Car insurance in Kenya, explained before you pay.
Cover for private cars, taxis, PSVs, boda bodas and fleets, placed with licensed insurers. We walk you through what’s covered, what isn’t, and how to pay.
- Private car
- Taxi & ride-hailing
- PSV
- Boda boda
- Commercial vehicle
- Fleet
Comprehensive or third-party?
The two main types of car cover, side by side. Exact cover, limits and exclusions depend on each insurer’s policy wording, and we take you through yours before you buy.
Comprehensive
Wider protection- Damage to your own vehicle from an accident
- Theft of your vehicle, and fire damage
- Injury to other people and damage to their property
- Optional extras, depending on the insurer
Third-party only
Basic protection- Injury to other people and damage to their property
- Does not pay for damage to your own vehicle
- Does not pay if your vehicle is stolen
Spread your premium instead of paying it all at once.
Pay in full, in two payments (50:50) or three (40:30:30), or spread it over 10 months with premium financing powered by Invictus.
If you need to claim
Make sure everyone is safe
Get medical or police help first where needed.
Take photos, don’t admit liability
Photograph the scene and damage before anything is moved.
Tell us straight away
We open your claim file and notify the insurer.
Documents for your quote
Insurers may ask for:
Please don’t upload ID documents through the website. Your advisor will tell you how to share them securely.
Car insurance questions
Is Mtejasmart an insurance company?
No. Mtejasmart is an insurance agency. We advise, place, renew and support claims for policies underwritten by licensed insurers.
Do you insure boda bodas and PSVs?
Yes. We arrange cover for private cars, taxis and ride-hailing vehicles, PSVs, boda bodas, commercial vehicles and fleets, with licensed insurers.
Can I pay my premium in instalments?
Yes, depending on the product and insurer. You can pay in full, in two payments (50:50), in three payments (40:30:30), or over 10 months with insurance premium financing powered by Invictus, which is subject to approval. Your advisor confirms which options apply to your cover.
Who decides whether my claim is paid?
The insurer decides claims under the terms of your policy. We help you prepare documents, notify the insurer, follow up and explain the decision in plain language.