{"id":3160,"date":"2026-01-05T16:02:07","date_gmt":"2026-01-05T13:02:07","guid":{"rendered":"https:\/\/www.amssurity.co.ke\/blog\/?p=3160"},"modified":"2026-07-15T21:42:12","modified_gmt":"2026-07-15T18:42:12","slug":"buy-car-insurance-in-kenya-online","status":"publish","type":"post","link":"https:\/\/www.amssurity.co.ke\/blog\/buy-car-insurance-in-kenya-online\/","title":{"rendered":"How to Buy Car Insurance in Kenya Online: From Quote to Certificate in 2026"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">To buy car insurance in Kenya online can take minutes. A wrong use category, understated vehicle value or missing benefit can remain unnoticed until an accident occurs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you want to buy car insurance in Kenya online, accuracy matters as much as speed. You can submit your vehicle details, compare options, pay digitally and receive a digital motor certificate via your whatsapp.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before paying, confirm that the policy reflects your actual vehicle use, suitable cover type, current value, excess and required benefits. This guide explains what Amssurity needs, what you should compare and how the process moves from quotation to certificate.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 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-6a5802f2af5d0\" 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-6a5802f2af5d0\"  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\/buy-car-insurance-in-kenya-online\/#Can_you_buy_car_insurance_in_Kenya_online\" >Can you buy car insurance in Kenya online?<\/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\/buy-car-insurance-in-kenya-online\/#What_information_do_you_need_to_buy_car_insurance_in_Kenya_online\" >What information do you need to buy car insurance in Kenya online?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.amssurity.co.ke\/blog\/buy-car-insurance-in-kenya-online\/#Vehicle_details\" >Vehicle details<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.amssurity.co.ke\/blog\/buy-car-insurance-in-kenya-online\/#How_the_vehicle_is_used\" >How the vehicle is used<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.amssurity.co.ke\/blog\/buy-car-insurance-in-kenya-online\/#Owner_and_contact_details\" >Owner and contact details<\/a><\/li><\/ul><\/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\/buy-car-insurance-in-kenya-online\/#Should_you_choose_TPO_TPFT_or_comprehensive_insurance\" >Should you choose TPO, TPFT or comprehensive insurance?<\/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\/buy-car-insurance-in-kenya-online\/#Choose_cover_before_you_buy_car_insurance_in_Kenya_online\" >Choose cover before you buy car insurance in Kenya online<\/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\/buy-car-insurance-in-kenya-online\/#What_should_you_compare_before_paying\" >What should you compare before paying?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.amssurity.co.ke\/blog\/buy-car-insurance-in-kenya-online\/#1_Declared_vehicle_use\" >1. Declared vehicle use<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.amssurity.co.ke\/blog\/buy-car-insurance-in-kenya-online\/#2_Vehicle_value\" >2. Vehicle value<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.amssurity.co.ke\/blog\/buy-car-insurance-in-kenya-online\/#3_Total_premium\" >3. Total premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.amssurity.co.ke\/blog\/buy-car-insurance-in-kenya-online\/#4_Standard_and_special_excesses\" >4. Standard and special excesses<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.amssurity.co.ke\/blog\/buy-car-insurance-in-kenya-online\/#5_Included_and_optional_benefits\" >5. Included and optional benefits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.amssurity.co.ke\/blog\/buy-car-insurance-in-kenya-online\/#6_Repair_and_settlement_terms\" >6. Repair and settlement terms<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.amssurity.co.ke\/blog\/buy-car-insurance-in-kenya-online\/#How_does_the_online_buying_process_work\" >How does the online buying process work?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.amssurity.co.ke\/blog\/buy-car-insurance-in-kenya-online\/#Step_1_Send_the_vehicle_details\" >Step 1: Send the vehicle details<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.amssurity.co.ke\/blog\/buy-car-insurance-in-kenya-online\/#Step_2_Review_the_available_options\" >Step 2: Review the available options<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.amssurity.co.ke\/blog\/buy-car-insurance-in-kenya-online\/#Step_3_Select_the_cover\" >Step 3: Select the cover<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.amssurity.co.ke\/blog\/buy-car-insurance-in-kenya-online\/#Step_4_Submit_documents_and_pay\" >Step 4: Submit documents and pay<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.amssurity.co.ke\/blog\/buy-car-insurance-in-kenya-online\/#Step_5_Receive_and_check_the_documents\" >Step 5: Receive and check the documents<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.amssurity.co.ke\/blog\/buy-car-insurance-in-kenya-online\/#What_documents_should_you_receive\" >What documents should you receive?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.amssurity.co.ke\/blog\/buy-car-insurance-in-kenya-online\/#How_long_does_Amssurity_take_to_issue_car_insurance\" >How long does Amssurity take to issue car insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.amssurity.co.ke\/blog\/buy-car-insurance-in-kenya-online\/#How_can_you_verify_a_digital_motor_certificate\" >How can you verify a digital motor certificate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.amssurity.co.ke\/blog\/buy-car-insurance-in-kenya-online\/#Frequently_asked_questions\" >Frequently asked questions<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_you_buy_car_insurance_in_Kenya_online\"><\/span><strong>Can you buy car insurance in Kenya online?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. You can buy car insurance in Kenya online without visiting an insurer\u2019s office. Most of the quotation, document submission, payment and certificate-issuance process can be completed remotely.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Collect your vehicle and ownership details.<\/li>\n\n\n\n<li>Prepare or compare quotations.<\/li>\n\n\n\n<li>Receive the required documents electronically.<\/li>\n\n\n\n<li>Confirm payment through an official channel.