protection Against Costly Third-Party Claims
Without proper TPO coverage, an accident involving your business vehicle could result in expensive court cases or settlements. These claims often involve multiple injured parties or damaged property — especially for PSVs and TSVs. The right TPO policy prevents financial strain and legal complications by ensuring your insurer handles these claims efficiently.
In short, specialized Motor TPO insurance gives every vehicle category the right level of protection and compliance it needs, ensuring peace of mind for business owners, drivers, and passengers alike.
Read Next: Why Third Party Only Insurance Makes Sense in Kenya
Step-by-Step: How to Get Covered Online
Getting Motor TPO insurance no longer needs multiple trips to an insurance office. With Divani Insurance, you can complete the entire process online from anywhere in Kenya, fast, secure, and hassle-free. Here’s how it works:
Step 1: Select Your Vehicle Category
Start by choosing the right option for your vehicle:
- Private Vehicle – available for a full year or one-month cover.
- Commercial Vehicle – used for carrying own goods or for hire (general cartage), available for a full year only.
- PSV (Taxi/Private Hire) – full year cover only.
- TSV (Tour Van) – full year cover only.
Selecting the right category ensures your policy matches how your vehicle is used and keeps you legally compliant.
Step 2: Fill in Your Vehicle and Personal Details
Once you’ve selected the product, fill in the short form with your vehicle registration, ID/Passport number, and contact details. This helps the insurer prepare your policy document correctly and verify your ownership details.
Step 3: Pay Securely Using Lipa na M-Pesa
After confirming your details, you can pay instantly using Lipa na M-Pesa — safe, convenient, and available to anyone across Kenya. You’ll receive a confirmation of your payment right away.
Step 4: Upload Your Required Documents
After payment, you’ll be redirected to a secure upload page to submit the necessary documents:
- KRA PIN
- ID/Passport
- Logbook (for motor insurance policies)
These are required by insurers for verification and compliance with the Insurance Regulatory Authority (IRA).
Step 5: Receive Your Policy Confirmation
Once your documents are verified, your Motor TPO insurance certificate will be issued and shared electronically. You’re now fully covered and legally allowed to be on the road.
Why Online Works Better
- Fast turnaround: Get covered in minutes, not days.
- Nationwide access: From Nairobi to Mombasa, Eldoret to Kisumu — you can apply from anywhere.
- Transparent process: Know exactly what you’re paying for and what you’re covered against.
Getting your Motor TPO insurance through Divani means no queues, no paperwork headaches — just quick, legitimate coverage you can trust.
Key Differences Between Private, Commercial, PSV, and TSV Covers
Although all these vehicle types fall under Motor TPO insurance, the use and risk exposure of each determines how the cover is structured. Understanding the differences helps you select the right policy for your needs and ensures compliance with Kenyan road and insurance regulations.
Here’s a simple breakdown of how each cover differs:
| Vehicle Type | Purpose/Use | TPO Cover Option | Who It’s For | Typical Risks Covered |
|---|---|---|---|---|
| Private Vehicles | Personal or family use only | Full year or one-month cover | Individual car owners who use vehicles for personal transport | Third-party injury, death, or property damage during personal use |
| Commercial Vehicles | Carrying own goods or goods for hire (general cartage) | Full year cover only | Business owners, delivery firms, logistics companies | Third-party injury or damage during goods transport or business use |
| PSV (Public Service Vehicles) | Carrying passengers for hire (taxis, private hires, matatus) | Full year cover only | Taxi operators, matatu owners, ride-hailing drivers | Passenger and pedestrian injury, property damage caused by the insured vehicle |
| TSV (Tour Service Vehicles) | Transporting tourists and travel groups | Full year cover only | Tour operators, travel companies, safari service providers | Third-party injuries or property damage involving tourists or other road users |
Key Takeaways
- Private Vehicles Have Flexible Options: You can choose between one-month or annual cover depending on your budget and usage frequency.
- Commercial, PSV, and TSV Vehicles Require Full-Year Cover: Due to their continuous business use and higher exposure, insurers only provide annual options for these categories.
