Commercial and Private vehicle insurance
Motor insurance in Kenya is a legal requirement for all vehicle owners, whether you’re driving a private car, a commercial vehicle, or a motorcycle. At Royal Prestige Insurance Agencies LTD, we provide affordable and reliable motor insurance policies designed to protect you, your vehicle, and third parties in case of accidents, theft, fire, or damage
Whether you’re a first-time driver or a fleet manager, our motor insurance solutions give you peace of mind every time you hit the road.
When signing up for motor insurance, you might be asked a few key questions to help us recommend the best cover for your needs. These may include:
What is the year of manufacture of your vehicle?
- Who owns the vehicle — individual, company, or jointly owned?
How is the car primarily used — personal, commercial, or ride-hailing?
- Documents required ( ID, KRA PIN, LOGBOOK COPY)
Want a quick estimate? Get a car insurance quote in Kenya within seconds using our easy-to-use online car insurance calculator.
Available Vehicle Insurance policies in Kenya
- Comprehensive insurance covers
- Third party fire and theft motor insurance
- Third party only insurance
Types of Car Insurance covers in Kenya
Third-party car insurance is the minimum legal requirement in Kenya for all vehicle owners. It is also the most affordable motor insurance option available. This cover protects third parties — such as other drivers, passengers, or pedestrians — in the event of an accident.
However, it does not cover damage to your own vehicle, meaning repair or replacement costs will be your responsibility.
This policy offers more protection than TPO and is a cost-effective alternative to comprehensive insurance. It covers:
Third-party liabilities
Loss or damage due to fire
Theft of the vehicle
It provides peace of mind without the full cost of comprehensive coverage, making it ideal for car owners who want extra security at a reasonable price.
Comprehensive car insurance offers the highest level of protection. It includes everything in both TPO and TPFT, plus coverage for:
Damage to your own vehicle from accidents
Vandalism and natural disasters
Windscreen repair, towing services, and more
At Royal Prestige Insurance Agencies LTD, we work with leading car insurance companies in Kenya to give you access to customizable, affordable, and reliable motor insurance plans.
Speak to an agent
Call our experts
0722 807 274
Write email
info@royalprestige.co.ke
Visit office
Morningside Office Park, Kilimani Area.
