What Is Third Party Only (TPO) Motor Insurance and What Does It Cover in Kenya
Owning a vehicle in Kenya isn’t just about convenience — it also comes with a legal and financial responsibility. Every driver is required by law to have at least Third Party Only (TPO) motor insurance before taking their vehicle on the road. But what exactly does this cover, and why is it so important?
Third Party Only insurance is the most basic and affordable type of motor insurance policy available in Kenya. It protects you against claims from other people — the “third parties” — if your vehicle causes damage to their property or injures them in an accident. While it doesn’t cover damage to your own car, it ensures that you stay compliant with the law and protected from costly legal liabilities that could arise after an accident.
This article will help you understand how TPO motor insurance works, what it covers and doesn’t cover, who it’s meant for, and how to buy it online from Divani Insurance. Whether you’re a private car owner, a commercial vehicle operator, or a PSV driver, knowing the ins and outs of TPO cover can help you stay safe, legal, and financially secure on Kenyan roads.
What Is Third Party Only (TPO) Motor Insurance?
Third Party Only (TPO) motor insurance is the most basic form of car insurance required by law in Kenya under the Traffic Act (Cap 403). Simply put, it protects other people — not you or your vehicle — if you cause an accident. The “third party” in this case refers to anyone who suffers loss, injury, or damage as a result of your driving.
In the event of an accident where you’re at fault, your TPO policy steps in to pay for:
- Injuries or death to other road users, including passengers, pedestrians, or occupants of another vehicle.
- Damage to third-party property, such as another person’s car, building, or roadside structure.
However, TPO insurance does not cover damage to your own car or any personal injuries you might suffer. It’s designed primarily to protect the public and shield you, the vehicle owner, from potentially devastating financial or legal consequences that could follow an accident.
In short, Third Party Only insurance is your legal minimum protection — ensuring that you can drive on Kenyan roads with peace of mind knowing you’re compliant and covered for third-party liabilities.
Why Every Vehicle in Kenya Needs Third Party Insurance
Every vehicle on Kenyan roads — whether it’s privately owned, commercial, or used for public transport — is legally required to have at least Third Party Only (TPO) motor insurance. This isn’t just a formality; it’s a crucial protection that keeps both drivers and the public safe from the financial fallout of accidents.
Here’s why this cover is essential for every motorist:
It’s a Legal Requirement
The Kenyan Traffic Act (Cap 403) makes it illegal to drive or even park an uninsured vehicle on a public road. If you’re caught without valid third-party insurance, you risk heavy fines, vehicle impoundment, or even imprisonment. Having TPO cover ensures you stay compliant and avoid unnecessary trouble with the law.
It Protects You from Financial Liability
Road accidents can lead to costly damages or injuries. Without insurance, you’d have to pay for repairs, hospital bills, or compensation claims out of pocket — which can easily run into hundreds of thousands of shillings. TPO insurance covers these third-party costs, protecting you from severe financial strain.
It Builds Trust and Responsibility
Carrying valid insurance shows you’re a responsible road user who values safety and accountability. This matters especially for businesses that operate commercial vehicles or taxis, as customers tend to trust insured operators more.
It’s Affordable and Easy to Get
Third Party Only cover is the most affordable form of car insurance in Kenya. It’s a low-cost way to stay legal and protected, especially for vehicle owners who want basic coverage without the expense of a comprehensive plan. With Divani Insurance, you can buy TPO online, receive your certificate digitally, and start driving legally the same day.
In summary, Third Party Only insurance is not just a government requirement — it’s a simple and smart step that safeguards your financial security and keeps you on the right side of the law.
Read Next: Steps to Transfer Motor Vehicle Insurance when Selling Your Car in Kenya
What Does Third Party Only (TPO) Insurance Cover?
Third Party Only (TPO) insurance is designed to protect you from the financial burden of injuring someone or damaging their property while using your vehicle. While it’s the most basic form of motor insurance, it still plays a vital role in ensuring peace of mind and legal compliance on Kenyan roads.
