{"id":132,"date":"2021-03-16T14:51:25","date_gmt":"2021-03-16T14:51:25","guid":{"rendered":"https:\/\/www.amssurity.co.ke\/blog\/?p=132"},"modified":"2026-07-18T19:03:50","modified_gmt":"2026-07-18T16:03:50","slug":"car-insurance-claims-in-kenya","status":"publish","type":"post","link":"https:\/\/www.amssurity.co.ke\/blog\/car-insurance-claims-in-kenya\/","title":{"rendered":"Car Insurance Claims in Kenya: What to Do After an Accident"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Understanding how car insurance claims in Kenya work can prevent avoidable delays after an accident, theft or vehicle damage. The outcome of a claim depends on the cover purchased, the circumstances of the loss, the documents available and whether the policy conditions were followed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This guide explains the car insurance claims process, the documents you may need, how excesses affect payment and when a delayed or disputed claim may require escalation.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a89a3b3de84c\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a89a3b3de84c\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.amssurity.co.ke\/blog\/car-insurance-claims-in-kenya\/#Which_car_insurance_claim_route_applies\" >Which car insurance claim route applies?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.amssurity.co.ke\/blog\/car-insurance-claims-in-kenya\/#What_should_you_do_immediately_after_an_accident\" >What should you do immediately after an accident?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.amssurity.co.ke\/blog\/car-insurance-claims-in-kenya\/#How_do_car_insurance_claims_in_Kenya_work\" >How do car insurance claims in Kenya work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.amssurity.co.ke\/blog\/car-insurance-claims-in-kenya\/#Which_documents_may_be_required_for_a_car_insurance_claim\" >Which documents may be required for a car insurance claim?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.amssurity.co.ke\/blog\/car-insurance-claims-in-kenya\/#How_do_excesses_and_deductions_affect_payment\" >How do excesses and deductions affect payment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.amssurity.co.ke\/blog\/car-insurance-claims-in-kenya\/#How_long_do_car_insurance_claims_take\" >How long do car insurance claims take?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.amssurity.co.ke\/blog\/car-insurance-claims-in-kenya\/#Why_are_claims_delayed_reduced_or_declined\" >Why are claims delayed, reduced or declined?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.amssurity.co.ke\/blog\/car-insurance-claims-in-kenya\/#What_should_you_do_if_a_claim_is_delayed_or_disputed\" >What should you do if a claim is delayed or disputed?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.amssurity.co.ke\/blog\/car-insurance-claims-in-kenya\/#Where_should_you_report_your_claim\" >Where should you report your claim?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.amssurity.co.ke\/blog\/car-insurance-claims-in-kenya\/#Car_insurance_claims_FAQs\" >Car insurance claims FAQs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.amssurity.co.ke\/blog\/car-insurance-claims-in-kenya\/#Review_the_cover_before_the_next_claim\" >Review the cover before the next claim<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.amssurity.co.ke\/blog\/car-insurance-claims-in-kenya\/#Related_car_insurance_guides\" >Related car insurance guides<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_car_insurance_claim_route_applies\"><\/span><strong>Which car insurance claim route applies?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The correct route for car insurance claims in Kenya depends on what happened and the cover shown on the policy schedule.<\/p>\n\n\n\n<section\n  id=\"am-claims-route-table\"\n  aria-label=\"Car insurance claim routes\"\n>\n  <style>\n    #am-claims-route-table{\n      --am-deep-blue:#003A63;\n      --am-mid-blue:#015587;\n      --am-gold:#EFA31C;\n      --am-ink:#0F172A;\n      --am-muted:#475569;\n      --am-off-white:#F8F9FA;\n      --am-white:#FFFFFF;\n      --am-border:rgba(1,85,135,.16);\n      --am-shadow:0 12px 30px rgba(0,58,99,.09);\n      --am-radius:16px;\n      --am-font:Inter,system-ui,-apple-system,BlinkMacSystemFont,\"Segoe UI\",Roboto,Arial,sans-serif;\n\n      margin:28px 0;\n      font-family:var(--am-font);\n    }\n\n    #am-claims-route-table *,\n    #am-claims-route-table *::before,\n    #am-claims-route-table *::after{\n      box-sizing:border-box;\n    }\n\n    #am-claims-route-table .am-route-wrap{\n      overflow:hidden;\n      border:1px solid var(--am-border);\n      border-radius:var(--am-radius);\n      background:var(--am-white);\n      box-shadow:var(--am-shadow);\n    }\n\n    #am-claims-route-table .am-route-scroll{\n      width:100%;\n      overflow-x:auto;\n    }\n\n    #am-claims-route-table .am-route-table{\n      width:100%;\n      margin:0;\n      border:0;\n      border-collapse:collapse;\n      table-layout:fixed;\n      background:var(--am-white);\n    }\n\n    #am-claims-route-table .am-route-table th,\n    #am-claims-route-table .am-route-table td{\n      padding:17px 18px;\n      border:0;\n      border-bottom:1px solid var(--am-border);\n      text-align:left;\n      vertical-align:top;\n    }\n\n    #am-claims-route-table .am-route-table th{\n      color:var(--am-white);\n      background:var(--am-deep-blue);\n      font-size:1.06rem;\n      font-weight:850;\n      line-height:1.45;\n    }\n\n    #am-claims-route-table .am-route-table th:nth-child(1){\n      width:30%;\n    }\n\n    #am-claims-route-table .am-route-table th:nth-child(2){\n      width:31%;\n    }\n\n    #am-claims-route-table .am-route-table th:nth-child(3){\n      width:39%;\n    }\n\n    #am-claims-route-table .am-route-table td{\n      color:var(--am-muted);\n      font-size:1.08rem;\n      line-height:1.65;\n      overflow-wrap:anywhere;\n    }\n\n    #am-claims-route-table .am-route-table td:first-child{\n      color:var(--am-ink);\n      font-weight:800;\n    }\n\n    #am-claims-route-table .am-route-table tbody tr:nth-child(even){\n      background:rgba(1,85,135,.035);\n    }\n\n    #am-claims-route-table .am-route-table tbody tr:last-child td{\n      border-bottom:0;\n    }\n\n    #am-claims-route-table .am-route-table tbody tr:hover{\n      background:rgba(239,163,28,.07);\n    }\n\n    @media (max-width:720px){\n      #am-claims-route-table .am-route-scroll{\n        overflow:visible;\n        padding:13px;\n        background:var(--am-off-white);\n      }\n\n      #am-claims-route-table .am-route-table,\n      #am-claims-route-table .am-route-table tbody,\n      #am-claims-route-table .am-route-table tr,\n      #am-claims-route-table .am-route-table td{\n        display:block;\n        width:100%;\n      }\n\n      #am-claims-route-table .am-route-table{\n        background:transparent;\n      }\n\n      #am-claims-route-table .am-route-table thead{\n        position:absolute;\n        width:1px;\n        height:1px;\n        padding:0;\n        margin:-1px;\n        overflow:hidden;\n        clip:rect(0,0,0,0);\n        clip-path:inset(50%);\n        white-space:nowrap;\n        border:0;\n      }\n\n      #am-claims-route-table .am-route-table tbody{\n        display:grid;\n        gap:13px;\n      }\n\n      #am-claims-route-table .am-route-table tbody tr{\n        overflow:hidden;\n        border:1px solid var(--am-border);\n        border-radius:14px;\n        background:var(--am-white);\n        box-shadow:0 7px 18px rgba(0,58,99,.06);\n      }\n\n      #am-claims-route-table .am-route-table tbody tr:nth-child(even),\n      #am-claims-route-table .am-route-table tbody tr:hover{\n        background:var(--am-white);\n      }\n\n      #am-claims-route-table .am-route-table td{\n        display:grid;\n        grid-template-columns:minmax(120px,38%) 1fr;\n        gap:12px;\n        padding:13px 15px;\n        border-bottom:1px solid var(--am-border);\n        font-size:1.06rem;\n        line-height:1.6;\n      }\n\n      #am-claims-route-table .am-route-table td::before{\n        content:attr(data-label);\n        color:var(--am-deep-blue);\n        font-size:.86rem;\n        font-weight:900;\n        line-height:1.45;\n        letter-spacing:.025em;\n        text-transform:uppercase;\n      }\n\n      #am-claims-route-table .am-route-table td:first-child{\n        display:block;\n        padding:15px;\n        color:var(--am-white);\n        background:linear-gradient(\n          135deg,\n          var(--am-mid-blue),\n          var(--am-deep-blue)\n        );\n        font-size:1.12rem;\n        line-height:1.45;\n      }\n\n      #am-claims-route-table .am-route-table td:first-child::before{\n        display:block;\n        margin-bottom:4px;\n        color:rgba(255,255,255,.78);\n      }\n\n      #am-claims-route-table .am-route-table td:last-child{\n        border-bottom:0;\n      }\n    }\n\n    @media (max-width:430px){\n      #am-claims-route-table .am-route-table td{\n        grid-template-columns:1fr;\n        gap:6px;\n      }\n    }\n  <\/style>\n\n  <div class=\"am-route-wrap\">\n    <div class=\"am-route-scroll\">\n      <table class=\"am-route-table\">\n        <thead>\n          <tr>\n            <th scope=\"col\">What happened?<\/th>\n            <th scope=\"col\">Cover that may respond<\/th>\n            <th scope=\"col\">What to do first<\/th>\n          <\/tr>\n        <\/thead>\n\n        <tbody>\n          <tr>\n            <td data-label=\"What happened?\">\n              Your vehicle was damaged in an accident\n            <\/td>\n            <td data-label=\"Cover that may respond\">\n              Comprehensive\n            <\/td>\n            <td data-label=\"What to do first\">\n              Notify the insurer, preserve evidence and wait for repair authorisation.\n            <\/td>\n          <\/tr>\n\n          <tr>\n            <td data-label=\"What happened?\">\n              You damaged another person\u2019s vehicle or property\n            <\/td>\n            <td data-label=\"Cover that may respond\">\n              The third-party section of the policy, subject to its limits\n            <\/td>\n            <td data-label=\"What to do first\">\n              Do not admit liability. Report the incident and submit the third-party details.\n            <\/td>\n          <\/tr>\n\n          <tr>\n            <td data-label=\"What happened?\">\n              Another driver damaged your vehicle\n            <\/td>\n            <td data-label=\"Cover that may respond\">\n              The other driver\u2019s insurer or your comprehensive policy\n            <\/td>\n            <td data-label=\"What to do first\">\n              Collect the driver\u2019s insurance details and notify your insurer.\n            <\/td>\n          <\/tr>\n\n          <tr>\n            <td data-label=\"What happened?\">\n              Your vehicle was stolen\n            <\/td>\n            <td data-label=\"Cover that may respond\">\n              Comprehensive or Third Party, Fire and Theft\n            <\/td>\n            <td data-label=\"What to do first\">\n              Report the theft to the police and insurer immediately. Preserve all keys and documents.\n            <\/td>\n          <\/tr>\n\n          <tr>\n            <td data-label=\"What happened?\">\n              Your vehicle was damaged by fire\n            <\/td>\n            <td data-label=\"Cover that may respond\">\n              Comprehensive or Third Party, Fire and Theft\n            <\/td>\n            <td data-label=\"What to do first\">\n              Notify the insurer and obtain the required police or fire documentation.\n            <\/td>\n          <\/tr>\n\n          <tr>\n            <td data-label=\"What happened?\">\n              Another person was injured or died\n            <\/td>\n            <td data-label=\"Cover that may respond\">\n              Third-party bodily injury liability, subject to the policy and applicable law\n            <\/td>\n            <td data-label=\"What to do first\">\n              Obtain emergency help, report the accident to the police and notify the insurer promptly.\n            <\/td>\n          <\/tr>\n\n          <tr>\n            <td data-label=\"What happened?