Motor Insurance

Renewing Your Motor Vehicle Insurance Policy in Kenya: Dos and Don’ts

Renewing Your Motor Vehicle Insurance Policy in Kenya: Dos and Don'ts

Renewing your motor vehicle insurance policy is a vital responsibility for every vehicle owner in Kenya. It ensures that you maintain continuous insurance coverage, enabling financial protection against accidents, damages, and third-party liabilities. While the renewal process may seem straightforward, there are important dos and don’ts that vehicle owners should be aware of to make the most of their insurance policy.

In this guide, we will explore the essential dos and don’ts of renewing your motor vehicle insurance policy in Kenya, empowering you to make informed decisions and safeguard your vehicle and yourself on the roads.


Start the Renewal Process Early

Avoid the last-minute rush and start the renewal process early. Initiate the process at least a few weeks before your current policy’s expiry date. This gives you ample time to explore insurance options, compare premiums, and make a well-thought-out decision.

Review Your Current Coverage

Before renewing your motor vehicle insurance, review your current coverage. Assess whether it adequately meets your needs and if there have been any changes in your driving habits or vehicle usage that require adjustments to the coverage. Take note of any additional add-ons or riders that may benefit you.

Compare Insurance Options

Renewal time is an excellent opportunity to compare insurance options from different providers. Obtain quotes from multiple insurance companies and compare coverage, premiums, and benefits. Remember that the cheapest policy may not always offer the most comprehensive coverage.

Read Next: A Comprehensive Guide to Motor Vehicle Insurance Policies in Kenya

Consider No-Claim Bonus (NCB)

If you have not made any claims during your policy period, you may be eligible for a No-Claim Bonus (NCB) discount. Inquire about your accumulated NCB and how it can impact your renewal premium. The NCB can significantly reduce your insurance costs and should be factored into your decision-making.

Consult an Insurance Agent

If you are unsure about your renewal options or need professional guidance, consider consulting an insurance agent. Insurance agents can assist you in finding the right coverage, understanding policy terms, and making an informed decision.

Review Policy Exclusions

Pay attention to the policy exclusions listed in your insurance document. Understanding what is not covered is just as important as knowing what is covered. Seek clarifications from your insurance provider if any exclusions are unclear to avoid unpleasant surprises during claims.

Read Next: 10 Common Exclusions in Motor Vehicle Insurance Policies: Know Your Coverage

Check for Updated Vehicle Information

Ensure that all vehicle information, including make, model, registration number, and modifications, is accurate and up to date. Incorrect information may lead to claim denials or complications during the renewal process.

Read the Policy Document Carefully

Before finalizing the renewal, read the entire policy document carefully. Be aware of the terms and conditions, coverage limits, claim procedures, and other relevant details. If you have any questions or concerns, contact your insurance provider for clarification.


Don’t Let Your Policy Expire

Allowing your motor vehicle insurance policy to lapse by not renewing it on time can have serious consequences. If your policy expires, you lose all coverage benefits, and any claims filed during the lapsed period will be rejected. Moreover, renewing an expired policy may involve additional procedures and penalties.

Don’t Assume Your Current Policy is the Best Option

While it may be convenient to renew your current policy, don’t assume it is the best option available. Insurance markets change, and other providers may offer more competitive premiums or additional benefits. Always explore your options and make an informed decision.

Read Next: Comprehensive vs. Third-Party Motor Vehicle Insurance: Making the Right Choice

Don’t Ignore Add-On Covers

During renewal, consider whether additional add-on covers can enhance your protection. Add-ons like personal accident cover, zero depreciation, or engine protector can provide valuable benefits that standard policies may not include.

Don’t Withhold Information

Provide accurate and complete information to your insurance provider during the renewal process. Withholding or misrepresenting information can lead to claim denials and potential legal issues.

Don’t Rely Solely on Online Comparisons

While online comparisons can be helpful, don’t solely rely on them for decision-making. Some insurance companies may offer customized policies or discounts that are not reflected in online quotes. Consider consulting an insurance agent for personalized advice.

Don’t Skip Reading the Fine Print

Avoid the mistake of skipping or overlooking the fine print in your policy document. Understanding the details, including coverage limits, claim procedures, and exclusions, is crucial for a smooth claims experience.

Read Next: 10 Tips for Finding the Best Motor Vehicle Insurance Companies in Kenya

Don’t Delay the Renewal Process

Procrastinating the renewal process can lead to unnecessary stress and potential gaps in coverage. Start the renewal process early to have ample time for evaluation and decision-making.


Renewing your motor vehicle insurance policy in Kenya is a significant responsibility that requires careful consideration and timely action. Follow the dos, such as starting early, reviewing your coverage, and considering NCB, to make informed decisions. Avoid the don’ts, like letting your policy expire, withholding information, and assuming your current policy is the best option. By adhering to these guidelines, you can ensure continuous insurance coverage, make the most of your policy benefits, and have peace of mind on the roads of Kenya.

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