<\/li>\n\n\n\n<li>Arrange the motor certificate and policy documents.<\/li>\n\n\n\n<li>Send the documents by email or WhatsApp.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Comprehensive insurance may require an inspection or valuation, depending on the insurer, the vehicle and whether the cover is new, renewed continuously or transferred from another insurer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kenyan law requires a vehicle used on a road to have the relevant insurance against third-party risks. Third Party Only is the minimum level of motor insurance generally used to meet this requirement. Comprehensive insurance provides broader protection for the insured vehicle. See the current <a href=\"https:\/\/new.kenyalaw.org\/akn\/ke\/act\/1945\/12\" target=\"_blank\" rel=\"noopener\">Insurance (Motor Vehicles Third Party Risks) Act<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_information_do_you_need_to_buy_car_insurance_in_Kenya_online\"><\/span><strong>What information do you need to buy car insurance in Kenya online?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To buy car insurance in Kenya online without avoidable delays, provide accurate information about the vehicle, its ownership and how it is used.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Vehicle_details\"><\/span><strong>Vehicle details<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Prepare:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Registration number or chassis number for an unregistered vehicle.<\/li>\n\n\n\n<li>Make and model.<\/li>\n\n\n\n<li>Year of manufacture.<\/li>\n\n\n\n<li>Estimated current value.<\/li>\n\n\n\n<li>Engine capacity or tonnage where relevant.<\/li>\n\n\n\n<li>Any financier or other financial interest in the vehicle.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The estimated value may be sufficient for the initial quotation. Comprehensive insurance may require a professional valuation before the final value is accepted.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_the_vehicle_is_used\"><\/span><strong>How the vehicle is used<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Declare the actual use of the vehicle. Common categories include:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Private use.<\/li>\n\n\n\n<li>Commercial use.<\/li>\n\n\n\n<li>Ride-hailing or taxi use.<\/li>\n\n\n\n<li>Delivery or courier use.<\/li>\n\n\n\n<li>PSV use.<\/li>\n\n\n\n<li>Institutional or company use.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">A private motor policy should not be used for a vehicle that regularly carries passengers or goods for payment. Tell the insurer or agent how the vehicle is used before accepting the quotation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Owner_and_contact_details\"><\/span><strong>Owner and contact details<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You may be asked for:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>National ID or passport.<\/li>\n\n\n\n<li>KRA PIN.<\/li>\n\n\n\n<li>Telephone number.<\/li>\n\n\n\n<li>Email address.<\/li>\n\n\n\n<li>Copy of the logbook or importation documents.<\/li>\n\n\n\n<li>Driving licence where required.<\/li>\n\n\n\n<li>Certificate of incorporation and CR12 for a company-owned vehicle.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The insurer may also request information about previous insurance, recent claims or a break in cover.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Should_you_choose_TPO_TPFT_or_comprehensive_insurance\"><\/span><strong>Should you choose TPO, TPFT or comprehensive insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Before you buy car insurance in Kenya online, decide which losses you want the policy to handle and which costs you could comfortably carry yourself.<\/p>\n\n\n\n<!-- Amssurity: Scoped Responsive Cover Table -->\n<section class=\"am-cover-table\" aria-labelledby=\"am-cover-table-title\">\n  <div class=\"am-cover-table__heading\">\n    <p class=\"am-cover-table__eyebrow\">COVER COMPARISON<\/p>\n    <h2 id=\"am-cover-table-title\"><span class=\"ez-toc-section\" id=\"Choose_cover_before_you_buy_car_insurance_in_Kenya_online\"><\/span>\n      Choose cover before you buy car insurance in Kenya online\n    <span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <\/div>\n\n  <div class=\"am-cover-table__wrap\">\n    <table>\n      <thead>\n        <tr>\n          <th scope=\"col\">Cover<\/th>\n          <th scope=\"col\">Usually covers<\/th>\n          <th scope=\"col\">You still carry<\/th>\n          <th scope=\"col\">Best fit<\/th>\n        <\/tr>\n      <\/thead>\n\n      <tbody>\n        <tr>\n          <th scope=\"row\">\n            <span class=\"am-cover-table__name\">Third Party Only<\/span>\n            <span class=\"am-cover-table__tag\">TPO<\/span>\n          <\/th>\n          <td data-label=\"Usually covers\">\n            Third-party injury, death and property damage\n          <\/td>\n          <td data-label=\"You still carry\">\n            Damage, fire and theft affecting your car\n          <\/td>\n          <td data-label=\"Best fit\">\n            Lower-value cars or when you can fund repairs\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <th scope=\"row\">\n            <span class=\"am-cover-table__name\">Third Party, Fire and Theft<\/span>\n            <span class=\"am-cover-table__tag\">TPFT<\/span>\n          <\/th>\n          <td data-label=\"Usually covers\">\n            Third-party liability, fire and theft\n          <\/td>\n          <td data-label=\"You still carry\">\n            Accidental damage affecting your car\n          <\/td>\n          <td data-label=\"Best fit\">\n            When fire or theft is the main concern\n          <\/td>\n        <\/tr>\n\n        <tr class=\"am-cover-table__featured\">\n          <th scope=\"row\">\n            <span class=\"am-cover-table__name\">Comprehensive<\/span>\n            <span class=\"am-cover-table__tag\">WIDEST COVER<\/span>\n          <\/th>\n          <td data-label=\"Usually covers\">\n            Accidental damage, fire, theft and third-party liability\n          <\/td>\n          <td data-label=\"You still carry\">\n            Excesses, exclusions and costs above limits\n          <\/td>\n          <td data-label=\"Best fit\">\n            Financed, valuable or costly-to-replace cars\n          <\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n\n  <p class=\"am-cover-table__note\">\n    Cover, limits and exclusions vary by insurer. Check the policy terms before payment.