- Different Risk Environments: A delivery truck, a taxi, and a tour van each operate in unique conditions — which is why policy terms, pricing, and documentation requirements differ.
- All Policies Are Legally Mandatory: Regardless of the category, having a valid TPO cover is essential to operate on Kenyan roads.
Choosing the correct policy type through Divani ensures you’re properly protected, compliant, and confident while running your vehicle or business.
Frequently Asked Questions (FAQs) About Motor TPO Insurance in Kenya
1. What exactly does Third Party Only (TPO) insurance cover?
TPO insurance covers injury, death, or property damage caused to other people (third parties) due to your vehicle. It does not cover damage to your own vehicle or personal injuries to the driver or owner.
2. Is Motor TPO insurance mandatory in Kenya?
Yes. Under the Motor Vehicle (Third Party Risks) Act, Cap 405, every vehicle on Kenyan roads must have valid third-party insurance. Driving without it can lead to hefty fines, vehicle impoundment, or imprisonment.
3. Can I buy Motor TPO insurance for a month instead of a year?
Yes — but only for private vehicles. Divani offers flexible options where you can choose a one-month or full-year TPO cover depending on your needs and budget. Commercial, PSV, and TSV vehicles can only take annual cover.
4. What documents do I need to get TPO insurance online?
You’ll need:
- A copy of your KRA PIN
- A copy of your National ID or Passport
- A copy of your logbook (for motor insurance verification)
These documents are uploaded after you’ve placed your order and completed payment.
5. How do I pay for my TPO policy online?
Payment is made easily and securely through Lipa na M-Pesa. Once your payment is confirmed, you’re redirected to upload your documents and receive your policy confirmation.
6. Can I buy TPO insurance if my vehicle is registered for commercial use?
Absolutely. Divani provides TPO cover for commercial vehicles, including those carrying goods for hire or for your own business (general cartage). You simply select the “Commercial Vehicle” option when placing your order.
7. Does TPO cover my passengers in case of an accident?
Yes, for PSV and TSV vehicles, passengers are considered third parties. This means any injury or death claims involving passengers are covered under your TPO policy.
8. What happens if I’m caught driving without a valid TPO cover?
Driving without TPO insurance is a criminal offense in Kenya. You risk:
- Fines or court penalties
- Vehicle impoundment
- Possible imprisonment
- Personal liability for all damages and injuries caused
Always ensure your insurance certificate is valid and up to date.
9. Can I upgrade from TPO to Comprehensive cover later?
Yes. You can start with TPO (especially if you’re on a budget) and later upgrade to Comprehensive or Third Party, Fire & Theft cover for broader protection. Divani can help you make the transition smoothly when you’re ready.
10. How long does it take to receive my policy after payment?
Once you’ve paid and uploaded your documents, your policy is processed within a short time (usually within the same day). You’ll receive your insurance certificate electronically, and your coverage begins immediately after issuance.
11. Can I use this policy anywhere in Kenya?
Yes. Divani’s Motor TPO policies are valid nationwide, meaning you’re legally covered to drive on any Kenyan road as long as your vehicle falls under the correct category.
12. Why should I buy my TPO cover through Divani Insurance?
- 100% online process — no queues or paperwork
- Secure M-Pesa payment system
- Instant policy confirmation after document upload
- Nationwide accessibility
- Partnered with top-rated insurance companies in Kenya for quality and reliability
Conclusion: Get Your Motor TPO Cover Online Today — Fast, Legal, and Reliable
Whether you’re driving a private car, operating a delivery truck, managing a taxi, or running a tour van, Motor TPO insurance isn’t just a legal requirement — it’s your shield against unexpected third-party costs and liabilities.
With Divani Insurance, getting covered has never been easier. You can buy your policy entirely online, pay securely via Lipa na M-Pesa, and upload your documents in minutes — no queues, no paperwork, no delays.
We’ve partnered with leading insurance companies in Kenya to give you trusted, affordable TPO options for every vehicle type — from private to commercial, PSV, and TSV.
Get Covered Now — Anywhere in Kenya
Choose your vehicle type
Pay securely via Lipa na M-Pesa
Upload your KRA PIN, ID/Passport, and Logbook
Receive your insurance certificate online