Motorcycle Insurance in Kenya
Boda bodas and private riders both need third-party cover, but commercial passenger-carrying use has its own requirements.
Top 7 Motorcycle Insurers in Kenya
Ranked by performance & user satisfaction
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| Insurer | Coverage Types | Highlights | Action |
|---|---|---|---|
|
1
Jubilee Insurance Kenya
|
Comprehensive
Third Party
|
IRA Kenya licensed
Available nationally
|
|
|
2
Britam General Insurance
|
Comprehensive
Third Party
|
IRA Kenya licensed
NSE listed company
|
|
|
3
AAR Insurance Kenya
|
Comprehensive
Third Party
|
IRA Kenya licensed
Digital policy platform
|
|
|
4
CIC Insurance Group
|
Comprehensive
Third Party
|
Cooperative-owned model
IRA Kenya licensed
|
|
|
5
GA Insurance Kenya
|
Comprehensive
Third Party
|
IRA Kenya licensed
Established Kenyan insurer
|
|
|
6
Madison Insurance Kenya
|
Comprehensive
Third Party
|
IRA Kenya licensed
Kenyan-owned insurer
|
|
|
7
Old Mutual Insurance Kenya
|
Comprehensive
Third Party
|
Part of Old Mutual Africa
IRA Kenya licensed
|
Jubilee Insurance Kenya
Britam General Insurance
AAR Insurance Kenya
CIC Insurance Group
GA Insurance Kenya
Madison Insurance Kenya
Old Mutual Insurance Kenya
Full Motorcycle Insurance Directory
Exhaustive list of regional providers
| Insurer | Coverage Types | Highlights | Action |
|---|---|---|---|
|
Jubilee Insurance Kenya
|
Comprehensive
Third Party
|
IRA Kenya licensed
Available nationally
|
|
|
Britam General Insurance
|
Comprehensive
Third Party
|
IRA Kenya licensed
NSE listed company
|
|
|
AAR Insurance Kenya
|
Comprehensive
Third Party
|
IRA Kenya licensed
Digital policy platform
|
|
|
CIC Insurance Group
|
Comprehensive
Third Party
|
Cooperative-owned model
IRA Kenya licensed
|
|
|
GA Insurance Kenya
|
Comprehensive
Third Party
|
IRA Kenya licensed
Established Kenyan insurer
|
|
|
Madison Insurance Kenya
|
Comprehensive
Third Party
|
IRA Kenya licensed
Kenyan-owned insurer
|
|
|
Old Mutual Insurance Kenya
|
Comprehensive
Third Party
|
Part of Old Mutual Africa
IRA Kenya licensed
|
Jubilee Insurance Kenya
Britam General Insurance
AAR Insurance Kenya
CIC Insurance Group
GA Insurance Kenya
Madison Insurance Kenya
Old Mutual Insurance Kenya
Every motorcycle in Kenya must carry at least third-party insurance under the Insurance Act. Given how central boda bodas are to transport across much of the country, this requirement touches an enormous number of riders and passengers daily.
Boda Boda-Specific Requirements
Commercial boda bodas carrying paying passengers typically require a policy including passenger legal liability, similar in principle to PSV requirements for larger vehicles. Standard private third-party cover generally isn't sufficient for commercial passenger-carrying use.
Comprehensive Cover
Less universal than third-party given cost sensitivity, but worth genuine consideration for riders who depend on the bike as their primary income source, given how costly being unable to work while a bike is repaired can be.
Verifying Cover Through IMID
Kenya's Integrated Motor Insurance Database allows verification of whether a motorcycle's insurance is genuine and active — a worthwhile check given documented concerns about fraudulent or lapsed policies in the motorcycle insurance space specifically.
SACCO and Group Cover
In parts of Kenya, boda boda riders organise through SACCOs that sometimes negotiate group insurance arrangements for members, occasionally offering better terms than individually sourced policies.
Key Guidance
If you operate a boda boda commercially, confirm you hold a policy that actually includes passenger liability rather than assuming standard third-party cover extends to paying passengers. Read our complete guide for the full claims process.
In-Depth Guide
Motorcycle Insurance in Kenya: How to Get It and How to Claim It
Full application and claims process →
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