\n  <\/p>\n<\/section>\n\n<style>\n  .am-cover-table,\n  .am-cover-table * {\n    box-sizing: border-box;\n  }\n\n  .am-cover-table {\n    --am-table-blue: #015587;\n    --am-table-deep: #003a63;\n    --am-table-gold: #efa31c;\n    --am-table-ink: #0f172a;\n    --am-table-muted: #475569;\n    --am-table-border: #d9e2e8;\n    --am-table-panel: #f7f7f4;\n\n    width: 100%;\n    margin: 32px 0;\n    color: var(--am-table-ink);\n    font-family: inherit;\n  }\n\n  .am-cover-table .am-cover-table__heading {\n    margin-bottom: 14px;\n  }\n\n  .am-cover-table .am-cover-table__eyebrow {\n    margin: 0 0 4px;\n    color: var(--am-table-blue);\n    font-size: 12px;\n    font-weight: 800;\n    letter-spacing: 0.12em;\n  }\n\n  .am-cover-table h2 {\n    margin: 0;\n    color: var(--am-table-deep);\n    font-size: clamp(23px, 4vw, 31px);\n    line-height: 1.2;\n  }\n\n  .am-cover-table .am-cover-table__wrap {\n    overflow: hidden;\n    border: 1px solid var(--am-table-border);\n    border-radius: 12px;\n    background: #fff;\n  }\n\n  .am-cover-table table {\n    width: 100%;\n    margin: 0;\n    border: 0;\n    border-collapse: collapse;\n    table-layout: fixed;\n  }\n\n  .am-cover-table th,\n  .am-cover-table td {\n    padding: 15px;\n    border: 0;\n    border-right: 1px solid var(--am-table-border);\n    border-bottom: 1px solid var(--am-table-border);\n    text-align: left;\n    vertical-align: top;\n    font-size: 14px;\n    line-height: 1.55;\n  }\n\n  .am-cover-table th:last-child,\n  .am-cover-table td:last-child {\n    border-right: 0;\n  }\n\n  .am-cover-table tbody tr:last-child th,\n  .am-cover-table tbody tr:last-child td {\n    border-bottom: 0;\n  }\n\n  .am-cover-table thead th {\n    background: var(--am-table-deep);\n    color: #fff;\n    font-size: 13px;\n    font-weight: 750;\n  }\n\n  .am-cover-table thead th:first-child {\n    width: 21%;\n  }\n\n  .am-cover-table tbody th {\n    background: var(--am-table-panel);\n    color: var(--am-table-deep);\n  }\n\n  .am-cover-table .am-cover-table__featured th {\n    box-shadow: inset 4px 0 0 var(--am-table-gold);\n  }\n\n  .am-cover-table .am-cover-table__name {\n    display: block;\n    margin-bottom: 7px;\n    font-weight: 800;\n    line-height: 1.35;\n  }\n\n  .am-cover-table .am-cover-table__tag {\n    display: inline-block;\n    padding: 3px 7px;\n    border-radius: 999px;\n    background: #e8f2f7;\n    color: var(--am-table-blue);\n    font-size: 10px;\n    font-weight: 800;\n    letter-spacing: 0.05em;\n  }\n\n  .am-cover-table .am-cover-table__featured .am-cover-table__tag {\n    background: #fff3d6;\n    color: #7a4b00;\n  }\n\n  .am-cover-table .am-cover-table__note {\n    margin: 10px 0 0;\n    color: var(--am-table-muted);\n    font-size: 13px;\n    line-height: 1.5;\n  }\n\n  @media (max-width: 720px) {\n    .am-cover-table .am-cover-table__wrap {\n      overflow: visible;\n      border: 0;\n      border-radius: 0;\n      background: transparent;\n    }\n\n    .am-cover-table table,\n    .am-cover-table tbody,\n    .am-cover-table tr,\n    .am-cover-table th,\n    .am-cover-table td {\n      display: block;\n      width: 100%;\n    }\n\n    .am-cover-table thead {\n      position: absolute;\n      width: 1px;\n      height: 1px;\n      margin: -1px;\n      padding: 0;\n      overflow: hidden;\n      clip: rect(0 0 0 0);\n      white-space: nowrap;\n      border: 0;\n    }\n\n    .am-cover-table tbody tr {\n      margin-bottom: 14px;\n      overflow: hidden;\n      border: 1px solid var(--am-table-border);\n      border-radius: 11px;\n      background: #fff;\n    }\n\n    .am-cover-table tbody tr:last-child {\n      margin-bottom: 0;\n    }\n\n    .am-cover-table tbody th {\n      padding: 14px 15px;\n      border: 0;\n      border-bottom: 1px solid var(--am-table-border);\n    }\n\n    .am-cover-table .am-cover-table__featured th {\n      box-shadow: inset 4px 0 0 var(--am-table-gold);\n    }\n\n    .am-cover-table tbody td {\n      display: grid;\n      grid-template-columns: minmax(105px, 36%) 1fr;\n      gap: 12px;\n      padding: 12px 15px;\n      border: 0;\n      border-bottom: 1px solid var(--am-table-border);\n      font-size: 14px;\n    }\n\n    .am-cover-table tbody td:last-child {\n      border-bottom: 0;\n    }\n\n    .am-cover-table tbody td::before {\n      color: var(--am-table-blue);\n      content: attr(data-label);\n      font-size: 11px;\n      font-weight: 800;\n      letter-spacing: 0.04em;\n      line-height: 1.4;\n      text-transform: uppercase;\n    }\n  }\n\n  @media (max-width: 420px) {\n    .am-cover-table tbody td {\n      grid-template-columns: 1fr;\n      gap: 4px;\n    }\n  }\n<\/style>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comprehensive cover does not automatically include every motor benefit. Road rescue, excess protection, political violence, loss of use and enhanced windscreen cover may be included, limited or available at an additional premium.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For a fuller decision framework, see the guide to the <a>types of car insurance in Kenya<\/a>.<\/p>\n\n\n\n<section class=\"am-motor-early\" aria-label=\"Compare motor insurance online\">\n  <style>\n    .am-motor-early{\n      --ame-blue:#015587;\n      --ame-deep:#003A63;\n      --ame-gold:#EFA31C;\n      --ame-ink:#0F172A;\n      --ame-muted:#475569;\n      --ame-bg:#F8F9FA;\n      --ame-border:rgba(1,85,135,.18);\n      font-family:Inter,system-ui,-apple-system,\"Segoe UI\",Roboto,Arial,sans-serif;\n      margin:20px 0;\n    }\n\n    .am-motor-early,\n    .am-motor-early *{\n      box-sizing:border-box;\n    }\n\n    .am-motor-early__card{\n      position:relative;\n      overflow:hidden;\n      border:1px solid var(--ame-border);\n      border-radius:16px;\n      background:\n        radial-gradient(500px 150px at 0% 0%,rgba(239,163,28,.12),transparent 65%),\n        linear-gradient(135deg,var(--ame-bg),#ffffff);\n      box-shadow:0 10px 28px rgba(2,72,110,.09);\n    }\n\n    .am-motor-early__accent{\n      height:4px;\n      background:linear-gradient(90deg,var(--ame-gold),var(--ame-blue),var(--ame-deep));\n    }\n\n    .am-motor-early__inner{\n      display:grid;\n      grid-template-columns:minmax(0,1fr) auto;\n      align-items:center;\n      gap:18px;\n      padding:16px 18px 13px;\n    }\n\n    .am-motor-early__eyebrow{\n      margin:0 0 4px;\n      color:var(--ame-blue);\n      