If you are like most car owners in the country, the coverage under third party only motor private insurance is not clear.
This article discusses the scope of cover of the TPO (third party only) motor private insurance and how you can get a TPO certificate for your car today.
- What is Third Party Only Motor Insurance ↴
- Comparison with Comprehensive Insurance ↴
- What TPO Motor Insurance Covers ↴
- What TPO Motor Insurance Does Not Cover ↴
- 3rd Party Car Insurance Frequently Asked Questions ↴
- Get Your Motor Private TPO Certificate Today ↴
One month cover: private vehicles only
Full year cover: private and commercial vehicles
What is Third Party Only Motor Vehicle Insurance?
The TPO cover is the minimum required insurance for motor vehicles in Kenya. It protects you from legal liabilities that may arise from causing injuries or deaths to other people or damaging their property.
Anyone who’s not you, employed by you, or related to you is considered a third party. Hence the name of the policy.
Comparison Between TPO and Comprehensive Motor Insurance
The other common type of motor vehicle insurance in Kenya is comprehensive cover. Unlike TPO, comprehensive motor vehicle insurance is, as you’d guess, more comprehensive.
In addition to what’s covered under TPO, the comprehensive policy also covers your vehicle against fire, theft, accidental loss or damage, and malicious damages. Since the policy offers more benefits, it is also more expensive.
What TPO Motor Private Insurance Covers
As pointed out before, the third party only motor private insurance covers the interests of third parties – not yours.
This means that in case of an accident involving your vehicle and another person’s, your insurance company will only cater to the losses, damages, or injuries of the other person.
You will have to pay for any injuries, damages, or losses you incur.
Put simply, the TPO motor insurance policy covers you or any authorized driver of your insured vehicle against legal liability for damages, including related expenses, for death or bodily injury to any person and damage to other people’s property.
It’s worth noting that there are limits to the extent to which the insurance company will provide this coverage.
What TPO Motor Private Insurance Does Not Cover
Under this policy, the insurance company will not pay for:
- Death of or bodily injury to any person in your employment arising out of or in the course of such employment
- Death of or bodily injury to the insured (you) or any person in your household
- Death of or bodily injury to any person driving the vehicle or in charge of driving the vehicle
- Damage to property held in your trust, control, or custody or belonging to you or any member of your household
Read Next: Motor Vehicle Insurance in Kenya (Explained)
Third Party Motor Insurance Frequently Asked Questions
What is the cost of 3rd party car insurance in Kenya?
The cheapest TPO motor insurance on our panels of insurers is KES 7,574 for a one year cover. Get your certificate today.
Can I pay for Third Party Motor Insurance in installments online?
Yes, you can pay for your third party insurance in installments with Divani. For the KES 7,574 full year third party insurance, you will pay at least KES 4,000 and get a one-month certificate which will be extended to the full year upon payment of the outstanding premium. Simply fill the purchase form below and indicate the amount paid.
Who is a third party in motor insurance?
Anyone who’s not you, employed by you, or related to you is considered a third party.
Can I drive my car with third party insurance?
Yes, you can. TPO insurance is the minimum level of coverage you need to have in Kenya.
Can I buy one month third party insurance in Kenya?
Yes, you can. Better yet, you can buy your one month TPO certificate for your car today.
How can I buy 3rd party car insurance online in Kenya?
You can easily buy a TPO certificate on Divani today. Provide the required information and pay the premium directly to the insurer. We will share the certificate with you via email and WhatsApp immediately after it’s ready.
When should you buy 3rd party only car insurance?
TPO motor insurance is the best option for you if you want a cheaper option for insurance before using your car or if your car is more than 15 years from the year of manufacture.
It’s worth noting, however, that the benefits under TPO are limited compared to those under comprehensive motor insurance.