Overview
Motor insurance is one of the most important forms of cover you can have as a vehicle owner in Kenya. Whether you drive a personal car, a family saloon, an SUV, a motorbike or a commercial vehicle, Hamarkoh Insurance Agency provides tailored motor insurance solutions that match your needs and budget.
We offer two primary types of motor cover: Comprehensive Motor Insurance — which provides the widest protection including your own vehicle — and Third Party Motor Insurance — the minimum statutory requirement under Kenyan law.
Who Needs Motor Insurance?
- Every vehicle owner driving on Kenyan public roads (legally mandatory)
- Fleet owners and commercial vehicle operators
- Boda boda and taxi operators
- Corporate organizations with company vehicles
- Anyone seeking financial protection from road accident liability
Benefits
- Financial protection against costly accident repairs
- Coverage for theft, fire and malicious damage
- Legal compliance with Kenya's Traffic Act requirements
- Third-party bodily injury and property damage protection
- Optional add-ons including windscreen, excess protector, courtesy car
- Emergency medical expenses for accident victims
- Peace of mind while driving anywhere in Kenya
Coverage Details
| Coverage | Third Party | Comprehensive |
|---|
| Third Party Bodily Injury | | |
| Third Party Property Damage | | |
| Own Vehicle Accident Damage | | |
| Fire & Theft | | |
| Windscreen Cover (Add-on) | | |
| Excess Protector (Add-on) | | |
| Emergency Medical Expenses | | |
| Courtesy Car (Add-on) | | |
What Is Not Covered (Exclusions)
- Driving under the influence of alcohol or drugs
- Driving without a valid licence
- Using the vehicle outside its licensed purpose
- Wear and tear or mechanical breakdown
- Damage caused by war, terrorism or nuclear risks
- Consequential losses not directly resulting from a covered event
Claims Process
In the event of an accident or theft, follow these steps:
- Notify Hamarkoh immediately after the incident via phone or WhatsApp.
- Do not admit liability or make any payments at the scene.
- Take photos of the scene, damage and any third parties involved.
- Obtain police abstract/report (required for most claims).
- Complete and submit the claims form with supporting documents.
- Our team will liaise with the underwriter and keep you updated.
Frequently Asked Questions
Yes. The Traffic Act requires every motor vehicle on Kenyan public roads to have at least third-party insurance. Driving without valid motor insurance is a criminal offence.
Motor premiums are calculated based on the vehicle's value (sum insured), make, model, year of manufacture, engine capacity, and intended use. Our advisors will provide a competitive quote tailored to your vehicle.
Yes. Windscreen cover is available as an optional add-on to comprehensive motor insurance. It covers repair or replacement of your windscreen without affecting your no-claims discount.
An excess is the amount you contribute toward a claim before the insurer pays the remainder. An Excess Protector add-on eliminates this contribution for own-damage claims, giving you full recovery.