font-size:12px;\n      line-height:1.3;\n      font-weight:850;\n      letter-spacing:.06em;\n      text-transform:uppercase;\n    }\n\n    .am-motor-early__title{\n      margin:0 0 5px;\n      color:var(--ame-ink);\n      font-size:clamp(19px,2.2vw,24px);\n      line-height:1.2;\n      font-weight:900;\n      letter-spacing:-.02em;\n    }\n\n    .am-motor-early__text{\n      max-width:680px;\n      margin:0;\n      color:var(--ame-muted);\n      font-size:14.5px;\n      line-height:1.55;\n    }\n\n    .am-motor-early__actions{\n      display:flex;\n      align-items:center;\n      justify-content:flex-end;\n      gap:9px;\n      flex-wrap:wrap;\n    }\n\n    .am-motor-early__btn{\n      display:inline-flex;\n      min-height:42px;\n      align-items:center;\n      justify-content:center;\n      padding:10px 14px;\n      border:1px solid transparent;\n      border-radius:11px;\n      font-size:14px;\n      line-height:1.2;\n      font-weight:850;\n      text-align:center;\n      text-decoration:none;\n      white-space:nowrap;\n      transition:transform .12s ease,box-shadow .18s ease,background .18s ease;\n    }\n\n    .am-motor-early__btn:hover{\n      transform:translateY(-1px);\n    }\n\n    .am-motor-early__btn:focus-visible{\n      outline:3px solid rgba(239,163,28,.4);\n      outline-offset:2px;\n    }\n\n    .am-motor-early__btn--primary{\n      color:#fff;\n      background:linear-gradient(135deg,var(--ame-blue),var(--ame-deep));\n      box-shadow:0 7px 17px rgba(1,85,135,.2);\n    }\n\n    .am-motor-early__btn--secondary{\n      color:var(--ame-blue);\n      border-color:rgba(1,85,135,.25);\n      background:#fff;\n    }\n\n    .am-motor-early__btn--secondary:hover{\n      background:rgba(1,85,135,.05);\n    }\n\n    .am-motor-early__trust{\n      display:flex;\n      gap:7px 15px;\n      flex-wrap:wrap;\n      padding:9px 18px 11px;\n      border-top:1px solid rgba(1,85,135,.10);\n      color:#64748B;\n      font-size:12.5px;\n      line-height:1.4;\n    }\n\n    .am-motor-early__trust span::before{\n      content:\"\u2713\";\n      margin-right:5px;\n      color:var(--ame-blue);\n      font-weight:900;\n    }\n\n    @media (max-width:760px){\n      .am-motor-early__inner{\n        grid-template-columns:1fr;\n        gap:12px;\n        padding:15px 15px 12px;\n      }\n\n      .am-motor-early__actions{\n        justify-content:flex-start;\n      }\n\n      .am-motor-early__btn{\n        flex:1 1 170px;\n      }\n\n      .am-motor-early__trust{\n        padding:9px 15px 11px;\n      }\n    }\n\n    @media (max-width:480px){\n      .am-motor-early__actions{\n        display:grid;\n        grid-template-columns:1fr;\n      }\n\n      .am-motor-early__btn{\n        width:100%;\n        white-space:normal;\n      }\n    }\n\n    @media (prefers-reduced-motion:reduce){\n      .am-motor-early__btn{\n        transition:none;\n      }\n    }\n  <\/style>\n\n  <div class=\"am-motor-early__card\">\n    <div class=\"am-motor-early__accent\" aria-hidden=\"true\"><\/div>\n\n    <div class=\"am-motor-early__inner\">\n      <div>\n        <p class=\"am-motor-early__eyebrow\">\n          Amssurity Insurance Agency \u00b7 Motor Insurance\n        <\/p>\n\n        <p class=\"am-motor-early__title\" role=\"heading\" aria-level=\"2\">\n          Compare motor insurance in seconds.\n        <\/p>\n\n        <p class=\"am-motor-early__text\">\n          Enter your vehicle details for an instant comparison, or WhatsApp us if you want help reviewing the options. Amssurity helps you buy car insurance in kenya online.\n        <\/p>\n      <\/div>\n\n      <div class=\"am-motor-early__actions\">\n        <a class=\"am-motor-early__btn am-motor-early__btn--primary\" href=\"https:\/\/www.amssurity.co.ke\/car-insurance\/quote\" target=\"_blank\" rel=\"noopener\">\n          Compare instantly \u2192\n        <\/a>\n\n        <a class=\"am-motor-early__btn am-motor-early__btn--secondary\" href=\"https:\/\/wa.me\/254762065500?text=Hi%20Amssurity%2C%20I%20would%20like%20help%20comparing%20motor%20insurance.%0A%0AVehicle%20registration%3A%20__%0AMake%20and%20model%3A%20__%0AYear%3A%20__%0AUse%3A%20__%0AEstimated%20value%3A%20__%0ARenewal%20date%3A%20__\" target=\"_blank\" rel=\"noopener\">\n          Chat us on Whatsapp \u2192\n        <\/a>\n      <\/div>\n    <\/div>\n\n    <div class=\"am-motor-early__trust\" aria-label=\"Available motor insurance options\">\n      <span>Comprehensive<\/span>\n      <span>Third Party Fire &amp; Theft<\/span>\n      <span>Third Party Only<\/span>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_should_you_compare_before_paying\"><\/span><strong>What should you compare before paying?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Before you buy car insurance in Kenya online, compare more than the quoted premium. Two comprehensive policies can insure the same vehicle value while applying different excesses, benefit limits, optional extras and underwriting conditions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Declared_vehicle_use\"><\/span><strong>1. Declared vehicle use<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Check that the quotation and policy schedule show the correct use. This is especially important for ride-hailing, delivery, company and income-generating vehicles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If your use changes during the policy year, inform the insurer or Amssurity so that the policy can be reviewed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Vehicle_value\"><\/span><strong>2. Vehicle value<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For comprehensive insurance, check the value shown on the quotation and policy schedule.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An understated value may leave you inadequately insured. An overstated value does not necessarily mean the insurer will pay that amount after a total loss. Settlement remains subject to valuation, policy wording and the applicable basis of indemnity.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Total_premium\"><\/span><strong>3. Total premium<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Compare the full amount payable, including:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Basic premium.<\/li>\n\n\n\n<li>Statutory levies and stamp duty.<\/li>\n\n\n\n<li>Optional benefits.<\/li>\n\n\n\n<li>Payment-plan charges, if any.<\/li>\n\n\n\n<li>Any valuation, inspection or service costs.