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Third Party Only (TPO) car insurance protects you from costs arising out of damage to third party property and injuries to third party persons injury. Finding the best insurance cover can be confusing but we have made it quick and easy, compare all the rates, benefits, excess costs online and buy online instantly.


Compare third party motor vehicle insurance quotes from leading and most trusted insurance providers in Kenya. Get additional benefits like emergency medical expenses limits on your policy and more, all online.


Our experienced service team guide you on how to choose the best insurance cover for your motor vehicle by comparing all the policy benefits, providers to find you the best price for your requirements.


B. Mahesh, Nairobi

J. Njoroge, Nairobi

M. Mworia, Nairobi

Murtaza Abbas, Nairobi

comprehensive insurance Kenya

Compare Third Party Only Motor Vehicle Insurance Quotes In Kenya

It is mandatory in Kenya that any motor vehicle on the road must have a minimum level of insurance. According to the Kenya Traffic Act Chapter 405 any vehicle must have the minimum of Third Party Only (TPO) motor vehicle insurance. This covers the insured against costs, charges and expenses from third parties if the vehicle is involved in a road accident or any such event that may cause loss to members of the public. These costs may arise from damage to third party property, physical bodily injuries, permanent total disability and death. In addition, this will also cater for liability to passengers carried in the motor vehicle.

What the TPO auto cover doesn't cover is damage to the vehicle as a result of a road accident, fire and theft. These can be covered using a comprehensive motor vehicle insurance policy, which covers a wider list of risks to both the insured and the general public. A single road accident can destroy property worth tens of millions of shillings not to mention cause loss of lives of drivers, other road users and innocent bystanders. This is especially common for larger vehicles like lorries, trucks, and trailers that carry heavy tonnage compared to small private motor vehicles.

According to the NTSA (National Transport Safety Authority) of Kenya, there were 1344 pedestrian fatalities, 339 driver fatalities and 668 passengers in 2015. Due to the high risk and catastrophic danger on Kenyan roads it is therefore a national requirement that every vehicle on the road is insured to the minimum. Getting an auto insurance quote and purchasing the policy online is now easy and convenient in Kenya. TPO premium rates in Kenya are fixed for private vehicles while they vary for commercial vehicles, depending on the tonnage and use of the vehicle. Motor vehicles of higher tonnage are charged higher, rates can be as high as KSh 40,000 per year.

Third party motor vehicle insurance quotes vary depending on the provider, the limits of liability of the policy and also the type of vehicle to be covered. For private cars, rates vary from as low as KSh 5,000 to just below KSh 8,000 per year. The insurance rates for commercial vehicles vary with tonnage of the vehicle, smaller pickups are charged lower than heavy lorries understandably as the weight and potential damage of a lorry much greater than that of a smaller truck. For this reason, many businesses prefer to take only third party car insurance for their commercial lorries, pickups and canters. The premium rates for these commercial vehicles range from KSh 7,500 to 25,000 per year. In Kenya, most businesses combine this third party vehicle cover with a Goods In Transit (GIT) insurance cover, this is to cover the load of the vehicle in case of accident or loss.


Will this insurance cover my vehicle?
No, this TPO insurance will only cover third parties for property damages and bodily injuries and any other liabilities and not the insured vehicle or person. To cover damage, fire and theft, please choose the comprehensive motor insurance cover.
When should I buy TPO cover?
In some cases, it more advisable to buy a Third Party Only (TPO) vehicle insurance in Kenya compared to the Comprehensive car insurance.
It is advisable to buy a TPO cover if your car value is below KSh 300,000. Most insurers will not take this on board for comprehensive cover. In addition, some religions recommend TPO e.g. Islam which encourages member to take Sharia compliant financial products and services.
How can I choose a good insurance company?
You can view the motor insurance quotes online and pick a company of your choice. All the providers on our panel are trusted and guarantee a high quality of service.
Are the premiums annual?
Yes the premiums are annual premiums, payable in one instalment. Multiple instalments may attract a processing fee which is charged by the insurance company.
Will you assist in case of queries, concerns and claims?
Yes, our team of insurance advisors will be able to assist you for any questions about your motor vehicle insurance. Should you have a claim, concern or question, don't worry, we are always here to help.
Can I get my insurance sticker immediately?
Yes, we will deliver your motor insurance sticker same day in Nairobi and within 24 hrs for clients outside Nairobi.



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