Motor Insurance

Private Motor Vehicle
Comprehensive Cover

Protect your personal vehicle with comprehensive insurance from Kenya's leading insurers. Get instant quotes, compare premiums, and download your policy — all online.

Get a Private Vehicle Quote
Comprehensive Cover

What Your Private Motor Insurance Covers

Our comprehensive private motor vehicle policy includes the following benefits and limits.

Windscreen / Window Glass

Cover for windscreen and window glass damage up to Kshs. 75,000 (Sanlam & GA) or Kshs. 50,000 (BRITAM).

Entertainment Unit

Cover for your car's entertainment system up to Kshs. 75,000 (Sanlam & GA) or Kshs. 50,000 (BRITAM).

Towing & Recovery

Towing and recovery expenses after an accident covered up to Kshs. 75,000 (Sanlam & GA) or Kshs. 50,000 (BRITAM).

Authorized Repair

Repair authority cover up to Kshs. 100,000 (Sanlam & GA) or Kshs. 50,000 (BRITAM).

Emergency Medical Expenses

Emergency medical cover for occupants (Kshs. 50,000) and third party (Kshs. 50,000 for Sanlam & BRITAM).

Vehicle Valuation

Free vehicle valuation at renewal and inception across all insurers.

Key Rates

Premium Rates at a Glance

Understanding the key rates that determine your comprehensive motor vehicle premium.

Premium Rate
4%
of vehicle value for most insurers (Sanlam: 4% up to 2.5M, 3% above; BRITAM: 3.5% incl. PVT)
PVT (Private Vehicle Tax)
0.25%
Min Kshs. 2,500-3,000 per unit depending on insurer. Included in BRITAM's rate.
Excess Protector
0.25%
Reinstatement at 0.25% of sum insured. Min Kshs. 2,500-5,000 depending on insurer.
Min Sum Insured
Kshs. 500,000
Minimum vehicle value for comprehensive cover across all partner insurers.
Our Insurers

Compare Private Motor Insurers

Choose from Kenya's leading insurance companies. Compare their rates and benefits side by side.

Sanlam Allianz

4%
Premium Rate
  • Comprehensive cover
  • Windscreen & entertainment cover
  • Towing & recovery expenses
  • Third party liability
  • Excess protector available
Get Quote →

GA Insurance Ltd

4%
Premium Rate
  • Comprehensive cover
  • Windscreen & entertainment cover
  • Towing & recovery expenses
  • Third party liability
  • Excess protector available
Get Quote →

BRITAM

3.5%
Premium Rate
  • Comprehensive cover
  • Windscreen & entertainment cover
  • Towing & recovery expenses
  • Third party liability
  • Excess protector available
Get Quote →
How It Works

Get Your Private Motor Quote in 5 Simple Steps

Follow these steps to receive your comprehensive motor vehicle quotation.

1

Enter Personal Details

Input your name, contact information and ID/KRA PIN to get started.

2

Add Vehicle Details

Provide your vehicle's make, model, year of manufacture, registration and value.

3

Generate Quotation

Our system generates a comprehensive cover quotation instantly.

4

Compare Insurers

View and compare premiums from all leading underwriters side by side.

5

Download & Proceed

Download your preferred quotation and proceed to request for a sticker.

Ready to Protect Your Vehicle?

Get your instant comprehensive motor vehicle insurance quote today. It takes just a few minutes.

Get Your Private Vehicle Quote
Contact Us

Have Questions About Private Motor Cover?

Get in touch with our team for personalised assistance with your motor insurance needs.

Get In Touch

Our team is ready to help you with any questions about private motor vehicle comprehensive insurance. Reach out via phone, email, or visit our office.

+254 (0) 20 123 4567
info@micglobalrisks.com
6th Floor, 9 West, Ring Road Parklands, Nairobi