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">A quotation with the lowest basic rate may have fewer included benefits or a different excess.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Standard_and_special_excesses\"><\/span><strong>4. Standard and special excesses<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The excess is the portion of an admissible claim that remains payable by the policyholder.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Check:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Own-damage excess.<\/li>\n\n\n\n<li>Theft or partial-theft excess.<\/li>\n\n\n\n<li>Young or inexperienced-driver excess.<\/li>\n\n\n\n<li>Special excesses for particular vehicles or uses.<\/li>\n\n\n\n<li>Whether an excess protector is included or available.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Consider whether you could pay the applicable excess immediately after an accident.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Included_and_optional_benefits\"><\/span><strong>5. Included and optional benefits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Check the actual limit and conditions for each relevant benefit, including:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Windscreen and window glass.<\/li>\n\n\n\n<li>Entertainment systems and accessories.<\/li>\n\n\n\n<li>Towing after an accident.<\/li>\n\n\n\n<li>Road rescue following a breakdown.<\/li>\n\n\n\n<li>Political violence, terrorism, riots and strikes.<\/li>\n\n\n\n<li>Courtesy car or loss of use.<\/li>\n\n\n\n<li>Personal accident cover.<\/li>\n\n\n\n<li>Excess protector.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The schedule should show which benefits are included and which have been added at an additional premium. Our guide to <a href=\"https:\/\/www.amssurity.co.ke\/blog\/motor-insurance-in-kenya-upgrades-2024\/\">motor insurance upgrades<\/a> explains these benefits in more detail.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_Repair_and_settlement_terms\"><\/span><strong>6. Repair and settlement terms<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For comprehensive cover, confirm:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Whether repairs must be completed through approved garages.<\/li>\n\n\n\n<li>How the insurer handles cash settlements.<\/li>\n\n\n\n<li>How the vehicle value is established after a total loss.<\/li>\n\n\n\n<li>Whether towing and storage costs have stated limits.<\/li>\n\n\n\n<li>Any geographical restrictions on the cover.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Insurer comparisons should be based on current policy terms and verifiable benefits. Use the <a href=\"https:\/\/www.amssurity.co.ke\/blog\/best-car-insurance-companies-in-kenya\/\">car insurance companies comparison guide<\/a> when you need to compare specific options.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_does_the_online_buying_process_work\"><\/span><strong>How does the online buying process work?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When you buy car insurance in Kenya online through Amssurity, the process moves through five stages: vehicle details, quotation, selection, payment and certificate issuance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_1_Send_the_vehicle_details\"><\/span><strong>Step 1: Send the vehicle details<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Provide the registration number, make, model, year, estimated value and actual use. Amssurity may ask additional questions based on the vehicle.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_2_Review_the_available_options\"><\/span><strong>Step 2: Review the available options<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">An indicative online quotation shows possible pricing. An adviser-reviewed Motor Quote Pack provides a more useful comparison of three suitable options.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Review the premium, excess, included benefits and any conditions attached to each quotation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_3_Select_the_cover\"><\/span><strong>Step 3: Select the cover<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Choose TPO, TPFT or comprehensive insurance and confirm any optional benefits you want added.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At this stage, you should know:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>The total amount payable.<\/li>\n\n\n\n<li>The first payment required.<\/li>\n\n\n\n<li>The accepted vehicle value.<\/li>\n\n\n\n<li>The relevant excesses.<\/li>\n\n\n\n<li>What inspection or valuation remains outstanding.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_4_Submit_documents_and_pay\"><\/span><strong>Step 4: Submit documents and pay<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Send the requested ownership and identification documents through the official Amssurity channel. Payment should be made only through the confirmed company, insurer or authorised payment channel.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_5_Receive_and_check_the_documents\"><\/span><strong>Step 5: Receive and check the documents<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Review the certificate and policy schedule immediately. Ask for any incorrect registration number, name, use category, dates or vehicle details to be amended.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_documents_should_you_receive\"><\/span><strong>What documents should you receive?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A completed purchase should leave you with more than a payment message.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depending on the cover and insurer, Amssurity should provide or arrange:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Official payment acknowledgement or receipt<\/strong> showing the amount received.<\/li>\n\n\n\n<li><strong>Digital motor certificate<\/strong> showing the vehicle, insurer and period of insurance.<\/li>\n\n\n\n<li><strong>Policy schedule<\/strong> showing the policyholder, vehicle details, cover type, insured value and selected benefits.<\/li>\n\n\n\n<li><strong>Policy wording<\/strong> explaining the cover, exclusions, conditions and claims obligations.<\/li>\n\n\n\n<li><strong>Applicable endorsements<\/strong> recording any special terms or extensions.<\/li>\n\n\n\n<li><strong>Inspection or valuation instructions<\/strong> where these remain necessary.