Motor vehicle insurance is essential for every car owner in Kenya. It not only protects you from financial loss but also ensures compliance with legal requirements. There are different types of motor vehicle insurance policies available, each offering varying levels of protection. Understanding these options helps you choose the best coverage for your needs.

1. Third-Party Insurance

This is the most basic and legally required insurance for all vehicle owners in Kenya. It covers damages or injuries caused to other people, their vehicles, or property but does not compensate for damage to your own car. Third-party insurance is the most affordable option and is ideal for drivers looking for minimum legal coverage.

2. Third-Party, Fire, and Theft Insurance

This policy offers all the benefits of third-party insurance while also covering your vehicle against theft and fire damage. If your car is stolen or damaged by fire, you will be compensated. This type of insurance provides better protection than basic third-party coverage at a slightly higher premium.

3. Comprehensive Insurance

Comprehensive insurance is the highest level of protection available. It covers third-party liabilities as well as damage to your own vehicle caused by accidents, fire, theft, or vandalism. Additionally, it may include benefits such as medical expenses, towing services, and personal accident cover. Although it costs more than other policies, it provides full peace of mind for car owners.

4. Personal Accident Cover

This policy provides financial compensation in case of injuries sustained in a car accident. It may cover medical bills, disability, or even loss of life. Some motor vehicle insurance policies include this as an add-on, while others require a separate cover.

Choosing the right insurance depends on your needs, budget, and the level of protection you want. At Eunaz Insurance, we help you find the best motor vehicle insurance policy, ensuring you drive with confidence and security. Contact us today to get covered!