Here’s what a typical TPO policy covers under Kenyan insurance law:
Injury or Death to Third Parties
If your vehicle causes an accident that injures or kills another person — whether they are passengers, pedestrians, or occupants of another vehicle — your TPO cover will pay compensation to them or their families. This is the most critical part of the policy, as medical and legal costs after an accident can be substantial.
Damage to Third-Party Property
TPO insurance also covers the cost of repairing or replacing property that your vehicle damages in an accident. This could include another person’s car, a wall, a fence, or even roadside structures.
Legal Representation and Court Awards
If you are sued as a result of an accident, your insurer will provide legal support and settle any court-awarded compensation for third-party injuries or damages — up to the policy limit.
It’s important to remember that Third Party Only insurance does not cover:
- Damage to your own vehicle, even if the accident was caused by someone else.
- Theft, fire, or vandalism affecting your car.
- Personal medical expenses or injuries to you, the driver.
Essentially, TPO insurance steps in to protect others when you’re at fault — keeping you compliant with the law and financially shielded from third-party claims.
What Third Party Only (TPO) Insurance Does Not Cover
While Third Party Only (TPO) insurance fulfills the minimum legal requirement for driving in Kenya, it’s important to understand its limits. Many vehicle owners mistakenly assume that having any insurance means they’re fully protected — but TPO is strictly designed to cover losses suffered by other people, not you or your vehicle.
Here’s what TPO does not cover:
Damage to Your Own Vehicle
If your car is damaged in an accident — even one you didn’t cause — TPO will not pay for repairs or replacement. You’ll have to cover those costs yourself.
Theft or Fire
If your vehicle is stolen, broken into, or damaged by fire, your TPO policy will not compensate you. Such incidents are only covered under Comprehensive or Third Party, Fire, and Theft (TPFT) policies.
Injury or Death of the Driver
The policy does not cover your own medical costs, disability, or death resulting from an accident. To protect yourself personally, you may need a Personal Accident cover, which can be purchased alongside your TPO policy.
Damage to Goods in Transit
For commercial vehicles, TPO does not extend to cover goods being carried — whether they belong to you or a client. You’ll need separate Goods in Transit insurance for that.
Use Outside the Declared Purpose
If your vehicle is insured for private use and you use it for commercial or PSV purposes, the insurer may reject your claim. The policy applies only to the usage type declared during purchase.
Mechanical or Electrical Failures
Breakdowns or mechanical issues that occur without an accident — such as engine failure — are not covered by TPO insurance.
In summary, Third Party Only insurance gives you legal and financial protection for others but leaves your own vehicle and personal risks uncovered. If you want broader protection — against theft, fire, or damage to your car — it’s worth considering an upgrade to a more comprehensive plan.
Read Next: Comprehensive vs. Third-Party Motor Vehicle Insurance: Making the Right Choice
Types of Vehicles Eligible for TPO Cover in Kenya
In Kenya, every vehicle on the road is legally required to have at least Third Party Only (TPO) motor insurance — and all types of vehicles are eligible for this cover. Whether you own a small private car, a commercial truck, a matatu, or a tour van, TPO ensures that you meet the legal requirement and are financially protected against third-party liabilities.
However, at Divani Insurance, we’ve tailored our TPO product to suit the most common categories of vehicle owners in Kenya. Each category has flexible options depending on the type of use and cover period needed:
Private Vehicles
- Coverage options: Full year (12 months) or one-month cover (for private use only).
Perfect for everyday car owners who want flexibility — whether you need short-term cover for a month or annual protection with easy installment payments.
Commercial Vehicles
- Vehicles covered: Trucks, pickups, or vans used to carry own goods or for hire (general cartage).
- Coverage option: Full year cover only.
Ideal for business owners or transport operators who need continuous protection for vehicles used in commercial activities.