<\/li>\n\n\n\n<li><strong>Claims and service contacts<\/strong> for reporting an accident, theft or policy change.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Check that the insurer\u2019s name, vehicle registration, policy dates and cover type are consistent across the documents.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_long_does_Amssurity_take_to_issue_car_insurance\"><\/span><strong>How long does Amssurity take to issue car insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A quotation and an insurance certificate have different timelines.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An indicative quotation can be generated quickly once the vehicle details are entered. The Motor Quote Pack requires Amssurity to review and compare the suitable options.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For a straightforward case, Amssurity can generally arrange the digital certificate within <strong>20 minutes after payment and complete, accurate information have been received during working hours<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Issuance may take longer where:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>The vehicle requires inspection or valuation.<\/li>\n\n\n\n<li>The insurer needs additional underwriting approval.<\/li>\n\n\n\n<li>Ownership documents are incomplete.<\/li>\n\n\n\n<li>The declared use needs clarification.<\/li>\n\n\n\n<li>Payment has not been confirmed.<\/li>\n\n\n\n<li>The request is received outside working hours.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The timing should therefore begin when all issuance requirements have been satisfied.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_can_you_verify_a_digital_motor_certificate\"><\/span><strong>How can you verify a digital motor certificate?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Use the <a href=\"https:\/\/play.google.com\/store\/apps\/details\/AKI_VIC_Verification?id=com.aki.dmvicverification&amp;hl=en\" target=\"_blank\" rel=\"noopener\">AKI DMVIC certificate-verification App<\/a> to check the certificate number and vehicle details.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The verification result can show:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>The certificate number.<\/li>\n\n\n\n<li>Vehicle registration or chassis number.<\/li>\n\n\n\n<li>Insuring company.<\/li>\n\n\n\n<li>Policy start and end dates.<\/li>\n\n\n\n<li>Certificate status.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">You can also check whether an insurer or intermediary is licensed through the <a href=\"https:\/\/www.ira.go.ke\/entities-registry\/\" target=\"_blank\" rel=\"noopener\">Insurance Regulatory Authority\u2019s licensed-entities registry<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<!-- Amssurity: Scoped FAQ Accordion -->\n<section class=\"am-buy-online-faq\" aria-labelledby=\"am-buy-online-faq-title\">\n  <div class=\"am-buy-online-faq__inner\">\n    <p class=\"am-buy-online-faq__eyebrow\">QUICK ANSWERS<\/p>\n\n    <h2 id=\"am-buy-online-faq-title\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>\n      Frequently asked questions\n    <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n    <div class=\"am-buy-online-faq__items\">\n\n      <details class=\"am-buy-online-faq__item\">\n        <summary>\n          <span>Can I buy car insurance in Kenya online without visiting an office?<\/span>\n          <span class=\"am-buy-online-faq__icon\" aria-hidden=\"true\"><\/span>\n        <\/summary>\n        <div class=\"am-buy-online-faq__answer\">\n          <p>Yes. Quotation, document submission, payment and certificate issuance can normally be handled remotely. Comprehensive cover may require an inspection or approved valuation.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"am-buy-online-faq__item\">\n        <summary>\n          <span>Is Third Party Only enough?<\/span>\n          <span class=\"am-buy-online-faq__icon\" aria-hidden=\"true\"><\/span>\n        <\/summary>\n        <div class=\"am-buy-online-faq__answer\">\n          <p>TPO generally meets the minimum third-party insurance requirement, but it does not cover accidental damage, theft or fire affecting your vehicle. Consider whether you could repair or replace the vehicle yourself.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"am-buy-online-faq__item\">\n        <summary>\n          <span>Can comprehensive insurance be issued before inspection?<\/span>\n          <span class=\"am-buy-online-faq__icon\" aria-hidden=\"true\"><\/span>\n        <\/summary>\n        <div class=\"am-buy-online-faq__answer\">\n          <p>It depends on the insurer, vehicle and continuity of previous cover. Inspection or valuation may be required before issuance or within a stated period. Confirm the requirement and deadline in writing.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"am-buy-online-faq__item\">\n        <summary>\n          <span>Can I pay for car insurance in instalments?<\/span>\n          <span class=\"am-buy-online-faq__icon\" aria-hidden=\"true\"><\/span>\n        <\/summary>\n        <div class=\"am-buy-online-faq__answer\">\n          <p>Some insurers allow agreed instalments. Confirm the first payment, remaining due dates and consequences of missing an instalment before accepting the arrangement.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"am-buy-online-faq__item\">\n        <summary>\n          <span>How quickly will I receive my certificate?<\/span>\n          <span class=\"am-buy-online-faq__icon\" aria-hidden=\"true\"><\/span>\n        <\/summary>\n        <div class=\"am-buy-online-faq__answer\">\n          <p>A straightforward Amssurity case can generally be arranged within 20 minutes after complete details and confirmed payment are received during working hours. Inspection, valuation or additional approval may take longer.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"am-buy-online-faq__item\">\n        <summary>\n          <span>What should I do if the certificate contains an error?<\/span>\n          <span class=\"am-buy-online-faq__icon\" aria-hidden=\"true\"><\/span>\n        <\/summary>\n        <div class=\"am-buy-online-faq__answer\">\n          <p>Contact Amssurity immediately. Correct the registration number, insured name, vehicle-use category or policy dates before relying on the certificate.