Third Party Motor Insurance in Kenya
The legal minimum for every Kenyan vehicle — here is what you need to know.
Third party motor insurance is legally required for all vehicles in Kenya under the Insurance Act Cap 487 and the Traffic Act. The Certificate of Insurance must be carried in your vehicle at all times and is required for NTSA registration renewal.
What Third Party Covers in Kenya
Kenyan third party motor insurance covers bodily injury, disability, and death of third parties caused by your vehicle, and damage to third-party property. It does not cover damage to your own vehicle, your own injuries, or theft of your vehicle.
The Certificate of Insurance
The Certificate of Insurance is the key document confirming valid cover. It is distinct from the policy document and must be displayed or produced on request by police. For new policies, insurers must issue the certificate promptly. Digital (e-certificate) formats are now widely accepted by Kenyan authorities.
NTSA Registration and Insurance
The National Transport and Safety Authority (NTSA) requires proof of valid insurance as part of the vehicle registration process in Kenya. Registration renewal (logbook renewal) cannot proceed without a valid insurance certificate. Both processes can be handled through NTSA's eCitizen online platform.
IRA Kenya Verification
Verify your insurer's IRA Kenya licence before purchasing. The IRA maintains a public register at ira.go.ke. Only IRA-licensed insurers can issue legally valid Kenyan motor insurance certificates.
Key Guidance
Third party insurance in Kenya does not cover damage to your own vehicle. If someone with no insurance hits your vehicle, you have no recourse through your own policy. This is the key risk of carrying only the minimum cover — consider whether Third Party Fire and Theft or Comprehensive better suits your situation.
AutoInsurances.online is an independent information service. Some links on this page are affiliate links. Affiliate Disclosure · Privacy Policy