Public Service Vehicles (PSV)
- Vehicles covered: Taxis and private hire cars.
- Coverage option: Full year cover only.
Ensures compliance with PSV licensing requirements while providing liability protection for passengers and third parties.
Tour Service Vehicles (TSV)
- Vehicles covered: Tour vans and safari vehicles used for tourism activities.
- Coverage option: Full year cover only.
Tailored for tourism operators who need to stay compliant and insured throughout the year.
So while all vehicles in Kenya can legally be insured under TPO, Divani’s product is specifically structured to cater to the most common private, commercial, and service vehicle categories — giving each group affordable, straightforward options with quick digital issuance and flexible payments.
How to Buy or Renew Third Party Only (TPO) Insurance Online in Kenya
Buying or renewing your Third Party Only (TPO) motor insurance in Kenya has never been easier. At Divani Insurance, the entire process is 100% online — no paperwork, no queues, and no middlemen. Whether it’s your first time buying cover or you’re renewing an existing policy, you can complete everything from the comfort of your phone or computer.
Here’s how it works step by step:
Divani’s TPO Product
Go to the Motor TPO Insurance product page. You’ll find all coverage options clearly listed, including one-month and full-year plans.
Select Your Vehicle Type and Coverage Option
Choose whether your vehicle is private, commercial, PSV, or TSV, and select the appropriate coverage duration. Private vehicle owners can choose between one-month or full-year plans, while others can proceed with the annual cover.
Enter Your Vehicle and Contact Details
Fill in basic information such as your vehicle registration number, make and model, and personal contact details (email and phone number). This ensures your policy and e-certificate are issued correctly.
Confirm Your Premium and Proceed to Payment
The system automatically calculates your premium. You can then pay securely via M-Pesa (STK push or paybill) or other listed payment options. Divani also allows flexible installments for full-year private vehicle covers.
Receive Your Digital Insurance Certificate
Once payment is complete, your policy and digital certificate are sent via Email and WhatsApp. You can download and print the certificate for display on your windshield.
Renewals Made Easy
When your policy is due for renewal, Divani sends timely reminders via SMS or email. You can renew instantly by clicking the renewal link, confirming your details, and making payment — no need to re-enter everything.
Buying or renewing your Third Party Only insurance online is not just convenient — it ensures you stay legally covered at all times without the hassle of visiting an insurance office.
Benefits of Choosing Divani’s TPO Cover
When it comes to Third Party Only (TPO) motor insurance in Kenya, Divani Insurance stands out for its simplicity, reliability, and customer-centered approach. Our goal is to make insurance easy, fast, and accessible for every driver — whether you’re renewing your annual cover or buying short-term protection for your private car.
Here’s why thousands of Kenyan motorists trust Divani for their TPO insurance:
100% Online Process — No Paperwork or Office Visits
From getting a quote to receiving your certificate, everything happens online. You can buy or renew your TPO cover in minutes from your phone or laptop — no need to queue or fill out forms manually.
Instant Digital Certificate
Once payment is confirmed, your insurance certificate is delivered instantly via Email and WhatsApp, ready for download or printing. You can display it on your windshield immediately — no waiting period.
Flexible Payment Options
For private vehicles, Divani allows you to pay your annual premium in two monthly installments. This flexibility helps you stay covered without straining your budget.
Short-Term Option for Private Vehicles
Not everyone needs a full-year policy. Divani offers a one-month TPO cover for private use vehicles — perfect for drivers who need temporary cover for short-term use or when planning a vehicle sale or renewal transition.
Wide Coverage for All Vehicle Types
Divani’s TPO plans are available for private, commercial, PSV, and tour service vehicles, ensuring everyone can stay compliant and protected.
Quick Support and Renewal Reminders
Divani keeps you updated with automatic renewal reminders through SMS or email, so your cover never lapses. Plus, our support team is always available via WhatsApp or call if you need help at any step.