<\/p>\n        <\/div>\n      <\/details>\n\n    <\/div>\n  <\/div>\n<\/section>\n\n<style>\n  .am-buy-online-faq,\n  .am-buy-online-faq * {\n    box-sizing: border-box;\n  }\n\n  .am-buy-online-faq {\n    --am-faq-blue: #015587;\n    --am-faq-deep: #003a63;\n    --am-faq-gold: #efa31c;\n    --am-faq-ink: #0f172a;\n    --am-faq-muted: #475569;\n    --am-faq-border: #d9e2e8;\n    --am-faq-panel: #f7f7f4;\n\n    width: 100%;\n    margin: 32px 0;\n    color: var(--am-faq-ink);\n    font-family: inherit;\n  }\n\n  .am-buy-online-faq .am-buy-online-faq__inner {\n    max-width: 850px;\n    margin: 0 auto;\n    padding: 24px;\n    background: var(--am-faq-panel);\n    border: 1px solid var(--am-faq-border);\n    border-top: 4px solid var(--am-faq-gold);\n    border-radius: 14px;\n  }\n\n  .am-buy-online-faq .am-buy-online-faq__eyebrow {\n    margin: 0 0 5px;\n    color: var(--am-faq-blue);\n    font-size: 12px;\n    font-weight: 800;\n    letter-spacing: 0.12em;\n  }\n\n  .am-buy-online-faq h2 {\n    margin: 0 0 16px;\n    color: var(--am-faq-deep);\n    font-size: clamp(24px, 4vw, 32px);\n    line-height: 1.2;\n  }\n\n  .am-buy-online-faq .am-buy-online-faq__items {\n    overflow: hidden;\n    background: #fff;\n    border: 1px solid var(--am-faq-border);\n    border-radius: 10px;\n  }\n\n  .am-buy-online-faq .am-buy-online-faq__item {\n    margin: 0;\n    border-bottom: 1px solid var(--am-faq-border);\n  }\n\n  .am-buy-online-faq .am-buy-online-faq__item:last-child {\n    border-bottom: 0;\n  }\n\n  .am-buy-online-faq summary {\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 18px;\n    padding: 15px 17px;\n    color: var(--am-faq-deep);\n    font-size: 16px;\n    font-weight: 750;\n    line-height: 1.4;\n    cursor: pointer;\n    list-style: none;\n  }\n\n  .am-buy-online-faq summary::-webkit-details-marker {\n    display: none;\n  }\n\n  .am-buy-online-faq summary:hover {\n    background: #f8fafc;\n  }\n\n  .am-buy-online-faq summary:focus-visible {\n    outline: 3px solid rgba(239, 163, 28, 0.45);\n    outline-offset: -3px;\n  }\n\n  .am-buy-online-faq .am-buy-online-faq__icon {\n    position: relative;\n    flex: 0 0 20px;\n    width: 20px;\n    height: 20px;\n    border: 1px solid var(--am-faq-border);\n    border-radius: 50%;\n  }\n\n  .am-buy-online-faq .am-buy-online-faq__icon::before,\n  .am-buy-online-faq .am-buy-online-faq__icon::after {\n    position: absolute;\n    top: 50%;\n    left: 50%;\n    width: 9px;\n    height: 2px;\n    background: var(--am-faq-blue);\n    border-radius: 2px;\n    content: \"\";\n    transform: translate(-50%, -50%);\n  }\n\n  .am-buy-online-faq .am-buy-online-faq__icon::after {\n    transform: translate(-50%, -50%) rotate(90deg);\n    transition: transform 0.2s ease;\n  }\n\n  .am-buy-online-faq details[open] .am-buy-online-faq__icon::after {\n    transform: translate(-50%, -50%) rotate(0deg);\n  }\n\n  .am-buy-online-faq details[open] summary {\n    background: #f8fafc;\n  }\n\n  .am-buy-online-faq .am-buy-online-faq__answer {\n    padding: 0 17px 16px;\n  }\n\n  .am-buy-online-faq .am-buy-online-faq__answer p {\n    margin: 0;\n    color: var(--am-faq-muted);\n    font-size: 15px;\n    line-height: 1.7;\n  }\n\n  @media (max-width: 600px) {\n    .am-buy-online-faq {\n      margin: 24px 0;\n    }\n\n    .am-buy-online-faq .am-buy-online-faq__inner {\n      padding: 18px 14px;\n      border-radius: 10px;\n    }\n\n    .am-buy-online-faq summary {\n      padding: 14px;\n      font-size: 15px;\n    }\n\n    .am-buy-online-faq .am-buy-online-faq__answer {\n      padding: 0 14px 14px;\n    }\n  }\n\n  @media (prefers-reduced-motion: reduce) {\n    .am-buy-online-faq .am-buy-online-faq__icon::after {\n      transition: none;\n    }\n  }\n<\/style>\n\n<!-- FAQPage structured data: wording matches the visible accordion -->\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I buy car insurance in Kenya online without visiting an office?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes. Quotation, document submission, payment and certificate issuance can normally be handled remotely. Comprehensive cover may require an inspection or approved valuation.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Is Third Party Only enough?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"TPO generally meets the minimum third-party insurance requirement, but it does not cover accidental damage, theft or fire affecting your vehicle. Consider whether you could repair or replace the vehicle yourself.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can comprehensive insurance be issued before inspection?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"It depends on the insurer, vehicle and continuity of previous cover. Inspection or valuation may be required before issuance or within a stated period. Confirm the requirement and deadline in writing.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I pay for car insurance in instalments?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Some insurers allow agreed instalments. Confirm the first payment, remaining due dates and consequences of missing an instalment before accepting the arrangement.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How quickly will I receive my certificate?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A straightforward Amssurity case can generally be arranged within 20 minutes after complete details and confirmed payment are received during working hours. Inspection, valuation or additional approval may take longer.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What should I do if the certificate contains an error?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Contact Amssurity immediately. Correct the registration number, insured name, vehicle-use category or policy dates before relying on the certificate.