How does Car Insurance Work

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Insuring a car’s a very straightforward process and there are 3 main types of car insurance covers.

  • third  party
  • third party fire and theft
  • Comprehensive car insurance.

Third party

This is the minimum level of insurance required by Kenyan law. If you’re involved in an accident, it covers damage to the other person’s property, but costs to repair or replace your car will come from your pocket. You won’t be compensated if your car is stolen or damaged by fire, either.

Third party fire and theft

Third party fire and theft offers the same over as a third party policy, but you’re also covered if your car’s stolen or damaged/destroyed by fire. This means that there are additional covers for third party and theft.

Comprehensive

This insurance provides you with the highest level of cover when you’re on the road. If you’re involved in an accident, the policy will pay out for costs associated with you and the third party. This insurance also offers protection against fire and theft.

It is important to note that People assume third party policies are the cheapest. But because more people claim on this type of insurance, they can cost just as much, sometimes more than comprehensive policies. Even if comprehensive cover is a little more expensive, you benefit from a far greater level of protection on the road.

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