\">\n              The vehicle was being used for Uber, Bolt or commercial work\n            <\/td>\n            <td data-label=\"Cover that may respond\">\n              Only cover that expressly permits that use\n            <\/td>\n            <td data-label=\"What to do first\">\n              Notify the insurer, provide requested trip records and confirm that the policy permits the vehicle\u2019s use.\n            <\/td>\n          <\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_should_you_do_immediately_after_an_accident\"><\/span><strong>What should you do immediately after an accident?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Protect life and prevent further loss.<\/strong> Move to safety where possible, arrange medical assistance and avoid actions that could worsen the damage.<\/li>\n\n\n\n<li><strong>Do not admit liability or negotiate a private settlement at the scene.<\/strong> Record the facts without accepting blame or promising payment.<\/li>\n\n\n\n<li><strong>Collect evidence.<\/strong> Photograph the vehicles, damage, road position, number plates, surroundings and relevant road signs.<\/li>\n\n\n\n<li><strong>Exchange details.<\/strong> Record the other driver\u2019s name, telephone number, registration number and insurance details where available.<\/li>\n\n\n\n<li><strong>Record witnesses.<\/strong> Obtain names and contact details from anyone who saw what happened.<\/li>\n\n\n\n<li><strong>Report the incident where required.<\/strong> Accidents involving injury, death, serious damage, theft or suspected criminal conduct should be reported to the police. Your insurer may require police documentation.<\/li>\n\n\n\n<li><strong>Notify your insurer or intermediary promptly.<\/strong> Follow the notification period and method stated in your policy.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_do_car_insurance_claims_in_Kenya_work\"><\/span><strong>How do car insurance claims in Kenya work?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Although car insurance claims vary by loss type, most follow the stages below.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Notification:<\/strong> The loss is reported and a claim reference is issued.<\/li>\n\n\n\n<li><strong>Document collection:<\/strong> The insurer requests the records relevant to the claim.<\/li>\n\n\n\n<li><strong>Assessment:<\/strong> An assessor, investigator or other specialist may inspect the vehicle and review the circumstances.<\/li>\n\n\n\n<li><strong>Policy and liability review:<\/strong> The insurer checks whether the event is covered and whether policy conditions were met.<\/li>\n\n\n\n<li><strong>Decision:<\/strong> The insurer may authorise repairs, offer a settlement, request more information or decline the claim with reasons.<\/li>\n\n\n\n<li><strong>Discharge and payment:<\/strong> Where required, the insured signs a settlement document before payment.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The exact process varies. Theft, total-loss, bodily-injury and third-party claims may involve additional assessment or investigation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_documents_may_be_required_for_a_car_insurance_claim\"><\/span><strong>Which documents may be required for a car insurance claim?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The documents required for car insurance claims in Kenya depend on what happened, the cover purchased and whether another person was involved. The insurer may request additional information after reviewing the initial notification.<\/p>\n\n\n\n<section\n  id=\"am-claims-documents-table\"\n  aria-label=\"Documents commonly requested for motor insurance claims\"\n>\n  <style>\n    #am-claims-documents-table{\n      --am-deep-blue:#003A63;\n      --am-mid-blue:#015587;\n      --am-gold:#EFA31C;\n      --am-ink:#0F172A;\n      --am-muted:#475569;\n      --am-off-white:#F8F9FA;\n      --am-white:#FFFFFF;\n      --am-border:rgba(1,85,135,.16);\n      --am-shadow:0 12px 30px rgba(0,58,99,.09);\n      --am-radius:16px;\n      --am-font:Inter,system-ui,-apple-system,BlinkMacSystemFont,\"Segoe UI\",Roboto,Arial,sans-serif;\n\n      margin:28px 0;\n      font-family:var(--am-font);\n    }\n\n    #am-claims-documents-table *,\n    #am-claims-documents-table *::before,\n    #am-claims-documents-table *::after{\n      box-sizing:border-box;\n    }\n\n    #am-claims-documents-table .am-docs-wrap{\n      overflow:hidden;\n      border:1px solid var(--am-border);\n      border-radius:var(--am-radius);\n      background:var(--am-white);\n      box-shadow:var(--am-shadow);\n    }\n\n    #am-claims-documents-table .am-docs-scroll{\n      width:100%;\n      overflow-x:auto;\n    }\n\n    #am-claims-documents-table .am-docs-table{\n      width:100%;\n      margin:0;\n      border:0;\n      border-collapse:collapse;\n      table-layout:fixed;\n      background:var(--am-white);\n    }\n\n    #am-claims-documents-table .am-docs-table th,\n    #am-claims-documents-table .am-docs-table td{\n      padding:17px 18px;\n      border:0;\n      border-bottom:1px solid var(--am-border);\n      text-align:left;\n      vertical-align:top;\n    }\n\n    #am-claims-documents-table .am-docs-table th{\n      color:var(--am-white);\n      background:var(--am-deep-blue);\n      font-size:1.06rem;\n      font-weight:850;\n      line-height:1.45;\n    }\n\n    #am-claims-documents-table .am-docs-table th:nth-child(1){\n      width:25%;\n    }\n\n    #am-claims-documents-table .am-docs-table th:nth-child(2){\n      width:43%;\n    }\n\n    #am-claims-documents-table .am-docs-table th:nth-child(3){\n      width:32%;\n    }\n\n    #am-claims-documents-table .am-docs-table td{\n      color:var(--am-muted);\n      font-size:1.08rem;\n      line-height:1.65;\n      overflow-wrap:anywhere;\n    }\n\n    #am-claims-documents-table .am-docs-table td:first-child{\n      color:var(--am-ink);\n      font-weight:800;\n    }\n\n    #am-claims-documents-table .am-docs-table tbody tr:nth-child(even){\n      background:rgba(1,85,135,.035);\n    }\n\n    #am-claims-documents-table .am-docs-table tbody tr:last-child td{\n      border-bottom:0;\n    }\n\n    #am-claims-documents-table .am-docs-table tbody tr:hover{\n      background:rgba(239,163,28,.07);\n    }\n\n    #am-claims-documents-table .am-docs-note{\n      margin:0;\n      padding:15px 18px;\n      border-top:1px solid var(--am-border);\n      color:var(--am-muted);\n      background:var(--am-off-white);\n      font-size:1.04rem;\n      line-height:1.65;\n    }\n\n    @media (max-width:720px){\n      #am-claims-documents-table .am-docs-scroll{\n        overflow:visible;\n        padding:13px;\n        background:var(--am-off-white);\n      }\n\n      #am-claims-documents-table .am-docs-table,\n      #am-claims-documents-table .am-docs-table tbody,\n      #am-claims-documents-table .am-docs-table tr,\n      #am-claims-documents-table .am-docs-table td{\n        display:block;\n        width:100%;\n      }\n\n      #am-claims-documents-table .am-docs-table{\n        background:transparent;\n      }\n\n      #am-claims-documents-table .am-docs-table thead{\n        position:absolute;\n        width:1px;\n        height:1px;\n        padding:0;\n        margin:-1px;\n        overflow:hidden;\n        clip:rect(0,0,0,0);\n        clip-path:inset(50%);\n        white-space:nowrap;\n        border:0;\n      }\n\n      #am-claims-documents-table .am-docs-table tbody{\n        display:grid;\n        gap:13px;\n      }\n\n      #am-claims-documents-table .am-docs-table tbody tr{\n        overflow:hidden;\n        border:1px solid var(--am-border);\n        border-radius:14px;\n        background:var(--am-white);\n        box-shadow:0 7px 18px rgba(0,58,99,.06);\n      }\n\n      #am-claims-documents-table .am-docs-table tbody tr:nth-child(even),\n      #am-claims-documents-table .am-docs-table tbody tr:hover{\n        background:var(--am-white);\n      }\n\n      #am-claims-documents-table .am-docs-table td{\n        display:grid;\n        grid-template-columns:minmax(120px,35%) 1fr;\n        gap:12px;\n        padding:13px 15px;\n        border-bottom:1px solid var(--am-border);\n        font-size:1.06rem;\n        line-height:1.6;\n      }\n\n      #am-claims-documents-table .am-docs-table td::before{\n        content:attr(data-label);\n        color:var(--am-deep-blue);\n        font-size:.86rem;\n        font-weight:900;\n        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<div class=\"am-docs-wrap\">\n    <div class=\"am-docs-scroll\">\n      <table class=\"am-docs-table\">\n        <thead>\n          <tr>\n            <th scope=\"col\">Claim type<\/th>\n            <th scope=\"col\">Documents commonly requested<\/th>\n            <th scope=\"col\">Important note<\/th>\n          <\/tr>\n        <\/thead>\n\n        <tbody>\n          <tr>\n            <td data-label=\"Claim type\">\n              Accidental damage to your vehicle\n            <\/td>\n            <td data-label=\"Documents commonly requested\">\n              Completed claim form, driver\u2019s licence, police abstract where applicable, photographs, repair estimate, logbook and assessor\u2019s report.\n            <\/td>\n            <td data-label=\"Important note\">\n              Do not authorise permanent repairs before the insurer or assessor approves them.\n            <\/td>\n          <\/tr>\n\n          <tr>\n            <td data-label=\"Claim type\">\n              Vehicle theft\n            <\/td>\n            <td data-label=\"Documents commonly requested\">\n              Claim form, police abstract or investigation report, logbook, all available keys, driver\u2019s licence and a statement explaining the circumstances.\n            <\/td>\n            <td data-label=\"Important note\">\n              The insurer may also request recovery records, tracking information or proof of security measures.\n            <\/td>\n          <\/tr>\n\n          <tr>\n            <td data-label=\"Claim type\">\n              Fire damage\n            <\/td>\n            <td data-label=\"Documents commonly requested\">\n              Claim form, police or fire report where applicable, photographs, logbook and assessment report.\n            <\/td>\n            <td data-label=\"Important note\">\n              The insurer may investigate the cause of the fire before confirming liability.\n            <\/td>\n          <\/tr>\n\n          <tr>\n            <td data-label=\"Claim type\">\n              Third-party property damage\n            <\/td>\n            <td data-label=\"Documents commonly requested\">\n              Claim form, police abstract where applicable, photographs, third-party demand letter, repair estimates and details of the other vehicle or property.\n            <\/td>\n            <td data-label=\"Important note\">\n              Do not admit liability or negotiate a settlement without the insurer\u2019s approval.\n            <\/td>\n          <\/tr>\n\n          <tr>\n            <td data-label=\"Claim type\">\n              Third-party injury or death\n            <\/td>\n            <td data-label=\"Documents commonly requested\">\n              Police records, medical reports, treatment records, witness statements, demand documents and identification records.\n            <\/td>\n            <td data-label=\"Important note\">\n              These claims may require further investigation and legal review.\n            <\/td>\n          <\/tr>\n\n          <tr>\n            <td data-label=\"Claim type\">\n              Ride-hailing or commercial-use claim\n            <\/td>\n            <td data-label=\"Documents commonly requested\">\n              Standard claim documents plus trip records, platform records, employment details or proof of declared vehicle use.\n            <\/td>\n            <td data-label=\"Important note\">\n              The vehicle use at the time of the incident must be permitted by the policy.\n            <\/td>\n          <\/tr>\n\n          <tr>\n            <td data-label=\"Claim type\">\n              Windscreen or minor insured damage\n            <\/td>\n            <td data-label=\"Documents commonly requested\">\n              Photographs, replacement quotation, claim form or simplified notification, depending on the insurer.\n            <\/td>\n            <td data-label=\"Important note\">\n              Some insurers use a shorter process where the damage falls within a specified policy limit.