Compare Car Insurance in Kenya

Same-day cover note. Claims concierge on WhatsApp. Clear options for Comprehensive, TPFT or Third-Party Only.

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Same-Day Cover Note
Claims Concierge
Road Rescue & Towing
Purshottam Place, Westlands

Which cover is right for you?

Comprehensive

Full protection for your car and third parties, with options for windscreen, audio, PVT/RSCC, loss of use, and approved garage repairs.

Third-Party Fire & Theft (TPFT)

Covers liability to others, plus fire and theft for your car. Add windscreen and rescue if needed, a smart middle ground for many drivers.

Third-Party Only (TPO)

Meets legal liability requirements at the lowest cost. Ideal for older vehicles; add rescue for peace of mind.

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What each cover includes

Feature Comprehensive TPFT TPO
Own damage to your car Yes — —
Third-party liability Yes Yes Yes
Fire & theft of a vehicle Yes Yes —
Windscreen cover Option Option —
Radio/Audio cover Option Option —
PVT/RSCC (political, riot) Option Option —
Personal Accident (occupants) Option Option —
Geographical area (KE/EAC) Kenya / EAC (varies) Kenya / EAC (varies) Kenya

Common add-ons

Add-on What it does Available with
Excess protector Covers part/all of the payable excess after a claim Comp / TPFT
Loss of use (courtesy car) Pays for transport while your car is in repair Comp
AA/Road rescue & towing Emergency help after a breakdown or accident All covers (option)
Tracking & anti-theft Improves recovery; may be required for high-value cars Comp / TPFT

How motor claims work (simple & fast)

1) Safety first. Move to safety; call rescue if needed. Take photos and brief notes.
2) Notify us via WhatsApp or call with the details; we will open the claim within 2 business hours.
3) Assessment Police abstract (if required), assessor appointment, and repair authority from insurer.
4) Repairs & follow-up Repairs at the approved garage; we chase updates until completion.

Why Amssurity

Same-day cover notes, WhatsApp claims concierge, transparent comparisons and add-on guidance.

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Car Insurance FAQs

What is the difference between Comprehensive, TPFT and TPO?

Comprehensive covers your car and third parties; TPFT covers third parties plus fire and theft; TPO covers third-party liability only.

What documents do I need for a quote?

ID/Pin, logbook details or copy, vehicle value/age, usage (private/commercial), previous insurer if applicable, and preferred garage/region.

What is an excess?

The fixed amount you contribute when a claim is paid. An excess protector can reduce or remove this, depending on plan terms.

Can I drive to Uganda/Tanzania?

Many policies allow EAC travel with prior notice and an endorsement/Comesa card. We’ll advise and arrange before your trip.

How fast can I get covered?

Often the same day once we have your documents and payment confirmation. We’ll email your cover note and share on WhatsApp.

Ready to insure your car?

Choose the right cover type and add-ons with a plain English brief from our team.

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Timelines depend on complete documentation and insurer responsiveness.