Trusted and Licensed Partner
Divani Insurance works only with licensed underwriters approved by the Insurance Regulatory Authority (IRA) of Kenya, ensuring your policy is valid and recognized nationwide.
In short, Divani combines technology, convenience, and trust to deliver a TPO insurance experience that fits modern life. You stay compliant, protected, and in control — without the stress and delays of traditional insurance processes.
Common Myths About TPO Insurance in Kenya
Despite being the most common and legally required type of motor insurance in Kenya, Third Party Only (TPO) cover is often misunderstood. Many drivers either underestimate what it offers or assume it covers more than it actually does. Clearing up these myths can help you make smarter insurance decisions and avoid surprises when filing a claim.
Here are the most common myths — and the truth behind them:
Myth 1: TPO Covers My Own Car Too
Reality: It doesn’t. TPO insurance only covers injuries or damage caused to other people or their property if you’re at fault in an accident. It does not cover repairs, theft, or damage to your own vehicle.
Myth 2: TPO Is Only for Old or Cheap Cars
Reality: While many people choose TPO for older vehicles, it’s also a smart option for newer cars if you want to meet the legal requirement at a lower cost. Some owners of high-value cars take TPO temporarily when their vehicles are not in frequent use or are being sold.
Myth 3: It’s the Same Price Everywhere
Reality: Premiums vary slightly depending on the insurer and the type of vehicle. At Divani Insurance, TPO is priced transparently and affordably, with flexible options such as monthly payments for private vehicles.
Myth 4: TPO Doesn’t Offer Legal Protection
Reality: In fact, one of the main advantages of TPO is that it covers legal liabilities. If you’re sued after an accident, your insurer provides legal support and pays for court-awarded damages to third parties — up to the policy limit.
Myth 5: It’s Hard to Get or Renew TPO
Reality: With Divani’s digital process, getting or renewing TPO insurance is quick and paperless. You can complete the entire process online and receive your certificate instantly via Email or WhatsApp.
Myth 6: I Don’t Need TPO If I Drive Rarely
Reality: The law requires every vehicle on public roads to have valid insurance — regardless of how often you drive. Even one trip without insurance could lead to fines or impoundment if stopped by traffic police.
Understanding these facts helps drivers see that TPO isn’t just a basic legal checkbox — it’s a vital safety net that protects you from financial and legal risks every time you’re on the road.
When to Consider Upgrading from Third Party Only (TPO) to Comprehensive Insurance
While Third Party Only (TPO) insurance is an affordable and legally required option, it doesn’t offer protection for your own vehicle. At some point, many motorists realize that basic coverage is not enough — especially when the value of their car or their exposure to risk increases.
Here’s when it makes sense to consider upgrading from TPO to Comprehensive insurance:
When Your Vehicle Has Significant Value
If your car is new, recently purchased, or still holds high market value, a comprehensive policy is the wiser choice. It covers not just third-party liabilities but also damage to your own car from accidents, theft, or fire — saving you from major out-of-pocket costs.
When You Rely on Your Car Daily
If your vehicle is central to your daily life or business — commuting, deliveries, or customer transport — you’ll want broader protection. A comprehensive cover ensures you can repair or replace your car quickly after an accident and get back on the road with minimal disruption.
When You Park or Drive in High-Risk Areas
Living or working in areas with high theft, vandalism, or accident rates increases your risk exposure. Comprehensive insurance gives you peace of mind knowing you’re covered even when damage happens without a collision.
When You’ve Taken a Car Loan or Financing
Most banks and car financing institutions require comprehensive cover to protect their interest in the vehicle until the loan is repaid. If you’re under financing, upgrading is usually mandatory.
When You Want Personal Protection Too
Comprehensive policies often include add-ons like personal accident cover, windscreen protection, or towing services. These extras give you safety and convenience that TPO alone can’t offer.
When You Want Long-Term Peace of Mind
With comprehensive insurance, you don’t just comply with the law — you protect your investment. It’s a smarter financial decision for vehicle owners who prefer to manage risk upfront rather than deal with unexpected losses later.