\n            <\/td>\n          <\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n\n    <p class=\"am-docs-note\">\n      Not every document is required for every claim. Ask the insurer or intermediary for a written list that matches your case.\n    <\/p>\n  <\/div>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\">Not every document listed above is required in every case. Ask the insurer or intermediary for a written list that matches the specific claim.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_do_excesses_and_deductions_affect_payment\"><\/span><strong>How do excesses and deductions affect payment?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">An excess is the portion of an admissible claim payable by the insured. A policy may contain a standard excess and additional excesses for circumstances such as young drivers, theft or use outside agreed terms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Other adjustments may arise from:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Underinsurance or an incorrect insured value.<\/li>\n\n\n\n<li>Betterment, where repairs improve the vehicle beyond its pre-loss condition.<\/li>\n\n\n\n<li>Uninsured accessories or modifications.<\/li>\n\n\n\n<li>Outstanding premium where the policy permits deduction.<\/li>\n\n\n\n<li>Salvage arrangements in a total-loss settlement.<\/li>\n\n\n\n<li>Policy limits, sublimits and exclusions.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The insurer should explain the basis of any deduction.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_long_do_car_insurance_claims_take\"><\/span><strong>How long do car insurance claims take?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There is no fixed timeline for every motor claim. The duration depends on the documents submitted, assessment, liability issues and any investigations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Under Kenya\u2019s Insurance Act, an insurer must generally determine liability and pay within 90 days of the claim being reported once the relevant documents have been submitted. Straightforward claims may be completed sooner.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_are_claims_delayed_reduced_or_declined\"><\/span>Why are claims delayed, reduced or declined?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Common issues include:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Missing or inconsistent documents.<\/li>\n\n\n\n<li>Late notification that prejudices investigation or breaches the policy.<\/li>\n\n\n\n<li>Vehicle use outside the declared class, such as private cover used for ride-hailing.<\/li>\n\n\n\n<li>An unlicensed, unauthorised or ineligible driver.<\/li>\n\n\n\n<li>Material non-disclosure or incorrect information.<\/li>\n\n\n\n<li>Driving under the influence, subject to the wording and evidence.<\/li>\n\n\n\n<li>Lapsed cover or unmet premium conditions.<\/li>\n\n\n\n<li>Fraud, staged loss or exaggerated damage.<\/li>\n\n\n\n<li>Wear and tear, mechanical failure or another excluded cause.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">A decline should be based on the policy wording, facts and evidence. Ask for the decision and the specific clause relied upon in writing.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_should_you_do_if_a_claim_is_delayed_or_disputed\"><\/span><strong>What should you do if a claim is delayed or disputed?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Request a written status update.<\/strong> Ask what stage the claim has reached, what is outstanding and who must act next.<\/li>\n\n\n\n<li><strong>Request the written decision.<\/strong> Ask for the reasons and policy clauses relied upon.<\/li>\n\n\n\n<li><strong>Use the insurer\u2019s internal complaints process.<\/strong> Keep copies of all correspondence and supporting documents.<\/li>\n\n\n\n<li><strong>Escalate to the Insurance Regulatory Authority where appropriate.<\/strong> The IRA receives written complaints involving liability, settlement amounts and delays in payable claims.<\/li>\n\n\n\n<li><strong>Review the dispute-resolution clause.<\/strong> Arbitration applies only where the contract contains an applicable arbitration agreement.<\/li>\n\n\n\n<li><strong>Seek legal advice where necessary.<\/strong> The appropriate forum depends on the amount, subject matter and nature of the dispute. It should not automatically be described as a High Court matter.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Where_should_you_report_your_claim\"><\/span><strong>Where should you report your claim?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Policy<\/strong> <strong>taken through Amssurity:<\/strong> Report the incident promptly. We can explain the required documents, follow up with the insurer and help you track the claim where Amssurity services the policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Policy taken elsewhere:<\/strong> Contact the insurer or intermediary shown on your policy schedule. Amssurity cannot take over another intermediary\u2019s active claim, but we can review the cover before your next renewal.<\/p>\n\n\n\n<section id=\"am-claims-faq\" aria-labelledby=\"am-claims-faq-title\">\n  <style>\n    #am-claims-faq{\n      --am-deep-blue:#003A63;\n      --am-mid-blue:#015587;\n      --am-gold:#EFA31C;\n      --am-ink:#0F172A;\n      --am-muted:#475569;\n      --am-off-white:#F8F9FA;\n      --am-white:#FFFFFF;\n      --am-border:rgba(1,85,135,.16);\n      --am-shadow:0 12px 32px rgba(0,58,99,.09);\n      --am-radius:16px;\n      --am-font:Inter,system-ui,-apple-system,BlinkMacSystemFont,\"Segoe UI\",Roboto,Arial,sans-serif;\n\n      margin:30px 0;\n      font-family:var(--am-font);\n    }\n\n    #am-claims-faq *,\n    #am-claims-faq *::before,\n    #am-claims-faq *::after{\n      box-sizing:border-box;\n    }\n\n    #am-claims-faq .am-faq-wrap{\n      padding:20px;\n      border:1px solid var(--am-border);\n      border-radius:var(--am-radius);\n      background:\n        linear-gradient(\n          180deg,\n          rgba(1,85,135,.045),\n          var(--am-white) 36%\n        );\n      box-shadow:var(--am-shadow);\n    }\n\n    #am-claims-faq .am-faq-rule{\n      width:60px;\n      height:4px;\n      margin-bottom:12px;\n      border-radius:999px;\n      background:var(--am-gold);\n    }\n\n    #am-claims-faq .am-faq-title{\n      margin:0 0 6px;\n      color:var(--am-ink);\n      font-size:clamp(1.4rem,2.5vw,1.8rem);\n      font-weight:900;\n      line-height:1.2;\n      letter-spacing:-.02em;\n    }\n\n    #am-claims-faq .am-faq-intro{\n      margin:0 0 18px;\n      color:var(--am-muted);\n      font-size:1rem;\n      line-height:1.65;\n    }\n\n    #am-claims-faq .am-faq-list{\n      display:grid;\n      gap:10px;\n    }\n\n    #am-claims-faq .am-faq-item{\n      overflow:hidden;\n      border:1px solid var(--am-border);\n      border-radius:13px;\n      background:var(--am-white);\n    }\n\n    #am-claims-faq .am-faq-item[open]{\n      border-color:rgba(1,85,135,.28);\n      box-shadow:0 8px 20px rgba(0,58,99,.07);\n    }\n\n    #am-claims-faq .am-faq-question{\n      position:relative;\n      display:flex;\n      align-items:center;\n      justify-content:space-between;\n      gap:18px;\n      width:100%;\n      padding:16px 50px 16px 16px;\n      color:var(--am-ink);\n      font-size:1rem;\n      font-weight:850;\n      line-height:1.45;\n      cursor:pointer;\n      list-style:none;\n    }\n\n    #am-claims-faq .am-faq-question::-webkit-details-marker{\n      display:none;\n    }\n\n    #am-claims-faq .am-faq-question::after{\n      content:\"+\";\n      position:absolute;\n      top:50%;\n      right:16px;\n      display:flex;\n      align-items:center;\n      justify-content:center;\n      width:27px;\n      height:27px;\n      border-radius:50%;\n      color:var(--am-white);\n      background:var(--am-mid-blue);\n      font-size:1.15rem;\n      font-weight:800;\n      line-height:1;\n      transform:translateY(-50%);\n      transition:transform .18s ease, background .18s ease;\n    }\n\n    #am-claims-faq .am-faq-item[open] .am-faq-question::after{\n      content:\"\u2212\";\n      background:var(--am-deep-blue);\n    }\n\n    #am-claims-faq .am-faq-question:hover{\n      background:rgba(1,85,135,.035);\n    }\n\n    #am-claims-faq .am-faq-question:focus-visible{\n      outline:3px solid rgba(239,163,28,.45);\n      outline-offset:-3px;\n    }\n\n    #am-claims-faq .am-faq-answer{\n      padding:0 16px 16px;\n      color:var(--am-muted);\n      font-size:.98rem;\n      line-height:1.65;\n    }\n\n    #am-claims-faq .am-faq-answer p{\n      margin:0;\n    }\n\n    @media (max-width:600px){\n      #am-claims-faq .am-faq-wrap{\n        padding:17px 14px;\n      }\n\n      #am-claims-faq .am-faq-question{\n        padding:15px 46px 15px 14px;\n      }\n\n      #am-claims-faq .am-faq-answer{\n        padding:0 14px 15px;\n      }\n    }\n  <\/style>\n\n  <div class=\"am-faq-wrap\">\n    <div class=\"am-faq-rule\" aria-hidden=\"true\"><\/div>\n\n    <h2 id=\"am-claims-faq-title\" class=\"am-faq-title\"><span class=\"ez-toc-section\" id=\"Car_insurance_claims_FAQs\"><\/span>\n      Car insurance claims FAQs\n    <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n    <p class=\"am-faq-intro\">\n      Quick answers to common questions about reporting, repairs and claim follow-up.\n    <\/p>\n\n    <div class=\"am-faq-list\">\n\n      <details class=\"am-faq-item\">\n        <summary class=\"am-faq-question\">\n          Must every accident be reported within 24 hours?\n        <\/summary>\n        <div class=\"am-faq-answer\">\n          <p>\n            Not always. Notify your insurer promptly and within the period stated in your policy. Police-reporting requirements depend on the accident.\n          <\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"am-faq-item\">\n        <summary class=\"am-faq-question\">\n          Can I repair the vehicle before the insurer inspects it?\n        <\/summary>\n        <div class=\"am-faq-answer\">\n          <p>\n            Only with the insurer\u2019s approval, except for emergency action needed to prevent further damage or protect safety. Keep photographs and receipts.\n          <\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"am-faq-item\">\n        <summary class=\"am-faq-question\">\n          What should I ask for after a claim is declined?\n        <\/summary>\n        <div class=\"am-faq-answer\">\n          <p>\n            Ask for the written decision, reasons, policy clause relied upon and details of the complaints process.\n          <\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"am-faq-item\">\n        <summary class=\"am-faq-question\">\n          How can I follow up on car insurance claims in Kenya?\n        <\/summary>\n        <div class=\"am-faq-answer\">\n          <p>\n            Ask for the claim reference, current stage, outstanding requirements, next action and expected review date. Keep the response in writing.\n          <\/p>\n        <\/div>\n      <\/details>\n\n    <\/div>\n  <\/div>\n\n  <script type=\"application\/ld+json\">\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"FAQPage\",\n    \"mainEntity\": [\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Must every accident be reported within 24 hours?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Not always. Notify your insurer promptly and within the period stated in your policy. Police-reporting requirements depend on the accident.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Can I repair the vehicle before the insurer inspects it?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Only with the insurer\u2019s approval, except for emergency action needed to prevent further damage or protect safety. 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Keep the response in writing.