What is a Motorcycle Insurance?
Vehicle insurance is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle
Best Motorcycle Insurance In Kenya
Third-party Insurance
This is the minimum legal requirement in Kenya. It covers damages caused to other people and their property, but it does not cover damages to the insured motorcycle or the rider.
Comprehensive Insurance
Comprehensive insurance provides the highest level of coverage. It covers damages caused to other people and their property, theft, and damage caused to the insured motorcycle.
It’s however, important to note that the rider is not covered on either of the two types of cover but the passenger or goods are covered. The rider should therefore get a separate cover called a personal accident cover.
Motorcycle Insurance Cost Calculator
Use the motorcycle insurance cost calculator below to calculate the amount of premium required for your motorcycle and place an order. You will receive the insurance cover in 30 minutes.
Factors To Consider When Choosing Motorcycle Insurance
When choosing motorcycle insurance in Kenya, there are several factors to consider, including:
- Coverage – Consider the level of coverage you need based on your budget and the value of your motorcycle.
- Insurance provider – Research different insurance providers to find one that offers the coverage you need at a reasonable price.
- Excess – Check the excess amount for each policy. This is the amount you’ll need to pay out of pocket in the event of a claim.
- Discounts – Look for discounts that you may be eligible for, such as no claims discounts or discounts for taking additional safety measures such as installing a motorcycle tracker or alarm system
- Payment Options – Check whether the insurance provider offers payment options that suit your budget, such as monthly, quarterly, or annual payments.
- Customer Service – Consider the quality of customer service provided by the insurance provider.
How Much Does Motorcycle Insurance Cost In Kenya?
The cost of motorcycle insurance in Kenya depends on a variety of factors, including the type of coverage, the make and model of the motorcycle, and the age, and experience of the rider.
As a general rule, third-party insurance is the cheapest option, while comprehensive insurance is the most expensive.
On average, the following is the cost of motorcycle insurance in Kenya:
- Annual Private Comprehensive insurance ranges from ksh 6,500 to Ksh 7,500
- Annual Private Third-party insurance ranges from Ksh 3,500 to Ksh 4,500
- Annual PSV Comprehensive insurance ranges from Ksh 8,500 to Ksh 10,000
- Annual PSV Third-party insurance ranges from Ksh 5,100 to Ksh 6,500
What insurance do I need for my motorbike?
Comprehensive motorcycle insurance can cover you for damage to your motorbike and riding gear, even if you’re at fault for an accident.
This is usually the top tier of motorcycle insurance with the most inclusions, like fire and theft cover, flood and earthquake cover, and more.