Tip: You don’t have to wait for your current TPO policy to expire. Divani Insurance can help you upgrade anytime by paying the difference in premium, ensuring your vehicle enjoys continuous, enhanced protection.
Read Next: A Comprehensive Guide to Motor Vehicle Insurance Policies in Kenya
Frequently Asked Questions (FAQs) About Third Party Only (TPO) Insurance in Kenya
1. What is Third Party Only (TPO) motor insurance?
TPO insurance is the minimum legal requirement for all vehicles on Kenyan roads. It covers injury, death, or property damage caused to other people by your vehicle, but it does not cover damage to your own car.
2. Is Third Party Only insurance mandatory in Kenya?
Yes. According to the Insurance (Motor Vehicles Third Party Risks) Act, every motor vehicle driven on a public road in Kenya must have at least a valid TPO cover. Driving without one can lead to fines, impoundment, or prosecution.
3. Does TPO insurance cover passengers in my vehicle?
Yes, it covers third-party passengers — meaning people other than the driver or owner. For private vehicles, it includes passengers carried legally. For PSVs and tour vans, it includes fare-paying passengers within the policy limits.
4. Can TPO insurance cover my own car’s damages?
No. TPO only compensates third parties for injuries or damages caused by your vehicle. If you want coverage for your own car, you’ll need to upgrade to Comprehensive or Third Party, Fire & Theft (TPFT) insurance.
5. How long does it take to get my TPO certificate after payment?
With Divani Insurance, your digital certificate is sent via Email and WhatsApp shortly after payment. You can print it immediately for display on your windshield.
6. Can I buy TPO insurance for one month only?
Yes — but only for private use vehicles at Divani. This option is perfect for short-term use, selling your vehicle, or renewing while you plan for a full-year cover.
7. Can I pay my annual TPO premium in installments?
Yes. Divani allows two monthly installments for full-year private vehicle policies, making it easier to stay insured without financial strain.
8. What happens if I forget to renew my TPO insurance?
Once your cover expires, your vehicle is considered uninsured — even if it’s just one day late. Divani helps prevent this by sending SMS and email reminders before your renewal date, so you stay continuously protected.
9. How can I confirm if my insurance certificate is genuine?
You can verify your cover through the Insurance Regulatory Authority (IRA) or directly contact Divani Insurance for confirmation. Divani only issues policies backed by licensed and IRA-approved underwriters.
10. What’s the difference between TPO and Comprehensive insurance?
- TPO: Covers third-party injuries and property damage only.
- Comprehensive: Covers third parties plus your own car’s damage, theft, fire, and more.
11. Can I upgrade from TPO to Comprehensive before my policy expires?
Yes. You can upgrade at any time by paying the difference in premium. Divani will help you transition seamlessly without any loss of coverage.
12. Is TPO insurance valid across Kenya?
Absolutely. Once issued, your TPO policy is valid nationwide, allowing you to drive freely across all counties — as long as your vehicle is used within the declared purpose (private, commercial, PSV, or TSV).
Conclusion: Drive Smart, Stay Legal, and Protect What Matters
Third Party Only (TPO) insurance isn’t just a legal requirement — it’s a smart, affordable way to ensure you’re protected from unexpected liabilities on the road. Whether you’re a daily commuter or an occasional driver, having active TPO cover gives you peace of mind knowing that any damage or injury caused to others is taken care of.
At Divani, we’ve simplified the process — no paperwork, no long queues, no hidden charges. You can get your TPO cover instantly online and receive your digital certificate by Email or WhatsApp within minutes. It’s insurance made simple, transparent, and accessible from anywhere in Kenya.
Get Covered Today — Instantly Online
Stay compliant, protected, and worry-free on Kenyan roads. Buy your Divani Third Party Only Motor Insurance online today — receive your digital certificate instantly and drive with confidence.