\"\n      }\n    }\n  ]\n}\n<\/script>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<section class=\"am-motor-final\" aria-label=\"Request a motor insurance quote\">\n  <style>\n    .am-motor-final{\n      --amf-blue:#015587;\n      --amf-deep:#003A63;\n      --amf-gold:#EFA31C;\n      --amf-yellow:#FBC80B;\n      --amf-ink:#0F172A;\n      --amf-muted:#475569;\n      --amf-border:rgba(1,85,135,.18);\n      font-family:Inter,system-ui,-apple-system,\"Segoe UI\",Roboto,Arial,sans-serif;\n      margin:22px 0;\n    }\n\n    .am-motor-final,\n    .am-motor-final *{\n      box-sizing:border-box;\n    }\n\n    .am-motor-final__card{\n      position:relative;\n      overflow:hidden;\n      border:1px solid var(--amf-border);\n      border-radius:16px;\n      background:\n        radial-gradient(550px 170px at 100% 0%,rgba(239,163,28,.14),transparent 62%),\n        linear-gradient(135deg,#F8F9FA,#ffffff);\n      box-shadow:0 10px 28px rgba(2,72,110,.09);\n    }\n\n    .am-motor-final__accent{\n      height:4px;\n      background:linear-gradient(90deg,var(--amf-gold),var(--amf-blue),var(--amf-deep));\n    }\n\n    .am-motor-final__inner{\n      display:grid;\n      grid-template-columns:minmax(0,1fr) auto;\n      align-items:center;\n      gap:18px;\n      padding:16px 18px 13px;\n    }\n\n    .am-motor-final__eyebrow{\n      margin:0 0 4px;\n      color:var(--amf-blue);\n      font-size:12px;\n      line-height:1.3;\n      font-weight:850;\n      letter-spacing:.06em;\n      text-transform:uppercase;\n    }\n\n    .am-motor-final__title{\n      margin:0 0 5px;\n      color:var(--amf-ink);\n      font-size:clamp(19px,2.2vw,24px);\n      line-height:1.2;\n      font-weight:900;\n      letter-spacing:-.02em;\n    }\n\n    .am-motor-final__text{\n      max-width:700px;\n      margin:0;\n      color:var(--amf-muted);\n      font-size:14.5px;\n      line-height:1.55;\n    }\n\n    .am-motor-final__actions{\n      display:flex;\n      align-items:center;\n      justify-content:flex-end;\n      gap:9px;\n      flex-wrap:wrap;\n    }\n\n    .am-motor-final__btn{\n      display:inline-flex;\n      min-height:42px;\n      align-items:center;\n      justify-content:center;\n      padding:10px 14px;\n      border:1px solid transparent;\n      border-radius:11px;\n      font-size:14px;\n      line-height:1.2;\n      font-weight:850;\n      text-align:center;\n      text-decoration:none;\n      white-space:nowrap;\n      transition:transform .12s ease,box-shadow .18s ease,background .18s ease;\n    }\n\n    .am-motor-final__btn:hover{\n      transform:translateY(-1px);\n    }\n\n    .am-motor-final__btn:focus-visible{\n      outline:3px solid rgba(239,163,28,.4);\n      outline-offset:2px;\n    }\n\n    .am-motor-final__btn--primary{\n      color:#fff;\n      background:linear-gradient(135deg,var(--amf-blue),var(--amf-deep));\n      box-shadow:0 7px 17px rgba(1,85,135,.2);\n    }\n\n    .am-motor-final__btn--secondary{\n      color:var(--amf-ink);\n      border-color:rgba(239,163,28,.35);\n      background:linear-gradient(135deg,var(--amf-gold),var(--amf-yellow));\n      box-shadow:0 7px 17px rgba(239,163,28,.14);\n    }\n\n    .am-motor-final__trust{\n      display:flex;\n      gap:7px 15px;\n      flex-wrap:wrap;\n      padding:9px 18px 11px;\n      border-top:1px solid rgba(1,85,135,.10);\n      color:#64748B;\n      font-size:12.5px;\n      line-height:1.4;\n    }\n\n    .am-motor-final__trust span::before{\n      content:\"\u2713\";\n      margin-right:5px;\n      color:var(--amf-blue);\n      font-weight:900;\n    }\n\n    @media (max-width:760px){\n      .am-motor-final__inner{\n        grid-template-columns:1fr;\n        gap:12px;\n        padding:15px 15px 12px;\n      }\n\n      .am-motor-final__actions{\n        justify-content:flex-start;\n      }\n\n      .am-motor-final__btn{\n        flex:1 1 170px;\n      }\n\n      .am-motor-final__trust{\n        padding:9px 15px 11px;\n      }\n    }\n\n    @media (max-width:480px){\n      .am-motor-final__actions{\n        display:grid;\n        grid-template-columns:1fr;\n      }\n\n      .am-motor-final__btn{\n        width:100%;\n        white-space:normal;\n      }\n    }\n\n    @media (prefers-reduced-motion:reduce){\n      .am-motor-final__btn{\n        transition:none;\n      }\n    }\n  <\/style>\n\n  <div class=\"am-motor-final__card\">\n    <div class=\"am-motor-final__accent\" aria-hidden=\"true\"><\/div>\n\n    <div class=\"am-motor-final__inner\">\n      <div>\n        <p class=\"am-motor-final__eyebrow\">\n          Amssurity Insurance Agency \u00b7 Motor Quote Pack\n        <\/p>\n\n        <p class=\"am-motor-final__title\" role=\"heading\" aria-level=\"2\">\n          Ready to buy car insurance in Kenya online?\n        <\/p>\n\n        <p class=\"am-motor-final__text\">\n          Send your vehicle details for three suitable options showing the premium, excess, included benefits and issuance requirements.\n        <\/p>\n      <\/div>\n\n      <div class=\"am-motor-final__actions\">\n        <a class=\"am-motor-final__btn am-motor-final__btn--primary\" href=\"https:\/\/wa.me\/254762065500?text=Hi%20Amssurity%2C%20please%20prepare%20my%20Motor%20Quote%20Pack.%0A%0AVehicle%20registration%3A%20__%0AMake%20and%20model%3A%20__%0AYear%3A%20__%0AUse%3A%20__%0AEstimated%20value%3A%20__%0ARenewal%20date%3A%20__%0APreferred%20cover%3A%20__\" target=\"_blank\" rel=\"noopener\">\n          WhatsApp Us \u2192\n        <\/a>\n\n        <a class=\"am-motor-final__btn am-motor-final__btn--secondary\" href=\"https:\/\/www.amssurity.co.ke\/car-insurance\/quote\" target=\"_blank\" rel=\"noopener\">\n          Compare instantly online \u2192\n        <\/a>\n      <\/div>\n    <\/div>\n\n    <div class=\"am-motor-final__trust\" aria-label=\"Amssurity motor insurance service\">\n      <span>Three suitable options<\/span>\n      <span>Excess clearly shown<\/span>\n      <span>Claims support<\/span>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\">Buy car insurance in Kenya online today with Amssurity Insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Reviewed:<\/strong> 15 July 2026. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>To buy car insurance in Kenya online can take minutes. A wrong use category, understated vehicle value or missing benefit [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":4013,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-3160","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance-in-kenya"],"_links":{"self":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/3160","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\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/comments?post=3160"}],"version-history":[{"count":23,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/3160\/revisions"}],"predecessor-version":[{"id":4012,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/3160\/revisions\/4012"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/media\/4013"}],"wp:attachment":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/media?parent=3160"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/categories?post=3160"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/tags?post=3160"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}