\"\n        }\n      }\n    ]\n  }\n  <\/script>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<section id=\"am-claims-review-cta\" aria-label=\"Review your motor insurance cover\">\n  <style>\n    #am-claims-review-cta{\n      --am-deep-blue:#003A63;\n      --am-mid-blue:#015587;\n      --am-gold:#EFA31C;\n      --am-yellow:#FBC80B;\n      --am-ink:#0F172A;\n      --am-muted:#475569;\n      --am-off-white:#F8F9FA;\n      --am-white:#FFFFFF;\n      --am-border:rgba(1,85,135,.16);\n      --am-shadow:0 14px 40px rgba(0,58,99,.12);\n      --am-radius:18px;\n      --am-font:Inter,system-ui,-apple-system,BlinkMacSystemFont,\"Segoe UI\",Roboto,Arial,sans-serif;\n\n      margin:28px 0;\n      font-family:var(--am-font);\n    }\n\n    #am-claims-review-cta *,\n    #am-claims-review-cta *::before,\n    #am-claims-review-cta *::after{\n      box-sizing:border-box;\n    }\n\n    #am-claims-review-cta .am-claims-card{\n      overflow:hidden;\n      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  }\n\n    #am-claims-review-cta .am-claims-btn{\n      display:inline-flex;\n      align-items:center;\n      justify-content:center;\n      min-height:48px;\n      padding:12px 17px;\n      border:1px solid transparent;\n      border-radius:13px;\n      font-size:1rem;\n      font-weight:850;\n      line-height:1.3;\n      text-decoration:none;\n      transition:\n        transform .08s ease,\n        box-shadow .18s ease,\n        background .18s ease;\n    }\n\n    #am-claims-review-cta .am-claims-btn:active{\n      transform:translateY(1px);\n    }\n\n    #am-claims-review-cta .am-claims-btn:focus-visible{\n      outline:3px solid rgba(239,163,28,.48);\n      outline-offset:3px;\n    }\n\n    #am-claims-review-cta .am-claims-btn-primary{\n      color:var(--am-white);\n      background:linear-gradient(\n        135deg,\n        var(--am-mid-blue),\n        var(--am-deep-blue)\n      );\n      box-shadow:0 10px 22px rgba(0,58,99,.20);\n    }\n\n    #am-claims-review-cta .am-claims-btn-primary:hover{\n      box-shadow:0 14px 28px rgba(0,58,99,.26);\n    }\n\n    #am-claims-review-cta .am-claims-btn-secondary{\n      color:var(--am-deep-blue);\n      border-color:rgba(1,85,135,.25);\n      background:var(--am-white);\n    }\n\n    #am-claims-review-cta .am-claims-btn-secondary:hover{\n      background:rgba(1,85,135,.05);\n    }\n\n    #am-claims-review-cta .am-claims-trust{\n      display:flex;\n      gap:8px 18px;\n      flex-wrap:wrap;\n      margin-top:16px;\n      padding-top:14px;\n      border-top:1px solid rgba(1,85,135,.12);\n      color:var(--am-muted);\n      font-size:.9rem;\n      line-height:1.5;\n    }\n\n    @media (max-width:600px){\n      #am-claims-review-cta .am-claims-content{\n        padding:20px 16px;\n      }\n\n      #am-claims-review-cta .am-claims-actions{\n        flex-direction:column;\n      }\n\n      #am-claims-review-cta .am-claims-btn{\n        width:100%;\n      }\n    }\n  <\/style>\n\n  <div class=\"am-claims-card\">\n    <div class=\"am-claims-ribbon\">\n      <div class=\"am-claims-ribbon-row\">\n        <span class=\"am-claims-brand\">AMSSURITY INSURANCE AGENCY<\/span>\n        <span class=\"am-claims-tag\">Motor Insurance Review<\/span>\n      <\/div>\n    <\/div>\n\n    <div class=\"am-claims-content\">\n      <div class=\"am-claims-rule\" aria-hidden=\"true\"><\/div>\n\n      <h2 class=\"am-claims-title\"><span class=\"ez-toc-section\" id=\"Review_the_cover_before_the_next_claim\"><\/span>Review the cover before the next claim<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n      <p class=\"am-claims-copy\">\n        The right time to check driver restrictions, vehicle-use conditions,\n        excesses, theft requirements and optional benefits is before a claim happens.\n      <\/p>\n\n      <p class=\"am-claims-copy\">\n        Compare your motor insurance options with Amssurity before renewal and\n        get a plain-English explanation of what the policy is designed to pay,\n        what remains with you and which conditions could affect a future claim.\n      <\/p>\n\n      <div class=\"am-claims-actions\">\n        <a class=\"am-claims-btn am-claims-btn-primary\" href=\"https:\/\/wa.me\/254762065500?text=Hi%20Amssurity%2C%20I%20would%20like%20a%20review%20of%20my%20motor%20insurance%20cover%20before%20renewal.%20Please%20help%20me%20compare%20the%20cover%2C%20excesses%2C%20vehicle-use%20conditions%20and%20claim-related%20terms.\" target=\"_blank\" rel=\"noopener noreferrer\">\n          WhatsApp us \u2192\n        <\/a>\n\n        <a class=\"am-claims-btn am-claims-btn-secondary\" href=\"https:\/\/www.amssurity.co.ke\/car-insurance\/quote\" target=\"_blank\" rel=\"noopener noreferrer\">\n          Compare motor insurance options \u2192\n        <\/a>\n      <\/div>\n\n      <div class=\"am-claims-trust\" aria-label=\"Amssurity service commitments\">\n        <span>\u2714 Plain-English comparison<\/span>\n        <span>\u2714 No obligation<\/span>\n        <span>\u2714 Review before renewal<\/span>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n\n<section\n  id=\"am-related-motor-guides\"\n  aria-labelledby=\"am-related-motor-title\"\n>\n  <style>\n    #am-related-motor-guides{\n      --am-deep-blue:#003A63;\n      --am-mid-blue:#015587;\n      --am-gold:#EFA31C;\n      --am-ink:#0F172A;\n      --am-muted:#475569;\n      --am-off-white:#F8F9FA;\n      --am-white:#FFFFFF;\n      --am-border:rgba(1,85,135,.16);\n      --am-radius:14px;\n      --am-font:Inter,system-ui,-apple-system,BlinkMacSystemFont,\"Segoe UI\",Roboto,Arial,sans-serif;\n\n      margin:30px 0;\n      font-family:var(--am-font);\n    }\n\n    #am-related-motor-guides *,\n    #am-related-motor-guides *::before,\n    #am-related-motor-guides *::after{\n      box-sizing:border-box;\n    }\n\n    #am-related-motor-guides .am-related-title{\n      margin:0 0 12px;\n      color:var(--am-ink);\n      font-size:clamp(1.3rem,2.2vw,1.65rem);\n      font-weight:900;\n      line-height:1.25;\n      letter-spacing:-.02em;\n    }\n\n    #am-related-motor-guides .am-related-wrap{\n      overflow:hidden;\n      border:1px solid var(--am-border);\n      border-radius:var(--am-radius);\n      background:var(--am-white);\n    }\n\n    #am-related-motor-guides .am-related-table{\n      width:100%;\n      margin:0;\n      border:0;\n      border-collapse:collapse;\n      table-layout:fixed;\n    }\n\n    #am-related-motor-guides .am-related-table th,\n    #am-related-motor-guides .am-related-table td{\n      padding:14px 16px;\n      border:0;\n      border-bottom:1px solid var(--am-border);\n      text-align:left;\n      vertical-align:top;\n    }\n\n    #am-related-motor-guides .am-related-table th{\n      color:var(--am-white);\n      background:var(--am-deep-blue);\n      font-size:.98rem;\n      font-weight:850;\n      line-height:1.4;\n    }\n\n    #am-related-motor-guides .am-related-table th:first-child{\n      width:42%;\n    }\n\n    #am-related-motor-guides .am-related-table th:last-child{\n      width:58%;\n    }\n\n    #am-related-motor-guides .am-related-table td{\n      color:var(--am-muted);\n      font-size:1rem;\n      line-height:1.6;\n    }\n\n    #am-related-motor-guides .am-related-table tbody tr:nth-child(even){\n      background:var(--am-off-white);\n    }\n\n    #am-related-motor-guides .am-related-table tbody tr:last-child td{\n      border-bottom:0;\n    }\n\n    #am-related-motor-guides .am-related-link{\n      color:var(--am-deep-blue);\n      font-weight:850;\n      line-height:1.5;\n      text-decoration:none;\n    }\n\n    #am-related-motor-guides .am-related-link::after{\n      content:\" \u2192\";\n      color:var(--am-gold);\n      font-weight:900;\n    }\n\n    #am-related-motor-guides .am-related-link:hover{\n      color:var(--am-mid-blue);\n      text-decoration:underline;\n      text-underline-offset:3px;\n    }\n\n    #am-related-motor-guides .am-related-link:focus-visible{\n      outline:3px solid rgba(239,163,28,.45);\n      outline-offset:3px;\n      border-radius:3px;\n    }\n\n    @media (max-width:700px){\n      #am-related-motor-guides .am-related-wrap{\n        overflow:visible;\n        border:0;\n        background:transparent;\n      }\n\n      #am-related-motor-guides .am-related-table,\n      #am-related-motor-guides .am-related-table tbody,\n      #am-related-motor-guides .am-related-table tr,\n      #am-related-motor-guides .am-related-table td{\n        display:block;\n        width:100%;\n      }\n\n      #am-related-motor-guides .am-related-table thead{\n        position:absolute;\n        width:1px;\n        height:1px;\n        padding:0;\n        margin:-1px;\n        overflow:hidden;\n        clip:rect(0,0,0,0);\n        clip-path:inset(50%);\n        white-space:nowrap;\n        border:0;\n      }\n\n      #am-related-motor-guides .am-related-table tbody{\n        display:grid;\n        gap:10px;\n      }\n\n      #am-related-motor-guides .am-related-table tbody tr,\n      #am-related-motor-guides .am-related-table tbody tr:nth-child(even){\n        overflow:hidden;\n        border:1px solid var(--am-border);\n        border-radius:12px;\n        background:var(--am-white);\n        box-shadow:0 6px 16px rgba(0,58,99,.06);\n      }\n\n      #am-related-motor-guides .am-related-table td{\n        padding:0 14px 13px;\n        border:0;\n        font-size:.98rem;\n      }\n\n      #am-related-motor-guides .am-related-table td:first-child{\n        padding:14px 14px 6px;\n      }\n    }\n  <\/style>\n\n  <h2\n    id=\"am-related-motor-title\"\n    class=\"am-related-title\"\n  ><span class=\"ez-toc-section\" id=\"Related_car_insurance_guides\"><\/span>\n    Related car insurance guides\n  <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n  <div class=\"am-related-wrap\">\n    <table class=\"am-related-table\">\n      <thead>\n        <tr>\n          <th scope=\"col\">Read next<\/th>\n          <th scope=\"col\">What it helps you understand<\/th>\n        <\/tr>\n      <\/thead>\n\n      <tbody>\n        <tr>\n          <td>\n            <a class=\"am-related-link\" href=\"https:\/\/www.amssurity.co.ke\/blog\/types-of-car-insurance-in-kenya\/\">\n              Types of Car Insurance in Kenya\n            <\/a>\n          <\/td>\n          <td>\n            Compare Third Party, Third Party Fire and Theft, and Comprehensive cover.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td>\n            <a class=\"am-related-link\" href=\"https:\/\/www.amssurity.co.ke\/blog\/buy-comprehensive-car-insurance-in-kenya\/\">\n              Is Comprehensive Car Insurance Worth It?\n            <\/a>\n          <\/td>\n          <td>\n            Decide whether protecting your own vehicle makes financial sense.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td>\n            <a class=\"am-related-link\" href=\"https:\/\/www.amssurity.co.ke\/blog\/how-much-is-car-insurance-in-kenya\/\">\n              How Much Is Car Insurance in Kenya?\n            <\/a>\n          <\/td>\n          <td>\n            Understand indicative rates, levies, excesses and optional benefits.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td>\n            <a class=\"am-related-link\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-car-insurance-companies-in-kenya\/\">\n              Best Car Insurance Companies in Kenya\n            <\/a>\n          <\/td>\n          <td>\n            Compare eligibility, policy terms, excesses and claims-related conditions.\n          <\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Originally published:<\/strong> 16 March 2021<br><strong>Last reviewed:<\/strong> 17 July 2026<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Understanding how car insurance claims in Kenya work can prevent avoidable delays after an accident, theft or vehicle damage. The [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":4129,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[44,48,42,47,46],"class_list":["post-132","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance-in-kenya","tag-car-insurance","tag-car-insurance-claims","tag-car-insurance-in-kenya","tag-claims","tag-motor-insurance-in-kenya"],"_links":{"self":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/132","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/comments?post=132"}],"version-history":[{"count":17,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/132\/revisions"}],"predecessor-version":[{"id":4081,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/132\/revisions\/4081"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/media\/4129"}],"wp:attachment":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/media?parent=132"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/categories?post=132"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/tags?post=132"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}