One Month Third Party Insurance in Kenya – When & Why to Choose It
What Is One Month Third Party Insurance in Kenya?
One-month third party motor insurance is a short-term cover option available to private vehicle owners in Kenya. It offers the same legal protection as a standard TPO (Third Party Only) policy but for a limited period of 30 days.
This type of cover is ideal for drivers who only need temporary protection — for example:
- You’re selling or transferring ownership of your vehicle
- You only drive occasionally or seasonally
- You’re waiting to renew or upgrade to a full-year policy
- You’re tight on budget and want legal compliance while preparing for full cover
What Does One-Month TPO Cover?
Just like annual TPO policies, the one-month option covers liability to third parties, including:
- Injury or death to other road users
- Damage to third-party property (excluding your own car)
Note: This cover does not include damage to your own vehicle, theft, or fire.
One-Month TPO Insurance Price in Kenya
The current cost for one-month third party insurance for private-use vehicles is:
KSh 1,547
This includes full legal compliance and issuance of a valid insurance certificate for 30 days.
Read next: Buy Third Party Motor Insurance Online in Kenya – Instant TPO Cover Anywhere
Required Documents (Pictures Are Accepted)
To apply for this cover online, you’ll need the following:
- A clear image of your car logbook
- A copy or photo of your National ID
- Your KRA PIN certificate
You can snap clear photos of these documents and send them via WhatsApp or email — no need for physical copies or scanning.
How to Buy One-Month Third Party Insurance Online (Step-by-Step)
Getting covered takes less than 10 minutes. Here’s how:
Fill Out the TPO Form Below
Enter your vehicle and contact details.
Submit Required Documents
Upload photos of your logbook, ID, and KRA PIN in the form. You can share these via WhatsApp or email as well.
Pay the Premium to the Insurance Company
Use the Mpesa Paybill for our licensed insurance partner to pay your one month premium directly to them for security and transparency.
Send Confirmation Message
Once you pay, input the Mpesa confirmation code for our reference.
Get Your Insurance Certificate
Your valid one-month insurance certificate will be sent via email or WhatsApp — usually in less than one hour.
Buy 3rd Party Motor Insurance Online
Why Choose Our One-Month TPO Service?
- Instant Cover in Under 1 Hour
- Zero Paperwork – 100% Online
- No Middleman Payments – Pay Direct to Insurer
- Affordable for Private Cars – Only KSh 1,547
- Nationwide Service – We Cover All of Kenya
- Live Helpline via Call or WhatsApp
- We Send Reminders Before Expiry
Upgrade Option: Full-Year Coverage with Installment Plan
Need longer cover? You can upgrade to a full-year third party policy anytime.
Full-Year Premium: KSh 7,574
- Pay KSh 4,000 now → Get a one-month certificate
- Pay remaining KSh 3,574 within 30 days → Get a full-year certificate
This flexible plan gives you instant compliance while spreading your costs.
Read next: Third Party Car Insurance Cost in Kenya – Prices Explained
Frequently Asked Questions (FAQs)
1. Can I get one-month insurance for any vehicle?
No. The one-month option is currently available only for private-use vehicles.
2. Is the one-month certificate valid with NTSA and police?
Yes. It’s a fully valid legal cover issued by a licensed insurance company.
3. How long does it take to receive the certificate?
Typically under 1 hour after payment confirmation.
4. Where do I pay for the cover?
You pay directly to the insurer — we only facilitate the process.
5. Can I pay via M-Pesa?
Yes. We provide M-Pesa Paybill or Till details for the insurer.
6. Will I get a reminder before expiry?
Yes. We send reminders to help you stay covered and avoid penalties.
7. Can I renew the one-month cover later?
Yes, you can renew for another month or upgrade to full-year cover.
8. Do I need to visit an office?
No. The entire process is 100% online — WhatsApp or email is enough.
9. What happens if I don’t pay the full balance for full-year cover?
You’ll keep the one-month cover only. Full-year certificate is issued after full payment.
10. What documents do I need for this cover?
A photo of your logbook, ID, and KRA PIN.
Get Covered Now – Fill the Form Below
Ready for instant third party cover?
Fill out the form below to request your one-month TPO insurance. Our team will assist you immediately.
100% Secure | No Paperwork | Licensed Insurer